I am 65 and after 44 years without any offence I was banned for 12 months, reduced to 9, being just over the limit. I was fined £100 and am due to recover my licence in 8 weeks. Quotes seem not too bad, but I read a newspaper article which said you were warning of insurers refusing to cover cases such as mine. Is that true, as the quotes I have received, after giving all the information re. my offence, bely this?

It is quite true that some companies will refuse to insure convicted drink-drivers and those companies that will offer cover will often load the premiums. I suppose it depends on what you think is "not too bad". Also, as a drink driving conviction is an endorsement on your licence for 11 years the increased premiums will add up.

alfred43:I am 65 and after 44 years without any offence I was banned for 12 months, reduced to 9, being just over the limit. I was fined £100 and am due to recover my licence in 8 weeks. Quotes seem not too bad, but I read a newspaper article which said you were warning of insurers refusing to cover cases such as mine. Is that true, as the quotes I have received, after giving all the information re. my offence, bely this?

Hi Alfred,

As per the previous post, some insurers do not wish to insure this type of risk as the Insured party is a high moral hazard. However, if you have input everything correctly onto the website, then it should have loaded for this accordingly.

The insurance premiums for convicted drink-drivers are never as much as they should be. If I were the one making decisions I would work out the normal rate and additionally apply a figure equal to that figure placed on a life, usually £10,000 as a whole one unit.

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Coyote

Thanks Coyote----There is an old saying that "there but for the grace of God go I".As I said it was my first transgrssion in 40 years,it was a misjudgement of what I had been given to drink,was just over the limit,and I was not stopped re. my driving but asked on arrival at home to clear up a query about insurance which was easily done..I accept my punishment re fine, disqualification,and damage to my own and my families reputation, and the increased insurance premium. I only asked re. what that might be and thus regret your damning indictment and apparent righteousness.I can only weep at my "high moral hazard" and hope you can avoid any accidental fall from your pedestal.

alfred43:Thanks Coyote----There is an old saying that "there but for the grace of God go I".As I said it was my first transgrssion in 40 years,it was a misjudgement of what I had been given to drink,was just over the limit,and I was not stopped re. my driving but asked on arrival at home to clear up a query about insurance which was easily done..I accept my punishment re fine, disqualification,and damage to my own and my families reputation, and the increased insurance premium. I only asked re. what that might be and thus regret your damning indictment and apparent righteousness.I can only weep at my "high moral hazard" and hope you can avoid any accidental fall from your pedestal.

I'm not righteous at all, it just so happens that a close friend of mine lost their life due to a drink driver who was also 'just over the limit'. Your tone of type says it all. Your blatant disrespect is shown by not only your sarcasm but by the fact that you drove a vehicle knowingly having a drink prior to the event. I'm not interested in how many 'transgressions' within 40 years. Whether you were slightly over the limit or ten times over the limit is completely irrelevant. That's my opinion. If you want to lump it, then do so. The elderly generation always seem to bear a large chip on their shoulders so it's to be expected.

There's also an old saying that goes "Respect your elders". Hmm. I'm not surprised people do not live by that saying if they don't set a good example for the young generation to look upto and respect.

Carry on weeping at being a moral hazard. I will avoid an accidental fall from my pedestal as long as you promise to keep dodging those coffins you're close to hitting.

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Coyote

Good evening alfred43.

The situation you find yourself in I won't comment on. Yes some insurance companies will not offer to cover you and some will loading the premiums you pay as they deem your 'risk'- just be careful to input exact details on line if thats how you will renew your cover. May I offer you a insurance broker that may help if you're not having much luck and worth a look if nothing else;

www.adrianflux.co.uk

Regards,

Paul

You should be ashamed, just over or not. I hope your family and loved ones never become a victim of a man with such little respet for others as yourself.

Shanks