Driving ban & more- how much will my insurance be? - CheekyBob

Hello, I got a 12 month ban for failing to provide blood sample to check for cannabis.

I've bought a bike and have to ride the kids to school on it. Every time I'm struggling for breath going up great big hills with freezing cold rain lashing down on me I have to fight the anger of feeling constantly punished for a silly mistake.

So my mind often dreams of when I'll have a car again. But the dream is shat on when I figure I'll be punished still further with heavy insurance payments! And to top it off before my court date I decided to lend my car to my ex. And she wrote it off! She was a named driver on my policy and so I lost most of my no claims ( it went down to 1 year ). And the other thing is I've got 6 points for driving a motorbike without a licence or insurance! Bad year let me tell you!

When my bans over I'll settle for ANY type of motor vehicle, as long as I can get my kids about. So my questions are:

- What car would you recommend I get to keep insurance down?

- Any idea of a figure of the cost of insurance?

Please try not to judge me - if you've not been through a divorce and realised you have been fooled and manipulated by a control system your whole life you will think I've been irresponsible and stupid and get what I deserve! I will just say this - I didn't harm anyone.

Driving ban & more- how much will my insurance be? - badbusdriver

When did you get the ban?. I'm asking because it reads like this happened recently, in which case you may aswell wait a while before thinking about what, if any, car you will be able to get afterwards. You know, "a watched kettle never boils" kind of thing. You could certainly phone an insurance broker for some quotes, but if there is still a lot of time left on your ban, there wouldn't be much point.

I don't have any experience or knowledge regarding the after effects of a ban, but from an insurance point of view, something small and low powered like a VW Up, Kia Picanto, Citroen C1 are likely to be some of the cheapest options.

Driving ban & more- how much will my insurance be? - John F

- What car would you recommend I get to keep insurance down?

A very old one with a very small engine.

- Any idea of a figure of the cost of insurance?

No, but it will possibly be in the four figures per annum.

Driving ban & more- how much will my insurance be? - badbusdriver

- What car would you recommend I get to keep insurance down?

A very old one with a very small engine.

- Any idea of a figure of the cost of insurance?

No, but it will possibly be in the four figures per annum.

A very old car is not neccessarily going to be cheaper to insure as they were never designed with 'ease of repairs' in mind. The first small cars i am aware of being made like this was the Citroen C1/Peugeot 107/Toyota Aygo triplets. A minor urban shunt (by far the most common accident) should be rectified by simply replacing the bumper covers. But also minimising the amount of seperate body panels and even the tailgate being just a large glass panel is are all designed to make it quicker, simpler and therefore cheaper to repair. The VW Up/Seat Mii/Skoda Citigo follow the same path.

Driving ban & more- how much will my insurance be? - Leif

- What car would you recommend I get to keep insurance down?

A very old one with a very small engine

I saw little change if any in my premiums going from a 6 year old car, 65 PS, to a brand new car, 95 PS. That said, the best way to find out is to go to a car insurance comparison site, and enter in some dummy data that is close to reality.

Driving ban & more- how much will my insurance be? - argybargy

Your motoring problems appear to be primarily your own fault, and if you break the law on the road then you do risk harming someone. There's no escaping that responsibility. However, that's the inevitable "judgement" out of the way.

I'd imagine, though I don't have experience in this area, that some insurance companies will refuse to quote you, and those that do provide quotes will want the proverbial arm and a leg, even if you opt for third party only. Your choices when the ban ends will therefore be limited to very small and basic cars which will cope well with local commuting/ school delivery and collection. Fiesta, Corsa, Kia Picanto, Polo etc: any one of them will do just fine..The good news is that there are plenty of those cars around, and they're cheap.

The insurance companies will probably still want four figures from you, but the car will cost far less.

So nil desperandum, but FGS learn your lesson this time round. If there's a next time you're likely to end up on a pushbike for good.

Driving ban & more- how much will my insurance be? - skidpan

Please try not to judge me - if you've not been through a divorce and realised you have been fooled and manipulated by a control system your whole life you will think I've been irresponsible and stupid and get what I deserve! I will just say this - I didn't harm anyone.

We don't hqave to judge you, no one forced you to commit the offences, only you is to blame for that.

Be thankful no body was harmed,

If there's a next time you're likely to end up on a pushbike for good.

I would think that there is a good chance of a custodial sentence if it happens again.

Regarding insurance its going to be very expensive, your loss of no claims will be the least of your worries there.

If you search there may be some companies who are more likely to provide cover but none will be cheap. If you want to drive again be prepared to pay.

Driving ban & more- how much will my insurance be? - barney100

Start saving now, all you can do is go round as many insurance companies as you can and see if 3rd party fire and theft with a huge excess numbs the pain on a low category car. Hope you have ended your cannabis and driving or they will come down like a ton of bricks.

Driving ban & more- how much will my insurance be? - madf

There are insurance companies which specialise in that sort of risk. Youngest son was banned 15 years ago for drink driving. His premium when unbanned was iirc over £1k for a Peugeot 106 1.0....

(He no longer drives and drinks in any two day period.).

Driving ban & more - how much will my insurance be? - Avant

Sorry to hear you've had such a disastrous year. Ignore the judgemerntal comments above which are no help to you, but the advice to shop around for insurance is very sensible.

You'll probably find that a lot of online insurers won't take you on, but you could also approach a broker who will do your shopping around for you. You're right to think about insurance at the stage, as the cost of this will of course affect your total budget.

The only way is forward - good luck.

Driving ban & more - how much will my insurance be? - gordonbennet

I know someone who has just been through this recently but DD, we all expected the premiums to be staggering as a rather juicy car is involved, and yes the premium doubled from the £300 mark to roughly £600.

Just make sure you stay clear of the muck you used, because if anything like DD you will have to undergo a medical examination incl blood tests before they grant your licence back.

Best of luck for the future, i'll cast no stones at you cos i've done daft things in the past too (unlike the haloed above who possibly walk several feet above water), and yes a nasty divorce of the type your describe to recall so you have my sympathy there, T shirt earned here too.

Driving ban & more - how much will my insurance be? - skidpan

i'll cast no stones at you cos i've done daft things in the past too (unlike the haloed above who possibly walk several feet above water), and yes a nasty divorce

Most of us on here will have done daft things in the past but being convicted of driving with no license, no insurance and the refusing to take a blood test (which resulted in the ban for drugged driving) all in what would appear to be a short period of time is totally beyond daft.

I have had to cope with a divorce in the past and I am pretty sure no one has a pleasant one of those.but its no excuse for the above.

Driving ban & more - how much will my insurance be? - argybargy

i'll cast no stones at you cos i've done daft things in the past too (unlike the haloed above who possibly walk several feet above water), and yes a nasty divorce

Most of us on here will have done daft things in the past but being convicted of driving with no license, no insurance and the refusing to take a blood test (which resulted in the ban for drugged driving) all in what would appear to be a short period of time is totally beyond daft.

I have had to cope with a divorce in the past and I am pretty sure no one has a pleasant one of those.but its no excuse for the above.

We all find ourselves at a low point now and again, often through no fault of our own. In such times its easy to do daft things because thought processes are not working properly and willpower is lacking, things that we might easily find ourselves regretting for the rest of our lives. So an important port of call in this discussion would indeed be "cast not the first stone".

However, I would take issue with those who castigate the allegedly judgemental comments made by myself and others.It would be a failure of any community such as this one to fail to give good advice to its members. That good advice in this case is very simple and entirely reasonable: learn from your mistake, and then move on.

Driving ban & more - how much will my insurance be? - FP

"However, I would take issue with those who castigate the allegedly judgemental comments made by myself and others. It would be a failure of any community such as this one to fail to give good advice to its members."

Giving "good advice" is not the same as being harshly critical.

I'm afraid it's become predictable not only that the boot would go in, but whose boot as well.

Driving ban & more - how much will my insurance be? - argybargy

"However, I would take issue with those who castigate the allegedly judgemental comments made by myself and others. It would be a failure of any community such as this one to fail to give good advice to its members."

Giving "good advice" is not the same as being harshly critical.

I'm afraid it's become predictable not only that the boot would go in, but whose boot as well.

Admittedly I wrote the above before I read all the comments made by those "others," but I was primarily defending my own post, which I didn't think was excessively "judgemental", or unreasonable.

It remains my opinion that we'd be letting the OP down by failing to emphasise (despite his entreaty not to judge him) that although we all make mistakes, he should try not to make that same set of mistakes again. Otherwise the consequences are likely to be significantly worse than they will be this time round.

Driving ban & more - how much will my insurance be? - FP

Once again, Skidpan, you don't know when to shut up.

Such comments (e.g. "totally beyond daft") are of no use to anyone in this thread.

Driving ban & more - how much will my insurance be? - KB.

Note to the OP - disregard the vast majority of skidpan's unpleasantness - he can't help himself.... he just likes the sound of his own voice. Well, I suppose we all do to some extent, but he takes it to a new, and irksome, level.

My neighbour, a lady of 86, has had an unbelievable number of "incidents" on the road. The vast majority (if not all) were of her own making - she's reversed into cars on more than one occasion, driven into her own garage door, scraped and dented every body panel ... the list goes on. The year just gone, when her insurance came up for renewal, her insurer declined to invite renewal. She asked her broker (a local firm with whom she has had insurance for many years) who offered an alternative company's quote of over £900. I thought that might be her only option but her son went online and, lo and behold, came up with a respectable enough company who offered her comprehensive insurance at a little over £300, which she grabbed with both hands.

So, despite the odds, all may well not be lost when the time comes .... just shop around.

Driving ban & more - how much will my insurance be? - skidpan

Once again, Skidpan, you don't know when to shut up.

Such comments (e.g. "totally beyond daft") are of no use to anyone in this thread.

Note to the OP - disregard the vast majority of skidpan's unpleasantness - he can't help himself...

Get serious you two. The OP has committed 4 serious driving offences

Driving under the influence of drugs

Refusing to give a blood sample

Driving with no licence

Driving with no insurance

and you two whilst not actually defending him are not happy that myself and others are prepared to tell it like it is.

As far as I am concerned drink/drug driving should have a simple and non negotiable sentence for the first and any subsequent offence

1st offence 2 year ban

2nd offence 10 year ban

3rd offence life time ban

In addition prison should be mandatory if persons are injured or killed as a result of the offences.

If a banned person is caught driving they should automatically be put onto the next level of ban e.g. get caught whilst on a 2 year, move onto a 10 year.

There are probably other sites where people are more than happy to say how terrible it is and try to help with getting offenders off but that is not this site thankfully.

To the OP. remember that the increased premiums will not just be for the first year, you will keep paying them for a very long time.

I sincerely hope you have learned form your mistake.

Driving ban & more - how much will my insurance be? - KB.

I'll tell you what lesson I learn when seeing the sanctimonious tripe and bilge you post, day after day, in this place .... it's how grateful I am I can turn my computer off and you magically disappear from my radar.

It would all be so much worse if I had you as a neighbour, co-worker - or, worse still, a relative .....

.....if that were the case, and I had to suffer you on a regular basis, I think even I, who has never taken cannibis, or anything else along those lines, would be tempted to take it up as some form of relief from your constant stream of d***** and dross.

Driving ban & more - how much will my insurance be? - Leif

I'll tell you what lesson I learn when seeing the sanctimonious tripe and bilge you post, day after day, in this place .... it's how grateful I am I can turn my computer off and you magically disappear from my radar.

It would all be so much worse if I had you as a neighbour, co-worker - or, worse still, a relative .....

.....if that were the case, and I had to suffer you on a regular basis, I think even I, who has never taken cannibis, or anything else along those lines, would be tempted to take it up as some form of relief from your constant stream of d***** and dross.

The OP said he was “Feeling the anger of constantly being punished for a silly mistake.” That sounds like he is blaming the police and legal profession for being harsh on him, rather than himself for some pretty significant transgressions. With that sort of attitude he will simply carry on repeating the same “silly mistakes” as he classes them. I have never committed one of his sins, never mind all of them. And yes I’ve done some naughty things when young, and had I been caught, I hope I would have blamed myself and no-one else. I still cringe when I think back. Someone should have firmly but politely told me that what I did was ‘naughty’.

Driving ban & more - how much will my insurance be? - Avant

This forum is not the place for kicking a man when he's down. I think we can be confident that having to ride a bike to do the school run, uphill in winter, will ensure that Cheeky Bob won't get himself in that position again.

Fortunately there is some good advice above in between the outbursts of Schadenfreude, which I hope he'll find useful.

Thread closed.