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Discussion Starter #1 (Edited)
Reasonably cheap insurance for convicted drivers

does anyone know of or dealt with any insurance companies that are good when it comes to young drivers with convictions? thanks
 

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I don't think the words cheap insurance and convicted drivers go too well buddy :(

I have 3 points and I'm with Churchill. Barely added anything to me premium as far as I remember.
 

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Discussion Starter #3
ye i suppose when i said cheap i meant reasonable lol my insurance got cancelled last year when i had my e36 IS and 2 days later i got pulled, car got crushed but ended up with no points as i went to the magistrates and plead guilty and gave my side of the story, just got the in10 conviction code and a £200 fine as it was partly the insurance companies fault and mine.
 

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Cancelled insurance and IN10 code is going to mean megabucks. Don't bother with comparison sites as either they won't quote or will start at £5000 plus. I would try a broker that specializes in convictions.
You might have to drive something around 850cc for a year to get some history. Sorry to say a BMW is going to cost you a mortgage to insure.
 

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Discussion Starter #5
ye i know not even attempting to insure the e30 thinking about keeping the chipped ecu and exhaust etc and selling up for now, just bought a 94 1.1 punto not out of choice it was £50 quid just needs insurance and tax cheapest quote i found is 1350 but company keep messing me about saying they will call back but they dont
 

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You're lucky to be offered any insurance at all!

Young and convicted are bad enough, but an in10 rings real alarm bells with insurance companies.
 

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car got crushed
NOOOOOOOO!!! Police should outta stick new licence plates on ceased cars and sell it at auctions or something. That way, at least the police force will get some kind of extra income and good cars gone to a good home.
 

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You're lucky to be offered any insurance at all!

Young and convicted are bad enough, but an in10 rings real alarm bells with insurance companies.
Yes, for good reason.

To be fair they sound like they're doing us a favour :rofl
 

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Why did your insurance get cancelled? Did you commit another offence? How old are you by the way? A friend of mine got caught with no insurance, got 6 points had to retake his licence and he got insurance again on his 1.4 Golf, but he was a named driver and still is (at 21).
 

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Discussion Starter #10
Yes, for good reason.

To be fair they sound like they're doing us a favour :rofl
how are they doing you a favour? i dont know if im getting the wrong end of the stick and correct me if im wrong but i dont condone driving uninsured at never intended to.

there was no other offence commited

my insurance got cancelled because i went away and missed a payment on my policy and only got given 7 days to pay it as my policy was due to end so it was also the final payment, i went to the magistrates and pleaded guilty but also gave my side of the story to which they agreed that it was a genuine mistake by bo but an offence that could not be ignored so i was only given the in10 offence code 14 day disqualification and a £185 fine, im 22 and only been driving just under 3 years
 

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You should be able to get insurance at a reasonable price on a punto. Try a specialist in convicted drivers (google), but give Admiral a go as well.
I wouldn't have thought it would have risen up to £1350 for a punto though (I am younger than you and have never paid that for insurance). Keep hunting for insurance is all you can really do, you can't really get a smaller car as you have already said you have a Punto. You have been unfortunate, broken the law and got caught. You have to take the punishment for the crime.

Best of luck.
 

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Most people (the vast, vast majority) have never and will never have an insurance policy cancelled on them. The only reason for it happening is either they were lied to when the policy was taken out, or it hasn't been paid.

'Honest mistake' or not, the outcome if you'd had an accident is the same as it would be if you were a habitual non-insured driver.

Not much sympathy here. If you've only been driving for 4 years and already made this 'honest mistake', how many more are to come? Substantially fewer I suspect since the DVLA have now given you something to remind you to keep paying the premium.
 

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I think there is a mix up between canceled and declined insurance. They are completely different things. OP got pulled for driving with no insurance, period. He was never declined insurance.
 

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Discussion Starter #14
Most people (the vast, vast majority) have never and will never have an insurance policy cancelled on them. The only reason for it happening is either they were lied to when the policy was taken out, or it hasn't been paid.

'Honest mistake' or not, the outcome if you'd had an accident is the same as it would be if you were a habitual non-insured driver.

Not much sympathy here. If you've only been driving for 4 years and already made this 'honest mistake', how many more are to come? Substantially fewer I suspect since the DVLA have now given you something to remind you to keep paying the premium.

like i said i missed the final payment and was only given 7 days to pay it otherwise i would have payed it, not looking for your sympathy so don't bother getting all hostile and start stereotyping me because of a mistake which i have paid the price for, if things like this upset im sorry but you shouldn't comment on them
 

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Not sure why everyone is being so negative towards you.sounds like an honest mistake and a big price to pay for it. You have my sympathy and I hope you can get a half decent quote for the punto. I'm 22, have never had any convictions, been driving 3.5 years an my insurance is still close to £1000 :(
 

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my insurance got cancelled last year when i had my e36 IS and 2 days later i got pulled, car got crushed but ended up with no points as i went to the magistrates and plead guilty and gave my side of the story, just got the in10 conviction code and a £200 fine as it was partly the insurance companies fault and mine.
You have written here that your insurance was cancelled and then two days later you were pulled over. This would mean that you knew your car insurance was cancelled, therefore your car had no cover and two days after you drove on the public roads knowing you didn't have insurance.

Do correct me if I am wrong, but driving without insurance and knowing you aren't covered will anger a lot of people. I recently spoke to my insurance about my renewal and I had to phone around for a whole day as some places said they wouldn't insure me because recently BMWs have been making the highest claims.

Try Admiral and see how much the conviction is actually adding to the price of your premium. Then phone up a specialist in convicted drivers. Worst case you might even need one of those boxes fitted.
 

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You have written here that your insurance was cancelled and then two days later you were pulled over. This would mean that you knew your car insurance was cancelled, therefore your car had no cover and two days after you drove on the public roads knowing you didn't have insurance.

Do correct me if I am wrong, but driving without insurance and knowing you aren't covered will anger a lot of people. I recently spoke to my insurance about my renewal and I had to phone around for a whole day as some places said they wouldn't insure me because recently BMWs have been making the highest claims.

Try Admiral and see how much the conviction is actually adding to the price of your premium. Then phone up a specialist in convicted drivers. Worst case you might even need one of those boxes fitted.
Sorry, I missed the part where it was cancelled and you were pulled over two days later...
 

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Discussion Starter #19
probably didnt explain it that well, i still had my car insurance details sent to my mums at the time and used pick it up every weekend, i had only been back 2 days and the second day i was caught, after i eventually got home i went to my mums to find they had sent me a letter saying payment has not been received please pay within 7 days, but at the time this letter was sent out i wasnt even in the country. the insurance had been cancelled the day before i went back to work so i didnt even know that i had been uninsured on my first day back to work driving from worthing to haywards heath, it was on the second day uninsured that i got pulled over. i realise i should have checked all this before i went back to work and everything and i paid the price paid the fine and now just trying to deal with it, like someone has already said i made this post asking for help hoping that someone may have found experienced similar problems
 

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This is really unfortunate, there are many things which could have been done/checked and from what you have said you seem to have made an honest mistake. I think you have a good idea of what others think of uninsured drivers, and you cannot blame them.

Anyway it has happened and you need insurance before driving again. I had a quick google and this came up (hope I can put the link here to help).

Car Insurance IN10 - Insurance for drivers with an IN10 conviction

These people might have some better advice for you in your situation as they deal with drivers with IN10 convictions. On money saving expert there are similar topics, however there is a similar response that insurance companies don't want to touch people with an IN10 conviction.
 
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