Register Login
endrop - for all your online needs
Reply
 
Thread Tools
Old 20-09-2011   #1
Join Date: Aug 2009
Location: edinburgh
Posts: 40
Thanks: 0
Trader Rating: 0
United Kingdom 
Drink Driving ban

Hi, i recently got my licence back after a ban for drink driving when i was 17. Im paying 1800 for a 1.2 2002 Punto active sport in my own name now which tbh is a lot less than i expected, anyway just got a question. When i was at the rehab course i was told by the lecturer that because i was 17 at the time of my my conviction i would only need to declare it for 2.5 years instead of the 5 years which your insurance asks for. I asked him again to make sure what he was saying was true, and he guaranteed he was correct and said it was just something to help young drivers get back on their feet. So does anyone know anything about this or heard of it Thanks John
__________________
FIAT Forum Useful Links:
Donate to FF | Buy FF Merchandise | Classifieds | FF Insurance | How-to Guides

JMBPUNTO is offline Reply With Quote Quote 
Old 21-09-2011   #2
Join Date: Aug 2010
Location: Cumbria
Posts: 2,113
Thanks: 34
Trader Rating: 0
United Kingdom 
Re: Drink Driving ban

It will stay on your driving licence for 11 years from conviction, insurance company's normally ask for the "convictions in the last 5 years" but if you do not declare your D10 etc being on your licence, it may invalidate your insurance.
not sure about the age thing, i'd be ringing the DVLA and getting it in writing.

Your very very lucky they didn't make you take your test again under the new drivers act!
__________________
Because learning is fun

Last edited by GrandeGuy; 21-09-2011 at 00:27.
GrandeGuy is offline Reply With Quote Quote 
Old 21-09-2011   #3
Massive Petrol Guzzler
 
LeighJet150's Avatar
Join Date: Feb 2010
Location: Peterborough
Posts: 663
Thanks: 16
Trader Rating: 0
LeighJet150 has donated!
United Kingdom 
Re: Drink Driving ban

For car insurance it will be the full 5 years.

For home insurance when your under a certain age, it is half the time (i.e. 2.5 years) rather than the full 5 years.
Likes Most Easterly Pandas liked this post
__________________
LeighJet150 is offline Reply With Quote Quote 
Old 21-09-2011   #4
Join Date: Aug 2008
Posts: 4,200
Thanks: 22
Trader Rating: 0
United Kingdom 
Re: Drink Driving ban

Quote Originally Posted by LeighJet150 View Post
For car insurance it will be the full 5 years.

For home insurance when your under a certain age, it is half the time (i.e. 2.5 years) rather than the full 5 years.
You have to declare a drink drive charge for getting home insurance? Or have I read that wrong?
__________________
Quote Originally Posted by SurreyAlan View Post
before you wish to get old just remember that while insurance costs go down other things fail to go up.
Quote Originally Posted by balidey View Post
With the help of my wife giving a gentle tug I can get it up in record time, fully erected in under a minute
Kier is offline Reply With Quote Quote 
Old 21-09-2011   #5
Massive Petrol Guzzler
 
LeighJet150's Avatar
Join Date: Feb 2010
Location: Peterborough
Posts: 663
Thanks: 16
Trader Rating: 0
LeighJet150 has donated!
United Kingdom 
Re: Drink Driving ban

you don't have to give driving convictions, I just used it as an example for any sort of conviction when it comes to Home insurance!
Thanks Kier thanked for this post
__________________
LeighJet150 is offline Reply With Quote Quote 
Old 22-09-2011   #6
Join Date: Apr 2006
Posts: 451
Thanks: 34
Trader Rating: 0
United Kingdom 
Re: Drink Driving ban

Drink driving stays CURRENT on your licence for 10 years. If you have another conviction for the same thing within those 10 years (timed from the date of the first offence to the date of the second offence, NOT the date they were dealt with in court) the minimum ban goes up from 1 year to 3 years.

The conviction will stay on your licence for an extra year (making 11 in total) although it is no longer active. This is because it can take months for a trial to be arranged and you could commit a second offence within the 10 years but not go to court until the 10 years have elapsed, which would give you the chance to show a clean licence.


In order to get motor insurance you must answer the questions truthfully with no exceptions. The instructor was confusing insurance law with the Rehabilitation of Offenders Act which does allow you to keep some things from a prospective employer. When I renewed my insurance recently one of the questions was whether there were any current endorsements on my licence. In my case there were none. For a drink driver there will be an endorsement for 11 years.

The New Drivers Act doesn't apply in drink drive cases. For drink drive you get a ban and no points. The act only triggers if you get 6 points in the first 2 years.
__________________
FIAT Forum Useful Links:
Donate to FF | Buy FF Merchandise | Classifieds | FF Insurance | How-to Guides


Last edited by johnw; 22-09-2011 at 12:14.
johnw is offline Reply With Quote Quote 
Old 22-09-2011   #7
Join Date: Aug 2009
Location: edinburgh
Posts: 40
Thanks: 0
Trader Rating: 0
United Kingdom 
Re: Drink Driving ban

Quote Originally Posted by johnw View Post
Drink driving stays CURRENT on your licence for 10 years. If you have another conviction for the same thing within those 10 years (timed from the date of the first offence to the date of the second offence, NOT the date they were dealt with in court) the minimum ban goes up from 1 year to 3 years.

The conviction will stay on your licence for an extra year (making 11 in total) although it is no longer active. This is because it can take months for a trial to be arranged and you could commit a second offence within the 10 years but not go to court until the 10 years have elapsed, which would give you the chance to show a clean licence.


In order to get motor insurance you must answer the questions truthfully with no exceptions. The instructor was confusing insurance law with the Rehabilitation of Offenders Act which does allow you to keep some things from a prospective employer. When I renewed my insurance recently one of the questions was whether there were any current endorsements on my licence. In my case there were none. For a drink driver there will be an endorsement for 11 years.

The New Drivers Act doesn't apply in drink drive cases. For drink drive you get a ban and no points. The act only triggers if you get 6 points in the first 2 years.
Thanks but i know about the conviction on licence thing, but thats not what i meant
__________________
FIAT Forum Useful Links:
Donate to FF | Buy FF Merchandise | Classifieds | FF Insurance | How-to Guides

JMBPUNTO is offline Reply With Quote Quote 
Old 23-09-2011   #8
Join Date: Apr 2006
Posts: 451
Thanks: 34
Trader Rating: 0
United Kingdom 
Re: Drink Driving ban

The Rehabilitation of Offenders Act means that a conviction punished by a fine is considered spent after 5 years. In other words you do not have to declare the conviction to a prospective employer, although exceptions apply for some jobs where a conviction is never spent. The 5 year period is reduced to 2 years 6 months if under 18 at time of conviction.

BUT


Insurance contracts are under what is known as "utmost good faith" and, in order for the insurer to be able to properly determine the risk, you must disclose any convictions within the last 5 years and any endorsements currently on your licence.

edited to add this
I asked a friend of mine who understands insurance law better then I do about this. He agrees with me that even spent convictions need to be declared but ONLY IF THEY SPECIFICALLY ASK about current endorsements or if anybody who will drive has had an endorsement within the last 5 (or some other number) of years. He quotes a precedent case from the High Court which says that an insurer may not rely on previous endorsements to disadvantage a driver. the case is R v DVLA & Another, ex parte Pearson [2002] if anybody wants to look it up.

Also the Financial Ombudsman has said that he will uphold a complaint against an insurer who voids a motor policy where the driver has failed to notify a spent conviction but still has a valid endorsement for the same offence. This could be (say) 7 years after a drink drive ban when the conviction will be spent but the licence will have a valid endorsement.


It seems we all need to read the insurance proposal questions carefully, answer truthfully and complain if we think we have been unfairly treated.
__________________
FIAT Forum Useful Links:
Donate to FF | Buy FF Merchandise | Classifieds | FF Insurance | How-to Guides


Last edited by johnw; 23-09-2011 at 11:33.
johnw is offline Reply With Quote Quote 
Reply
Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump
Similar Threads
Thread Thread Starter Forum Replies Last Post
drink driving! carlos1981 Leisure Lounge 37 21-01-2008 11:41
Drink Driving x Alex x Leisure Lounge 174 21-11-2007 21:06
Drink Driving Newboi Leisure Lounge 82 07-11-2006 23:56
Drink driving? GhostWKD Leisure Lounge 11 19-12-2005 13:57
Drink Driving Game activematt Leisure Lounge 13 25-09-2005 03:36