INSURANCE HELP PLEASE

[jpderv]

need help big time ive just got my provisional license back after longgggggggggg time basically i have five convictions on them 2 for no insurance and 3 for driving whilst disqualified ive been trying for a week with no luck im in n.ireland btw.

so went on go compare and put in all my details not ecspecting to get a quote but out of 32 companies only one insured me was 424 which i thought was a bargain thought il go and try and find out some info on them because iv never heard of them before and my god the amount of complaints and bad press they get is unreal.

all i want is for the bike to come up on the cops computer as insured when they stop me so i dont get into any trouble is theres no issues with that then i dont mind.

but i would like to ask you bikers if you know of any companies that specialise in convictions so that i can give them a try.

i know i done wrong in the past but atleast im trying to do the right thing now you would think that would cunt for something.

thanks in advance.

Ps. hope this is in the right plaice.

[andym]

I had convictions for car theft, driving without insurance (numerous times), no documents etc.... although I never got stopped while I was banned
Anyway I just waited for all the points to come off my license before sitting my test (had to wait 8 years too).

It shouldn't really make any difference what kind of press the insurance company has, unless you are planning on doing an insurance job on the bike, I would say go with the quote you've got and if you get stopped then you are legit.... although in my experience as soon as you get insurance you won't ever get stopped.

I've been in England for 9 years now, and the closest I ever got to being pulled was about 2am I was doing about 35 in a 20 zone and the police stopped me and said to keep my speed down there could be kids running around.

[jpderv]

[HD]

It may be worth ringing up a few just to ask.

Bad reviews are nothing, same as hotels and stuff. People only write reviews if they have had a shit experience. If that is a 'cheap' quote, then take it and run. They must be legit because they are on go compare.
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Rusty '02 Vito Camper + CBR600F3

[jpderv]

[imanupstart]

[lihp]

Remember that an internet quote often isn't guaranteed, I have a conviction for driving while over legal limit of alcohol. Though that's only on for another year.

For my first big bike, CBR600 after I passed my test I was quoted 390 over the internet, then when I called up, they went over the details again and it came out at 440.

Car insurance is even more ridiculous, straight back from my ban, I was paying £1100 for a 1.0 Micra, at 19, passed my car at 17. Then was down to £400 Fully Comp with 3 years no claims.

It's annoying to be honest, drivers make a mistake in the past, get convicted, and are prosecuted, I paid my fine, and did my ban. Yet I still get punished for a further 5 years after the offence by insurance companies.

If somebody goes out and seriously hurts somebody in a theft or an assault, when they've done there 12 month jail term plus some gardening for the council, then they're helped back into a job and given a lot of help to get back, drivers are punished for 5 years after.

[Acemastr]

Don't be a tool in the first place.

Simples
____________________
2017 KTM 350 XC-F - 2014 Yamaha R6 - 2005 Yamaha YZ125
2016 Toyota Tacoma Limited

[lihp]

Simple solution, unfortunately for an 18 year old with a 3 month old license I wish it was that simple at the time lol.

However, I got a 1 year driving ban, but effectively a punishment of 6 years, including 5 years of being bent over by insurance companies.

What offence would somebody have to commit to get 6 years worth of custodial? or a similar length offense that actually harms another person?

[TeamMCS]

[Robby]

You can hardly compare 5 years of having difficulty finding insurance with 5 years in prison.

Look at this from their point of view. Why would they want to cover someone who has repeatedly driven without insurance and then whilst banned? If someone has been that dishonest, repeatedly, then there's a fair risk of that person putting in a massive insurance claim.

I wouldn't cover you, unless the premium was as much as I would expect to pay out in the event of a claim.

Driving is a privilege, not a right. You abused the privilege, getting back the trust of an insurance company requires time.

[lihp]

I truly understand that, I have no other criminal record, or any other offences at all. I understand that insurance companies have to play a statistics game, still doesn't stop it annoying me.

Statistics mean nothing to the individual. I have never been involved in an accident, but was convicted of 1 driving offence, and I pay more on a car policy than a friend of mine who has made 9 claims in 3 years, all his fault accidents.

I think I'm going for the wrong companies. What I don't understand though is when you see traffic cop programmes, when they catch somebody driving whilst disqualified, and the punishment is a longer ban. Seriously, what's the point, they obviously don't care for the ban so why ban them for longer.

My major gripe is the unfair justice system. I was ordered to pay £150 fine, and £150 Police Compensation for their time in preparing the case. I was 40mg on the breath test, 1mg less I'd have got a caution, they prosecute at 40 and the legal limit is 35. I see people in the prosecutions section of the newspaper get smaller fines for theft and GBH!!! I see people on Police programmes fined £60 for being 3 times over what I was. How is that any way fair?

Before asked, if anybody doesn't believe the breath test results and the fine issued, I'll be happy to scan the papers and post them up.

[Kwaks]

Fines set in court are set by income, so no point griping about how much you were fined. 40mg is 5 over the limit, police do not offer cautions to those on 39mg, don't know where you heard that.

\insurance companies will obviously penalise you for the DD more than for a claim, DD drivers have a habit of causing damage to multiple vehicles and statistically likely to reoffend.
____________________
Fallen Angel "Nae sniffing my seat now!!!!! "
www.cliqueycuntsmcc.co.uk
I AM NOT A FAST RIDER!!!!!!!!!

[Burnside]

[Livefast123]

35 - 39 Mg is no further action
40 - 50 Mg Statutory option of giving bloodurine and bail or straight charge for excess alcohol
50 + Mg is a straight charge for excess alcohol

Everybody makes mistakes and as you have found out the financial penalty for serious driving offences is fairly high and continues for a few years with insurance etc. I can understand why insurance companies have to load the premium and if you are of the repeat offender ilk then why should you pay as little as a law abiding motorist.

What people forget is that driving/riding is a entitlement that must be earned and not a right. If you fuck up then your licence should be taken away. A car/bike is a missile waiting to cause death/pain in the wrong circumstance.

The fines/punishments handed out for other offences at court are a joke and probably worthy of their own thread
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Current ride - Yamaha MT-07

[2 litre]

It's a shame you got your lisence back. You don't deserve one.

[kestrel]

[The Artist]

[lihp]

[MattJ]

[-LG-]

[quote="PhilDawson8270"]

[kestrel]

^^^^ Wrong name on the quote???

[-LG-]

[pinkyfloyd]

[jpderv]