Insurance after a ban?

[nubbin]

No, I haven't been naughty (well not caught yet! :D), I'm just curious - what effect does a ban have on insurance costs? I was talking to a taxi driver last year, who was banned for speeding and he was paying £250 a months :yikes: for insurance.

Anyone prepared to share the cost of their shame? :hehe:

[JustTheTip]

no.

[xxplod]

Could be misleading. Taxi drivers pay a lot anyway, due to the public liability element of their cover.

It all depends what the ban was for. A drink drive would be worse than a simple Short Period Disqualification for speeding.

[Hoover33]

Lets see

after drink driving any thing up 10x...

I was getting quotes of £2500 on a Mazda 6... which if I didn't have a DnD would have been circa £300

however my Griff is insured for £520 and is only loaded by approx £150......

Now make of that what you want

[wolf1]

Had a 30 day speeding ban but no points. Might have well had 6 points on me licence with the quotes I was getting. Thank god it's spent now.

[JustTheTip]

Okay then, I'll share. I got a DR10 a couple of years ago (that's drink driving for those as pure as the driven). I had my ban reduced by doing a course that was arranged through the court (cost around £150) and found that my insurance was actually less when I got my licence back than before I was banned.

[993SC]

[nubbin]

Blimey! it's not like PHers to be so shy!

So, it appears that it is cheaper to:-

1) Drive without insurance and take the fine
2) DnD, take the ban and carry on with clean licence and little change to insurance costs.
3) If speeding, go as fast as possible to ensure a ban as it won't be too bad apart from the initial fine.

What sort of mad world do we live in?

[mcflurry]

A friend of mine has been done for drink driving 3 times
The last time he lost his licence for 10 years.
He is now been clear of a drink for 5 years, and got his licence back a year ago.

As the offence was not committed in the last 5 years, there is absolutely no record on his insurance policy, they simply treated it as though he had 0 years NCD (he did disclose it to them)

Cost to insure a VW golf - £400.

[medicineman]

Friend of mine (no really) got a 2 week ban for 110 on the M18 at 2am. Various companies won't touch him because of the ban. He is now with Liverpool Victoria who don't care about less than 9 points or single bans due to speeding.

[mybrainhurts]

Clearly, insurance companies are opportunists....

But some are dimmer than others.

[mcflurry]

a lot of insurers dont care about fixed penalty speeding as "everyone has points" (including the underwriter - lol)