Sensible Topic Do i have to declare this ban to insurer? Is it 4 or 5 years?? What date do i use???

[bilabonic]

Hi All

Was going through a very rough time in 2011/2012 and was self medicating with drink (plus trying everything else from swimming/running etc)
Anyway i ended up in the DR's and was diagnosed with severe Depression/Anxiety/Bipolar and i'm now back to normal and on meds.

I was banned for Drink Driving at this time, details which i just had from official DVLA website, i have not driven since.

I'm looking to get a little runaround or small 1.3 Combo Van BUT unsure whether i need to declare it or not? Plus what date do i go from, the start date, End date or date or Conviction date??

Is it 4 or 5 years you need to declare, plus from what of the 3 dates does it start from??

File attached of details.

Cheers guys.

 

[phawk754]

info from here Drink Driving, Frequently asked Questions


A drink driving endorsement (DR10) will remain on your licence for a period of 11 years from the date of conviction. Endorsement codes DR40 - DR70 remain on your driving licence for 4 years from the date of offence OR 4 years from the date of conviction where a disqualification was imposed for the offence.

 

[IANB]

Do they not ask if you’ve had any accidents claims or conviction in the last “x” years

 

[bilabonic]

info from here Drink Driving, Frequently asked Questions


A drink driving endorsement (DR10) will remain on your licence for a period of 11 years from the date of conviction. Endorsement codes DR40 - DR70 remain on your driving licence for 4 years from the date of offence OR 4 years from the date of conviction where a disqualification was imposed for the offence.

I understand it stays on license for 11 years BUT insurance companies class it as spent after so many years so i may not have to declare it.

 

[bilabonic]

Do they not ask if you’ve had any accidents claims or conviction in the last “x” years

That is what i am trying to find out so i can get quotes online.

Cheers

 

[JonMMM]

this should help

Compare DR10 Insurance Quotes - Drinkdriving.org

 

[JonMMM]

Also weirdly although it stays on your Licence for 11 years after you get your licence back it comes of your criminal record (even an enhanced discloser (as long as your record is otherwise clean)) after 10 years from date of conviction.

 

[bilabonic]

this should help

Compare DR10 Insurance Quotes - Drinkdriving.org

Found the answer, it is 'spent', after 5 years.

Find cheap insurance after drink driving ban

'The principle effect of the saving provision outlined above is that road traffic endorsements must be declared to insurers when asked about convictions until they become 'spent' and road traffic endorsements do not become 'spent' until the rehabilitation period has passed, the rehabilitation period for road traffic endorsements is five years, unless the offender is under the age of 18 at the time of conviction in which case the rehabilitation period is halved to 2.5 years. The rehabilitation period for road traffic endorsements is the same in England, Wales, Scotland and Ireland.'

Therefore it was spent on 18/12/2017!

Cheers guys, just need to find an insurer now, got an old Combo given to me 55 plate..lol

Anyone recommend any.

So far i have -

Adrian Flux
Brentacre
Van Quote Direct | Specialist Van Insurance Brokers
Go compare

Cheers

 

[janobi]

4 years it stays on the license, and 5 years and it's clear.

Also technically you dont have to admit to any offences, they only count if/when you have an accident.

 

[JonMMM]

4 years it stays on the license, and 5 years and it's clear.

Also technically you dont have to admit to any offences, they only count if/when you have an accident.

That is all wrong, DR10 stays on your licence for 11 years after you get it back, and if you do not admit offences before they are spent or removed from licence in the time frame that the insurance company ask for then the insurance is invalid

 

[janobi]

That is all wrong, DR10 stays on your licence for 11 years after you get it back, and if you do not admit offences before they are spent or removed from licence in the time frame that the insurance company ask for then the insurance is invalid

IDK what DR10 is, but some will stay longer than others.

I know for a fact that people dont always declare convictions. I used to work for Admiral many moons ago, and the amount of people that didn't admit stuff was mental. When an accident happens, part of the check by the insurance is to contact the DVLA to check convictions etc, only reason this is done is to either try and void the insurance, or pay out less money because of an undeclared conviction.

So my post was/is still correct. As I stated "Technically", im not saying dont declare, I am merely saying you can get away with it, and many many people do. I also know that your insurance premiums will go up more for a non fault accident than they do for a fault accident. Reason for this is psychology, and people thinking they're better drivers than when they're not.

 

[JonMMM]

IDK what DR10 is, but some will stay longer than others.

I know for a fact that people dont always declare convictions. I used to work for Admiral many moons ago, and the amount of people that didn't admit stuff was mental. When an accident happens, part of the check by the insurance is to contact the DVLA to check convictions etc, only reason this is done is to either try and void the insurance, or pay out less money because of an undeclared conviction.

So my post was/is still correct. As I stated "Technically", im not saying dont declare, I am merely saying you can get away with it, and many many people do. I also know that your insurance premiums will go up more for a non fault accident than they do for a fault accident. Reason for this is psychology, and people thinking they're better drivers than when they're not.

DR10 is Drink Driving which is what the thread is about, and as you say if you lie about convictions, if an accident happens you will be found out the insurance will be voided, you will be put on a list that shows you have had insurance voided which is shared between all insurance companies which means you can never get insurance again. Depending on the accident you will be prosecuted for driving without insurance and fraud. If the accident is criminal and anyone is hurt the judge will look at the fact that you committed fraud to get insurance and the sentence will be a lot harder.

Yes its possible to do like its possible to cross a busy road blindfolded but is it sensible?

 

[nara]

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This!

 

[nara]

DR10 is Drink Driving which is what the thread is about, and as you say if you lie about convictions, if an accident happens you will be found out the insurance will be voided, you will be put on a list that shows you have had insurance voided which is shared between all insurance companies which means you can never get insurance again. Depending on the accident you will be prosecuted for driving without insurance and fraud. If the accident is criminal and anyone is hurt the judge will look at the fact that you committed fraud to get insurance and the sentence will be a lot harder.

Yes its possible to do like its possible to cross a busy road blindfolded but is it sensible?

/\/\/\/\/\/\
This!