DR10 and Modified Car Insurance

[ID10T]

Hi All,

I managed to get myself a 9 month ban from driving.

Cut a long story short, I'd been out with a few work colleagues back in December 2022, had a couple drinks. Decided against waiting even longer for a taxi after getting off an hour long train journey (at this point I think I was a good 15 mins waiting) figured, I don't live far, I am only around 5 miles and it must of been in the minus, temperature wise.

I ended up taking a couple back roads, hit some sheet ice and whacked a couple cars... What makes things worse, I am normally a completely sober person, I rarely touch alcohol and sadly just made a bad judgement call.

Anyway, my ban is ending in a couple months and I am dreading the insurance... Natrually. Even more so as I have a modified car (supercharged Fiesta ST150) and enjoy the odd track day and I know its probably going to be relatively expensive but I am hoping someone has been through a similar experience in the last few years who could give me a rough estimate. Luckily, I live in a good area, small village where crime is non existant so, always been treated to cheaper insurance.

My biggest concern though, is my company car allowance, I will get that back once my license comes back but given how much more expensive it was to add business cover to my daily prior to this DR10 (I have 2 cars) it leaves me a lot of thinking. Now, I know I'm probably best waiting and finding out a little closer to the day I get my license back but any insights or experiences would be greatly appreciated, just so I know what I am roughly looking at.

Cheers

[swampy442]

Age and experience will be a big factor in pricing, how old are you? Get some quotes over the phone and see what they say.

FWIW my brother (albiet 10+ years ago) got a DR10 and a 6 month ban, I dont recall his insurance being radically different, but he was 35 at the time.

[ID10T]

Hiya!

Thanks for the sharp reply.

I will be 31 when my license is returned.

Clean driving license at the time, around 10 - 12 years experience and I am lucky enough to retain a years no claims.

[R6tty]

There's a lot of hate here for Adrian Flux, but there have been several times when they have been the only people who would insure me AT ALL!
You should retain any NCB.

[UTH]

I also made a very bad decision back in 2010.

Straight to the point, after my ban I was paying from memory over £2,200 third party only on an Evo 6, I was about 26 I think.

[normalbloke]

R6tty said:

There's a lot of hate here for Adrian Flux, but there have been several times when they have been the only people who would insure me AT ALL!
You should retain any NCB.

Retain the NCB? Was it protected? After all, he’s already said he hit two other vehicles when he crashed. Surely they would have claimed.

[vaud]

Impossible to give an estimate, but try brokers rather than go-compare, etc

Google "dr10 specialist insurer"

[Fastdruid]

ID10T said:

My biggest concern though, is my company car allowance, I will get that back once my license comes back but given how much more expensive it was to add business cover to my daily prior to this DR10 (I have 2 cars) it leaves me a lot of thinking.

The only time adding class 1 business use has changed my premium was when adding it mid-term when the only cost was the admin fee. When adding it at the start it has made zero difference!

I guess it may be different for a modified Fiesta though!

[QBee]

You can only tell when you get the quotes. I suspect it will be trousers down time.

You might be better driving your other car in the mean time, and keeping the supercharged one for track days.
All you would need to do is make sure your other car can tow the weight of car plus trailer, and get a trailer and a tow bar.

I will be interested in how you get on - a young friend of mine (19) made a similar mistake. He didn't crash, but he did get stopped by the police at 4am on a sunday and blew 41. Any other time of day he might have got away with it, but driving a red Astra turbo at 4am on a Sunday was asking for trouble - an almost automatic stop and check for the lads in blue.

He has now sold the car, but when his 14 month ban is up and he presumably has to retake his test, his insurance will be "interesting". He has a patient, beautiful and kind girlfriend who is ferrying him around in her 1 litre Polo for now.

[Welcome.]

Drink drivers deserve to have at least a five year ban, plus cancellation of the driving licence, forcing a more stringent theory and practical retest and minimum insurance cost of £5k/year for the first 5 years after passing the retest.

[UTH]

Surprised it took 2.5 hours for a post like that to come along.

[AdeTuono]

Welcome. said:

Drink drivers deserve to have at least a five year ban, plus cancellation of the driving licence, forcing a more stringent theory and practical retest and minimum insurance cost of £5k/year for the first 5 years after passing the retest.

You missed hang, draw & quartering

[MrBen986]

Welcome. said:

Drink drivers deserve to have at least a five year ban, plus cancellation of the driving licence, forcing a more stringent theory and practical retest and minimum insurance cost of £5k/year for the first 5 years after passing the retest.

This really isn't the thread for preaching - the guy clearly knows he's done something wrong, look at his username!

OP, suspect your quotes will be pretty painful, is it worth considering changing to a lowish group, unmodified car for a year or two?

[UTH]

MrBen986 said:

Welcome. said:

Drink drivers deserve to have at least a five year ban, plus cancellation of the driving licence, forcing a more stringent theory and practical retest and minimum insurance cost of £5k/year for the first 5 years after passing the retest.

This really isn't the thread for preaching - the guy clearly knows he's done something wrong, look at his username!

Exactly, but it was bound to happen.

[Welcome.]

AdeTuono said:

Welcome. said:

Drink drivers deserve to have at least a five year ban, plus cancellation of the driving licence, forcing a more stringent theory and practical retest and minimum insurance cost of £5k/year for the first 5 years after passing the retest.

You missed hang, draw & quartering

Good point!

That can be added later.

[richhead]

Welcome. said:

Drink drivers deserve to have at least a five year ban, plus cancellation of the driving licence, forcing a more stringent theory and practical retest and minimum insurance cost of £5k/year for the first 5 years after passing the retest.

Well done, im sure you have never done anything stupid, ever.

[5lab]

can you get a company car instead of an allowance? then you'd be covered by the catch-all company insurance at no additional cost to yourself

[Welcome.]

richhead said:

Welcome. said:

Drink drivers deserve to have at least a five year ban, plus cancellation of the driving licence, forcing a more stringent theory and practical retest and minimum insurance cost of £5k/year for the first 5 years after passing the retest.

Well done, im sure you have never done anything stupid, ever.

Plenty, however, i have never got behind the wheel even after one drink. Ever.

These laws have been around for many years, so its not like the consequences are a surprise to anyone.

[Jamescrs]

I think as someone else has said above you would be best to get a cheap as possible to insure tow car and look at towing your Fiesta to track days.

Google DR specialist insurers but I imagine its going to be painful

[martinbiz]

ID10T said:

Hi All,

I managed to get myself a 9 month ban from driving.

Cut a long story short, I'd been out with a few work colleagues back in December 2022, had a couple drinks. Decided against waiting even longer for a taxi after getting off an hour long train journey (at this point I think I was a good 15 mins waiting) figured, I don't live far, I am only around 5 miles and it must of been in the minus, temperature wise.

I ended up taking a couple back roads, hit some sheet ice and whacked a couple cars... What makes things worse, I am normally a completely sober person, I rarely touch alcohol and sadly just made a bad judgement call.

Anyway, my ban is ending in a couple months and I am dreading the insurance... Natrually. Even more so as I have a modified car (supercharged Fiesta ST150) and enjoy the odd track day and I know its probably going to be relatively expensive but I am hoping someone has been through a similar experience in the last few years who could give me a rough estimate. Luckily, I live in a good area, small village where crime is non existant so, always been treated to cheaper insurance.

My biggest concern though, is my company car allowance, I will get that back once my license comes back but given how much more expensive it was to add business cover to my daily prior to this DR10 (I have 2 cars) it leaves me a lot of thinking. Now, I know I'm probably best waiting and finding out a little closer to the day I get my license back but any insights or experiences would be greatly appreciated, just so I know what I am roughly looking at.

Cheers

Did you do a course to get a reduction from 12 months?