Dd Car Then Car Insurance

[coldstream-1971]

dd car insurance a colleague was convicted of drink driving last christmas, he has done the drink-driving course and says in five months time he'll be back on road he thinks that his protected 9 years protected no claims insurance still is applicable I've told him due to the DD conviction he's lost his NCB.He won't believe me
Can anybody give me any guidance on this issue

[bhg481]

I don't see why he should lose his No Claims Bonus as he hasn't made a claim. His insurance will, however, almost certainly be heavily loaded.

[New Judge]

I think you'll find it's a no claims discount, not a no convictions discount.

Having said that, they will load his premium considerably for an Excess Alcohol offence and in reality he'll probably be just as badly off as if he had lost his no claims discount.

[coldstream-1971]

I myself am of the opinion once a driver gets a dd conviction then they should never be allowed on the road again (only on a bicycle). I am probably alone in this point of view.

[douglas9401]

Or just alone.

[New Judge]

I don't think you're alone at all, coldstream.

Personally I would allow a drink-driver one chance to reform (getting very liberal!) but a second offence would see a lifetime ban.

As an aside it is very, very unusual for a driver to be banned (for any offence) for life. In fact, a disqualification of five years is unusual and a ban of longer than that very unusual indeed.

[ToraToraTora]

It's still applicable but it will be protecting his old premium not the considerably nigher post DD premium. Expect a huge rise.

[ToraToraTora]

DD is pretty bad but the new kid on the block is much worse, texting.