Banned Driver Insurance

[m3sye]

My friend got banned and gets his licence back in Feb can anyone recommend anyone ??

Was £1750.00 for the year now £5700.00 after 6 month ban.

[Soovy]

m3sye said:

My friend got banned and gets his licence back in Feb can anyone recommend anyone ??

Was £1750.00 for the year now £5700.00 after 6 month ban.

The local bus company?

[carreauchompeur]

Ouch. Sounds like a bit of an insurance risk even before the ban, or was it a tasty motor?

[m3sye]

He has a 60 plate 730d M sport - is 30 yrs of age

Got banned for no insurance - the plank thought it was on D/D when it wasn't

[ZOLLAR]

m3sye said:

He has a 60 plate 730d M sport - is 30 yrs of age

Got banned for no insurance - the plank thought it was on D/D when it wasn't

I doubt any mainstream insurer will touch him, probably best to speak to some brokers and they'll source some that will offer quotes.
But on a 60 plate 730 he's likely to get bummed on the premium, does he have any other points?.

[DanielJames]

Adrian Flux etc would be my first idea

[SWoll]

anonymous said:

[redacted]

Highly unlikely. A ban for driving without insurance would be discretionary so if this is the case the I would have assumed other circumstances as well TBH.

[madmover]

Assuming that he has points or other offenses then id be trying independent brokers. I think he's in for alot of shopping around, Personally if i was him i would change my car for a year or something and get a years driving under my belt as i think by doing that the insurance premium is likey to rall dramatically or at least alot more mainstream insurers prepared to quote.

[OperationAlfa]

No insurance is only £200 fine and 6 points... so......

[DanielC4GP]

anonymous said:

[redacted]

What I thought.

[Soovy]

OperationAlfa said:

No insurance is only £200 fine and 6 points... so......

So he's not telling the full story.

[ZOLLAR]

Soovy said:

OperationAlfa said:

No insurance is only £200 fine and 6 points... so......

So he's not telling the full story.

Indeed, that's why I asked if he had any other points

[m3sye]

Sorry - he already had 9 points

[StottyZr]

Soovy said:

OperationAlfa said:

No insurance is only £200 fine and 6 points... so......

So he's not telling the full story.

First thing that popped into my mind. A friend of mine got 3 points and a £60 fine for no insurance :S Definatly not 6month ban territory.

[carreauchompeur]

m3sye said:

Sorry - he already had 9 points

Ah yes. 9 points then a further 6 for no insurance would tend to suggest bargepole territory to a responsible insurer!

[Soovy]

carreauchompeur said:

m3sye said:

Sorry - he already had 9 points

Ah yes. 9 points then a further 6 for no insurance would tend to suggest bargepole territory to a responsible insurer!

Yeah, he's a liability.

[ZOLLAR]

m3sye said:

Sorry - he already had 9 points

That'll be the reason why, liability

[StottyZr]

Why didn't he sell the car 6months ago when he got banned? The first thing I would have done would be to run a few quotes to see how my premium would change.

Then from their weigh up if keeping the car makes sense. On a 60 plate 730d he will be taking one hell of a hit on depreciation.

A 1998 Passat diesel might provide him with a reasonable quote...

[m3sye]

Trying to find someone who has been in similar situation and who they ended up going to....

[m3sye]

StottyZr said:

Why didn't he sell the car 6months ago when he got banned? The first thing I would have done would be to run a few quotes to see how my premium would change.

Then from their weigh up if keeping the car makes sense. On a 60 plate 730d he will be taking one hell of a hit on depreciation.

A 1998 Passat diesel might provide him with a reasonable quote...

Lease for 2yr - a friend paid him 75% of the rent to use it for so many months.