INSURANCE FOR DRIVER WITH 9 POINTS
Discussion
does anyone know of a good place to get a quote for insurance , i've just picked up 6 points from a speeding conviction and Admiral say they wont touch anything over 6 points with a bargepole ......also would it make a difference if i got the car insured in my wife's name with me as a named driver.
Get the wife to insure the tiv in her name.
Buy a road legal Mini or similar as cheap as possible and just park it out the back of your house.
Insure the Mini, fully comp all the bells and whistles etc making sure you are third party any car.
Drive similing!
Not sure what would happen in the event of a smack, but its a way of driving it legally!
Matt.
Buy a road legal Mini or similar as cheap as possible and just park it out the back of your house.
Insure the Mini, fully comp all the bells and whistles etc making sure you are third party any car.
Drive similing!
Not sure what would happen in the event of a smack, but its a way of driving it legally!
Matt.
quote:
Get the wife to insure the tiv in her name.
Buy a road legal Mini or similar as cheap as possible and just park it out the back of your house.
Insure the Mini, fully comp all the bells and whistles etc making sure you are third party any car.
Drive similing!
Not sure what would happen in the event of a smack, but its a way of driving it legally!
Matt.
Word of caution here, I know some insurance companies have clamped down on the 'named driver' angle and used it to avoid a payout. I understand the view that you are using your own insurance on a cheap car to give third party only cover - but if they could prove you were the main driver of the TVR you might have a problem.
It might be worth trying other ins companies, there was a view a while ago that you were less of a risk, ie if you had 9 points for speeding you would slow down to avoid getting banned.
That used to work but it is worth being careful I agree.
My girlfriends stepfather has just come off a 12 month drink driving ban (
), not sure if he carried any additional points after it but he has just insured an Audi 80 1.9TDi for less than £300 a year!
I will see if I can find the name of the insurance company.
Matt.
My girlfriends stepfather has just come off a 12 month drink driving ban (
), not sure if he carried any additional points after it but he has just insured an Audi 80 1.9TDi for less than £300 a year! I will see if I can find the name of the insurance company.
Matt.
quote:
Get the wife to insure the tiv in her name.
Buy a road legal Mini or similar as cheap as possible and just park it out the back of your house.
Insure the Mini, fully comp all the bells and whistles etc making sure you are third party any car.
Drive similing!
Not sure what would happen in the event of a smack, but its a way of driving it legally!
Matt.
This is not a legal way of covering the car for third party risks. Most comprehensive policies cover you for driving another vehicle loaned to you but not hired to you. That other vehicle cannot belong to you though and it must have an insuraqnce policy covering it.
Yeah, I have to agree regarding the 'old banger' approach. In the event of an accident the insurer will be well within their rights not to pay-out if any suggestion of misrepresentation is discovered.
Technically Plotloss is correct in that such an approach would enable someone to drive legally but anyone considering this approach should be well aware of the risk of a clout and the consequences thereof.
Firstly, to get insurance on the 'old banger' it would be necessary to disclose to the insurance company that this was the principal vehicle - to do otherwise would ring alarm bells as the owner would presumably have no other vehicles registered in his name. To then use another car, registered in a spouse's name and kept at the same address would show up immediately when the insurance company did their preliminary checks in the event of a claim.
Because a lot of insurance companies have taken a real hit in the last 12 months, September 11th, last year's floods etc. they are taking much more care on investigating claims. If the insurance company sees its way fit to withhold payment the onus would be on the claimant to prove wrongdoing on behalf of the insurance company - a difficult and expensive business.
Being a straightforward named driver wouldn’t help as it would still be necessary for the named driver to disclose any penalties on the licence which may make the policy prohibitive.
An approach that has been common in the past is to apply to Swansea for a new licence on the pretext that the original has gone missing. The details would be changed slightly to circumvent the PNC and the database at Swansea. In the event of an endorsement the driver could then elect for the points to be allocated to another licence thus keeping one clean for insurance/ producer purposes.
There have been cases of drivers with half a dozen duplicates. Obviously I am not endorsing nor condoning such a course of action as it amounts to a criminal offence.
My advice may be obvious but I would keep trying with the specialist insurance companies, someone like Adrian Flux, Footman James etc.
Technically Plotloss is correct in that such an approach would enable someone to drive legally but anyone considering this approach should be well aware of the risk of a clout and the consequences thereof.
Firstly, to get insurance on the 'old banger' it would be necessary to disclose to the insurance company that this was the principal vehicle - to do otherwise would ring alarm bells as the owner would presumably have no other vehicles registered in his name. To then use another car, registered in a spouse's name and kept at the same address would show up immediately when the insurance company did their preliminary checks in the event of a claim.
Because a lot of insurance companies have taken a real hit in the last 12 months, September 11th, last year's floods etc. they are taking much more care on investigating claims. If the insurance company sees its way fit to withhold payment the onus would be on the claimant to prove wrongdoing on behalf of the insurance company - a difficult and expensive business.
Being a straightforward named driver wouldn’t help as it would still be necessary for the named driver to disclose any penalties on the licence which may make the policy prohibitive.
An approach that has been common in the past is to apply to Swansea for a new licence on the pretext that the original has gone missing. The details would be changed slightly to circumvent the PNC and the database at Swansea. In the event of an endorsement the driver could then elect for the points to be allocated to another licence thus keeping one clean for insurance/ producer purposes.
There have been cases of drivers with half a dozen duplicates. Obviously I am not endorsing nor condoning such a course of action as it amounts to a criminal offence.
My advice may be obvious but I would keep trying with the specialist insurance companies, someone like Adrian Flux, Footman James etc.
Howabout the banger idea, and resign yourself to letting your wife drive the Tiv ? - with maybe the odd little blast to remind yourself what it's like?
I know it's gonna be a pain, but no where near as painful as not having any car at all.
Bad luck mate, these things could happen to any of us, and I am particulary aware of the risks. But best not get in further bother with insurance companies.
I've noticed that the law punishes you ONCE, but the Insurance people will persecute you for the next 3 to 5 years. Seems wrong....
I know it's gonna be a pain, but no where near as painful as not having any car at all.
Bad luck mate, these things could happen to any of us, and I am particulary aware of the risks. But best not get in further bother with insurance companies.
I've noticed that the law punishes you ONCE, but the Insurance people will persecute you for the next 3 to 5 years. Seems wrong....
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