Earlier this summer my son had his license revoked for driving with no insurance...
*.**********
Instead of declaring he had passed (in april) he continued to drive his car with provisional insurance and then cancelled it. Lying to me that it had all been sorted.
He lost his license, the car and £200 in fines
Now he has retaken his tests and is looking for a new motor but I have a question....
When getting an insurance quote and filling in the detail about "license held for..."
Does he say that date he FIRST passed or the date he passed for the SECOND time after having his license revoked..
I cannot find anything on the internet about this so any help is appreciated. failing that I will tell the boy to pick up the phone and find out himself!
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The best option will be to ring insurer and ask them.
Surely, he has to disclose this incident anyway at the "motoring conviction" section anyway.
Insurers take very dim view of driving without insurance. Some insurers will simply refuse him.
You better sort this yourself this time rather than relying on him. Otherwise you may again discover the insurance is void.
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If done for driving without insurance, then he will presumably have 6-9 points with a code IN10 - driving without insurance. With points of this type, many insurers will not insure him and those that do will increase their premiums by quite a bit.
I think you'll need to sit down with him and make sure he sorts the insurance properly this time - assuming he can afford it.
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Hi guys thanks for the reply
with regards to the actual conviction he is under no illusions about doing it properly this time. Part of my message was censored when i said me and his mother gave him a good rollocking. but he had to leave his job and was without cash for the summer so he's more than learnt his lesson.
I think it is best to just ring clarify with the insurer when the time comes to take out his policy
Thank you for replies
Merry Christmass
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Having lost his licence getting cover could be tricky - a good broker rather than direct contact insurers might be the best plan of attack.
Guaranteed to be expensive - male, young and just off a ban ££££££s for 3rd party
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It might be an idea to see if he can be insured under your car for a while (even if he dosn't drive it) it depends how much it puts the premiums up. If he does this for a year depending on your policy he could then have one years no claims, this is what I did. There are complications with this method though.
The other option may be to wait till he is 25. I am 26, have 1 years no claims, no convictions and still paying nearly £1k.
On the other hand if you can afford it (and don't be surprised if the premium is over 3k) the quicker he starts driving the lower his premiums will eventualy be. Some insurers want to charge me £1k a year extra just for business use!! I am with directline and I think it only makes aroudn £200 a year difference.
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Yeah he was thinking of doing that on his mrs' 1.0 but her dad was not very keen on the idea HAHA
We had a huge shock yesterday!
with all details filled in accurately (as a new driver + conviction) on an old 1.2 the best we were getting was 1500 for the year TPO
but we clicked TPFT and it was nearly half as cheap - £800 sheets!!! and fully comp was 1000!
.turns out this is one of those anomolies that comes about when the insurers go a bit mad with their stats. I suppose MOST of the high risk customers are the young lads who just want the bare legal minimum....therefore they up the premiums
He's more into his motorbikes but realises that a cars much less hassle as a commuter run about
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800 quid sounds pretty good.
3 years ago I took out insurance on my own name - for first time in 15 years.
I was: 34, male, clean licence and no no claims.
Best rate I could get for a 1.4CL VW Polo was 500 quid (living in London, NW9) fully comp.
I think 800 quid TPF&T is pretty good for your lad bearing in mind his age, endorsement and lack of NCB.
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Just make sure you put the right code for driving without insurance conviction in. £800 sounds fairly cheap to me. I assume you live in a low risk area and your son is older than 21?
My step son was paying over £1000 for his last car TPFT with two years no claims.
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I have seen this kind of insurance anomoly work in my favour massively this year.
As a driver with need to drive 35k miles on business, license for a long time and no convictions for years, I found that my insurance premium was 40% cheaper this year when I put SWMBO on it - she passed her test 18 months ago, drives a C3 about 5k miles a year and daren't drive mine - she won't even reverse it out of the way to get hers off the drive. :)
I phoned them up just to go through the quote again so I could laugh with incredulity at the operator!.
Happy Christmas by the way - long time since my last post - I'm having a Christmas free time 'tinker'.
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Your son should definitely put his Mum on the policy - makes a big difference.
And try a broker - there are some specialists on convicted drivers.
Also check on ASKMID regularly with your son's registration number to make sure the car is still insured and he hasn't fallen behind on payments. {And, yes, I do know you are supposed to own the car you are enquiring about!]
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Cheers to nooby for askmid I thought you had to pay to use any of these online data checking thingies. That will come in very handy
Yeah we are in low risk north wales... so all things considered £800 is nothing to whinge about. He's got a few car modding websites bookmarked i see here though. This lads running before he can walk.
Twas the night before Christmas
when all through the house
I searched for the tools
to hand to my spouse
Instructions were studied
and we were inspired,
in hopes we could manage
"Some Assembly Required."
The children were quiet (not asleep) in their beds,
while Dad and I faced the evening with dread:
a kitchen, two bikes, Barbie's town house to boot!
And, thanks to Grandpa, a train with a toot!
We opened the boxes,
my heart skipped a beat
- let no parts be missing
or parts incomplete!
"Too late for last-minute returns or replacement;
if we can't get it right, it goes in the basement!
When what to my worrying eyes should appear
but 50 sheets of directions, concise, but not clear,
With each part numbered and every slot named,
so if we failed, only we could be blamed.
More rapid than eagles the parts then fell out,
all over the carpet they were scattered about.
"Now bolt it! Now twist it! Attach it right there!
Slide on the seats, and staple the stair!
Hammer the shelves, and nail to the stand."
"Honey," said hubby, "you just glued my hand."
And then in a twinkling, I knew for a fact
that all the toy dealers had indeed made a pact
to keep parents busy all Christmas Eve night
with "assembly required" till morning's first light
We spoke not a word, but kept bent at our work,
till our eyes, they went bleary; our fingers all hurt.
The coffee went cold and the night, it wore thin
before we attached the last rod and last pin.
Then laying the tools away in the chest,
we fell into bed for a well-deserved rest.
But I said to my husband just before I passed out,
"This will be the best Christmas, without any doubt.
Tomorrow we'll cheer, let the holiday ring,
and not have to run to the store for a thing!
We did it! We did it! The toys are all set
for the perfect, most perfect, Christmas, I bet!"
Then off to dreamland and sweet repose
I grateful went, though I suppose
there's something to say for those self-deluded-
I'd forgotten that BATTERIES are never included!
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