Car Insurance with a Criminal Conviction

What is Convicted Driver Insurance?

Convicted driver insurance is insurance for a driver who has a criminal conviction. The cost of insurance is usually higher when the driver has a previous criminal conviction.

Does a criminal conviction make it harder to get car insurance?

A criminal conviction makes it harder to get car insurance. Surprisingly to many, this does not only include convictions that relate directly to driving. Any conviction may result in certain problems when seeking car insurance.

How to get car insurance when you have a criminal conviction

The first thing you need to do is disclose your conviction to your insurance broker and insurer. Never hide your conviction because it will lead to problems down the line. It may result in your policy being voided.

It is also important to know that any conviction must be disclosed even if the event or the conviction happened after the policy of insurance was taken out.

This is something that can easily be forgotten but is just as important as disclosing the conviction when the policy is taken out. In this circumstance, it is up to the policy holder to make contact with their insurance provider and notify them about the conviction.

There are insurers who specialise in policies for people with convictions. It is possible for a convicted driver to shop around to find the best quote.

Spent Convictions – Car Insurance

What is a “Spent” Conviction?

Some convictions are regarded as “spent” after 7 years. The 7 years is counted from the date of the sentence (conviction).

These are:

  • All convictions in the District Court except for convictions for dangerous driving and a single conviction in either the District our Circuit Court which resulted in a prison term of less than 12 months or a fine
  • Convictions for a sexual offence or an offence tried in the Central Criminal Court must always be disclosed and are never “spent.”

Up until 2016, there was no set time in Ireland whereby there was expungement of adult criminal convictions after a set period.

In terms of insurance, it is really a lifelong punishment since all insurance companies ask, at the time of new business quotation and/or renewal, whether there has ever been any criminal convictions.

The 2016 act states “If you have been convicted of fraud, deceit or dishonesty in respect of a claim under a policy of insurance or a policy of assurance, you have to disclose that conviction on any insurance or assurance proposal or form.”

Failure to disclose such convictions could mean that your policy is invalid and cancelled from inception date – effectively meaning that cover never existed. It will also mean that any claim will not be paid.

It is important to note that these rules apply to all insurance policies, not just car insurance.

Questions Insurance Brokers/Companies will ask a Convicted Driver

At quoteme.ie we ask the following question when we receive an application for car insurance:

“Have you or any driver who may drive your car ever had any convictions for any offence of any nature or any pending prosecutions?”

Convicted Drivers Insurance

In the case where the offence resulting in the conviction was related to driving you will have to disclose details. For example, in the case of seeking car insurance for a person convicted of a drink driving related offence a number of additional details are required.

A number of insurance companies provide quotes to convicted drivers. We get quotes on your behalf from these insurers so you can select the best quote.

Convicted drivers insurance can be significantly higher than a driver without a conviction. That’s a key reason to shop around for your quote. We can help you get cheap convicted drivers insurance. Everyone’s circumstances are different. You may be surprised at how much you can save on your policy.

Convicted Driver Insurance and Drink Driving Insurance

We help drivers with a drink driving related conviction get car insurance. During the application process, we require additional details from the applicant that relate to their conviction.

If you have a drink driving conviction, we have a number of insurers willing to quote for your car insurance.

In order to get an insurance quote for a driver who has a drink driving conviction we require the following details:

The date of the offence and the penalty you received.
Since 2011 your penalty will reflect the offence so we no longer need to know the statistics around your blood/alcohol levels at the time of your offence.

A major factor in determining the cost of your car insurance policy will be around the penalty you received. If you were disqualified from driving for more than 2 years, you will have lost your no claims bonus, with the obvious consequence.

Even if you have a drink driving conviction it is worth shopping around for quotes. Many insurers will give you a quote but in our experience, this can vary according to a number of factors.

We can help you find the lowest price quote from insurers who have policies for drivers with a drink driving conviction.

Our insurance professionals can help people with convictions get the best possible quote for their circumstances. We recommend that you give us a call and we will do our utmost to find the best quote for you.

Insurance for a Driver with a Conviction

For a driver with a conviction, it is more difficult to get car insurance. Quotes are higher for individuals with a conviction than for people without a criminal conviction. However, this increase in cost can be reduced.

Over the years we have seen many convicted drivers make substantial savings on their policy. Even though the quote will be higher if they did not have any convictions, shopping around does pay.

Please call us for a quote. We will compare insurance companies that insure convicted drivers and are happy to walk you through the application process. Our friendly insurance professionals will make it easy for you to provide all the required details.

Call us on 0818 224 433.

Car Insurance Ireland: What You Need

Car Insurance in Ireland has increased substantially over the last number of years. However, this year. we are seeing quotes from many insurance brokers stabilise and in some cases come down. Car insurance Ireland is a topic that is sure to be discussed at length in the mainstream media.

In general, when getting a new policy for your car in Ireland, or when renewing your policy, make sure you shop around for the best price.

Get a Car Insurance Quote

Getting a car insurance quote in Ireland is easy. It should not take more than three minutes.

Here are a few key things you should have at the ready when you are getting a car insurance quote.

What do you need for a Car Insurance Quote in Ireland?

  • Your registration number.
  • The date of birth for all people you intend putting on the policy.
  • The dates they have passed their test
  • The penalty points (if any) on the licences of those who will be on the policy

Please see full checklist below:

Car Insurance Ireland – Checklist

Car Insurance Ireland – Keep your insurer up to date

It is essential that you inform your car insurer of any relevant changes that have occurred since you took out your policy.

You must inform your insurer if you change your car, If you or another named driver pick up any penalty points or convictions, any changes to your occupation. If you change address or any changes to your health.

You also must inform your insurer If you modify or alter your car. This includes adding body parts.

Car Insurance Ireland – Selling Your Car

If you are selling your car in Ireland simply return your insurance disk to your broker. Some insurance companies will refund you for the remaining duration of your policy. Other companies will not give refunds on a cancelled car insurance policy in the first year of insurance. If you are unsure what refunds you can get, contact your broker.

Changing Your Car

You need to make sure that your insurance policy covers your new car. The easiest way to do this is to send your insurance disk back to your broker and advise them on the details of your new car. You also need to inform them when the transfer of cover is due to take place.

Driving in other countries

An Irish car insurance policy covers you for driving in Europe for 31 days.
Moving to a different Car Insurance Policy in Ireland
Car insurance renewal in Ireland is easy. You can easily move to a cheaper policy instead of renewing with your current provider.

At the very least, you should get a quote from a number of insurance providers before renewing. If you are concerned about the hassle of moving policy, you shouldn’t be. Contact an approved insurance broker that is regulated by the central bank of Ireland. They will help you take out a new insurance policy.

Breakdown Assistance

Many policies offer breakdown assistance. It is always a good idea to read the terms and conditions carefully and ask your broker about the details.

Car Insurance Quote

If you are looking for a car insurance quote in Ireland then simply use our car insurance quote engine. You will be able to compare quotes from multiple insurers. You can also just give us a call on 0818 224433 or 042 9359051. We would be delighted to take you through the entire process.

Car Insurance for a Premier League player if they transferred to the League of Ireland

In this crazy football transfer market, what if a Premier League player was signed by a League of Ireland team? This may not be as far-fetched as it originally seems, considering the possibility of Champions League football for the League of Ireland club.

Since Premier League players are known to drive expensive large engined cars, we have taken a look at what a typical Premier League player would pay for car insurance if they transferred to the League of Ireland.

The Range Rover Evoque is the most popular car driven by Premier League players across the water, so we have used this for our analysis.

We picked four areas – North (Donegal), South (Cork), East (Dublin) and West (Sligo) plus the town of the League Champions Dundalk.

Sligo and Cork had the cheapest quote followed by Donegal and Dublin. Dundalk had the most expensive quote by a clear distance.

Quotes are based on a 25 year old male footballer with a five years no claims bonus.

Dublin:
LOI Teams: Shamrock Rovers, Bohemians, St Patricks Athletic
Car Insurance – Range Rover Evoque Dublin: €2,993

Dundalk:
Team: Dundalk FC
Car Insurance Dundalk – Range Rover Evoque: €4,812

Cork:
LOI Teams: Cork City
Car Insurance – Range Rover Evoque Cork: €2,875

Sligo:
LOI Teams: Sligo Rovers
Car Insurance – Range Rover Evoque Sligo: €2,875

Donegal:
LOI Teams: Finn Harps (Ballybofey)
Car Insurance – Range Rover Evoque Donegal: €2964

Conclusion

Based on car insurance quotes from thirteen different car insurers, Cork and Sligo offer the best value for the player. Donegal comes in second with Dublin not too much more expensive. Dundalk has the most expensive policy quote for the car used in this example.

If you would like a car insurance quote and are not a 25 year old footballer with a Range Rover Evoque then use our comparison engine now.

Strange decision over discriminatory practices by car insurers

Car insurance for EU license holders in Ireland is an important issue, since most of the 12% of non-Irish citizens in Ireland are from EU countries. In principle, drivers from EU countries should expect to be treated equally when it comes to car insurance. It is true that one of the obstacles to overcome for EU citizens is the differences between Irish licences and non-Irish licences. A major difference between a non-Irish driver’s licence and a license issued by the Irish State is the amount of information available to car insurance companies in Ireland.

However, in a recent case that came before Ireland’s Workplace Relations Commission (WRC), a Polish man who has been living in Ireland for over a decade lost his claim against an Irish insurance company. The man holds a full Polish driving licence, and has a no-claims discount of four years in Ireland. Yet when he tried to get insurance in June, he was quoted €942. If he had had an Irish license, he would only have paid €768, and if he had held a UK license, he would only have been charged €760.

The Polish driver challenged the decision of the Irish car insurance company at the WRC, the independent, statutory body established in 2015 under the Workplace Relations Act 2015. His challenge was based on the provisions of the Equal Status Act, Discrimination and Related Activities, Disposal of Goods and Provision of Services.

For some obscure reason, the Commission found that the insurance company had legitimately discriminated against the Polish driver, who has lived and worked – and paid his insurance – for 11 years in Ireland. According to the WRC, EU citizens with non-Irish driving licences can be charged more for insurance. This does not seem fair.

Tips when hiring a car abroad

With thoughts of booking summer holidays on the horizon, we’ve put together some useful tips on car hire abroad to make sure it’s a stress-free experience:

  • When hiring a car abroad, make sure that the requested insurance cover is documented. Ask specifically if the car provided will be fully equipped to meet all the legal requirements of the country being visited
  • Familiarise yourself with the rules of the road of the countries you intend to drive in
  • When collecting your car, ask the rental firm about their procedures should it break down and the emergency number to call
  • Check that your rented car has emergency equipment. Check all the switches, indicators and other controls – if any are unfamiliar or don’t work, ask the rental firm for guidance
  • A good phrasebook will come in handy for communicating with a policeman, breakdown recovery firm or garage
  • If you are looking for the best bargain, remember that prices quoted online often only contain the basics. Check what is included in the final quote and what is not. Pay special attention to airport surcharges and insurance cover
  • Check the cost of extras that you will need during your rental: child seat, additional driver, extra insurance etc.
  • Carry your driving licence, original vehicle registration document and passport; you may be asked to produce any one of these items. A provisional licence is unacceptable and the minimum driving age in most countries is 18
  • If you are staying in the EU then you do not need an international driving permit. However it is still worth having one as some hire companies insist on them
  • Remember that children under 12 and/or 1.5 metres in height are not permitted to travel as front seat passengers in some countries

Insurance implications of driving with an overcrowded car

There are many implications of driving with an overcrowded car. Firstly, it’s illegal. It’s also very dangerous, and can make it more likely that you will be involved in an accident. The law says that you should only carry the number of people that can each sit in a manufactured seat with a seat belt, so if your car was designed only to carry 3 people, it’s against the law to carry 4.

So even if you can manage to squeeze 7 people into a mini, it’s unsafe and against the law. Cars are manufactured with a certain weight ratio in mind and ignoring this can cause serious mechanical problems with the car. Carrying too many people also has safety implications.

More weight in your car will increase the wear and tear on your vehicle, and also increases your fuel consumption. A heavy weight can cause the underside of the car to drag over speed bumps and when travelling up- or down-hill which can damage exhaust pipes and brackets.

A heavy load can also negatively affect your steering and your braking. If your car is too slow to respond, you could be involved in a serious accident. Excess weight can also mean that your headlights will become misaligned which could result in you dazzling drivers travelling towards you.

A very convincing reason for not carrying more people than you should is the possibility that you will be stopped by the police. If you are involved in an accident while transporting more people than you should, regardless of who is to blame, you could find it difficult to prove that you were not at fault. You could leave yourself open to legal action from those who were travelling in your car or, in the case of children, their parents.

Which brings us to the subject of insurance – carrying too many people in your car could jeopardise your insurance cover. Insurance companies typically allow for only 5 people to travel in a single vehicle (however, if you have a people carrier, you should point this out to your insurer to make sure that you are covered).

If you decide to carry more people than you should, the insurance company could declare your cover null and void. This in turn could lead to a situation where you could face a charge of driving without valid insurance.

Innovative flood insurance in the Netherlands

With much of the country below sea level, the Netherlands is no stranger to flood risk. In 1953, the country was hit by a devastating flood which claimed almost 2,000 lives. But despite boasting some of the most advanced flood defences in the world, almost two thirds of Dutch homeowners were unable to buy flood insurance for some 60 years after the 1953 floods.

This changed drastically in 2013 when Lloyd’s coverholder Neerlandse started offering flood insurance using an innovative underwriting and risk assessment tool. This insurance product has the backing of the country’s homeowners association, and provides protection for flood damage up to €75,000. Most experts agree that this is more than enough to cover the average damage to a property from a major flood. The policy also covers water damage resulting from a failure of flood defences caused by earthquake or an act of terrorism.

Although the Netherlands is well protected from flood, Dutch underwriters nevertheless had no mechanism that could properly assess and price the risk for individual properties. The Neerlandse online underwriting tool is unique in that homeowners can use the Neerlandse website to find out if their property is at high or low risk of flooding. If the risk is high, homeowners can access information to help them reduce their risk. The underwriting tool combines the flood data from engineers with mapping technology to produce a risk assessment, and to offer homeowners a premium for their property.

There has been considerable debate in the Netherlands, as in Ireland, about flood risk and insurance. The Dutch Association of Insurers proposal that flood insurance be made a compulsory cover has proved unpopular with the public, which views this as an unfair form of taxation.

A spokesperson for Neerlandse claimed that compulsory insurance would have negative implications for risk awareness and mitigation. The Netherlands’ world-beating flood defences could create a misleading sense of security. Neerlandse believes that people need to be made aware of the true levels of risk through transparent information and the cost of their insurance. If insurance were to become compulsory, there would be no incentives for people to understand the risk, nor to take mitigation measures.

Is it fair to compare car insurance costs in other countries?

Is it fair to compare car insurance costs in other countries? Yes and no.

On the one hand, when you compare car insurance costs across the world, it’s tempting to reach the conclusion that car insurance in Ireland is very expensive. On the other hand, every country has its own set of insurance rules. For example, car insurance rates are low in some European countries because so long as you have the right papers and insurance in place, you only have to insure the car alone.

In Ireland we complain because insurance premium hikes are in double digits. Meanwhile, in Ontario consumers complained bitterly when car insurance rates increased an average of 0.60% in the second quarter of 2015.

The lucky residents of the state of Florida are almost unique in the world – their auto insurance premiums for Personal Injury Protection (PIP) are sliding downward. According to recent data, PIP premiums in Florida fell by over 13% following the implementation of a state law which was designed to lower premiums. Since PIP accounts for about a quarter of auto insurance costs overall, drivers in Florida have seen their premiums drop 3-4% since 2012 – compared to rises of over 30% in Ireland in the same period.

Do Penalty Points affect your Car Insurance Premium?

Not as much as you would expect. All car insurance companies ignore 4 penalty points or less – that is they will all quote for the risk and not load the premiums. However, once your number of penalty points increase beyond 4 the number of insurers prepared to quote for your car insurance reduces quite dramatically. Interestingly too is that once you have accrued more than four penalty points, it is unlikely that you will recognise the name of the insurance company quoting for your car insurance. To explain what I mean let’s take a look at the private car insurance market in Ireland today.

The private car insurance market in Ireland is served by two types of insurer. The first type is the Multi National, Publically quoted Insurance Company. These companies will all be familiar to most people and examples include, Allianz, Aviva, AIG, Axa, RSA and Zurich. The second type or car insurer is characterised by smaller, privately owned businesses that are called Underwriting Agencies. These Underwriting Agencies buy insurance capacity from another Insurer and in most cases this other insurer is located off-shore. Examples include Patrona underwritten by Quodos, Arb and Bump underwritten by Zenieth and Wrightway underwritten by Euro Insurances. The owners of Underwriting Agencies believe that they can target certain niches and do it better and more profitably than the large Insurance Companies. Ultimately, these Underwriting Agencies get sold, as was the case with Sertus in 2008 or goes bankrupt, as was the case with Setanta in 2014.

The interesting feature that popped out in answering the above question – whether penalty points affect your car insurance premium – is that all of the Insurance Companies (with the exception of Zurich) quote for risks with up to 4 penalty points. When you reach 6 penalty points and beyond, the only Insurance Company quoting is Axa. However, the Underwriting Agencies all provide quotations and in the case of Kennco the premium remains at €691 whether you have 4, 6 or 8 penalty points. The price from ARB remains at €865 whether you have 6 or 8 penalty points.

Smart Steps to get Cheap Car Insurance

When you receive your car insurance renewal notice, it’s very easy and tempting to just go ahead and pay the premium and stick with the same insurer. That could be a costly mistake, because you might get a much better deal for cheap car insurance by switching car insurance companies.

If you find a premium that beats what you’re currently paying and you decide to change insurer, you need to be careful so you don’t end up with a gap in your cover. Follow these steps to a successful switch.

Shop around. The best time for checking out the prices offered by other insurers are when you move, when you buy a new car, or when you receive your car insurance renewal notice which will be at least 3 weeks before your due date.

Compare Car Insurance Rates Here

You should gather at least three different quotes. You will also want to know what is covered and what extras are included in a possible new policy. If you would prefer somebody do this research for you, Click here for an online quotation which checks the prices from at least 10 different insurance companies in Ireland.

The next step is to contact your current insurer who may be may be willing to fight to keep your business! It’s amazing how quickly some insurers offer competitive discounts when you threaten to leave. Many companies will try to match or beat a rival’s quote.

While you are talking to your current insurer check that you are getting all of the discounts you are entitled to. For example, you might qualify for discounts if you have another policy with the company, such as a second car, a van or your home insurance.

If you ultimately decide to move insurer, do consider taking all of your business with you. That way you will bet your new insurer’s multi-policy discount

Can switching car insurance cost you?

If you decide that changing your insurer is the right option for you then you need to find out if there are any penalties for cancelling your car insurance policy mid-term. This is very important if it is your first year with an insurer. Many insurers in Ireland charge “short period rates” if you cancel your policy before it expires at renewal date. Short period rates = expensive! So, if you are cancelling in the middle of the term, it is wise to check with your insurer to see whether you will get a full pro-rata refund or whether they will be charging you short period rates.

Investigate the new company. Check out an insurer thoroughly before signing on. Typically people go to the Ombudsman with complaints because of claims payments. You want to be sure other people are happy with the way they resolve complaints. You want to know if your claim is going to be paid. Is it going to be paid quickly or not? Is this an insurer that is likely to say it’s your fault if you’re in an accident?

Health Warning: Don’t sign on with an insurer just because it offers the lowest price. Some insurers offer great rates but sorry claims service.

Mind the gap. You want to make sure that there will be no gap in coverage as you change insurers. Don’t cancel your insurance before you have your new policy in place. It is a good idea to have something in writing from your new company before communicating your intentions to the old one.

Remember that there are no days of grace with a motor insurance policy. You must ensure that your new insurance policy starts before the old policy lapses automatically at renewal date. A lapse in insurance cover could lead to serious legal and financial challenges for you if you have an accident.