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Society & Culture1 min ago
Car insurance in Spain with DR10
I am finding it difficult to insure a Spanish car after my DR10 conviction. We travel to and fro to Spain where we have a house and 2 cars and have had 1 claim between us in 25 combined years (parking accident). Also my UK insurance and NCB were not affected, and my premium did not go up either. Why is there a problem in Spain? My husband's car is any driver over 30 insurance, so could he insure mine and I drive as any driver? I have no points on my licence, was under 50 on the breath test and lost my licence for 9 months instead of a year because I completed an Alcohol Awareness Course. I was not in an accident, but spot checked after leaving the golf club after 2 glasses of wine, unaware that the measure size had been increased. Now zero alcohol is the only safe way.
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You must have points on your licence as you got a Drink drive ban for 12 months (the drink awareness course just lets you drive earlier the ban will still be recorded as 12 months) A ban puts 12 points on your licence but 2 are removed after a year so you still have 10 points.
If your uk insurance did not go up substantially there is something wrong , are you absolutely certain you told the insurance you had been banned for drink driving ???
The NCB would not be effected but the basic premium before the NCB will have shot up. You can not drive on your husbands insurance unless he tells them that a previously banned driver will be using the car. All policies have a clause whereby the insurance co MUST be told if anyone who may be driving has been banned or has points.
The Spanish insurance is just looking at your DD conviction and acting accordingly, your UK insurance will be the same if you tell them of the DD ban.
Also you say you were 50 on the breath test after 2 glasses of wine ! , sorry I find that very hard to believe ! The breath test limit is 35, so 50 is a LOT over, 2 pub large wine glasses are 175 ml each or 125ml for a small glass you can drink two small glasses and still be under the limit. An extra 50ml of wine will not put your breath test up to 50.
Sorry, but too much of this story just does not add up !
The one thing I find totally inexplicable is that you say your insurance did not go up ! Even for drivers with a perfect record insurance has gone up by at least 30% this year.
If your uk insurance did not go up substantially there is something wrong , are you absolutely certain you told the insurance you had been banned for drink driving ???
The NCB would not be effected but the basic premium before the NCB will have shot up. You can not drive on your husbands insurance unless he tells them that a previously banned driver will be using the car. All policies have a clause whereby the insurance co MUST be told if anyone who may be driving has been banned or has points.
The Spanish insurance is just looking at your DD conviction and acting accordingly, your UK insurance will be the same if you tell them of the DD ban.
Also you say you were 50 on the breath test after 2 glasses of wine ! , sorry I find that very hard to believe ! The breath test limit is 35, so 50 is a LOT over, 2 pub large wine glasses are 175 ml each or 125ml for a small glass you can drink two small glasses and still be under the limit. An extra 50ml of wine will not put your breath test up to 50.
Sorry, but too much of this story just does not add up !
The one thing I find totally inexplicable is that you say your insurance did not go up ! Even for drivers with a perfect record insurance has gone up by at least 30% this year.
Still no reply from DALOW , I think she has not got the answer she wanted to get.
DALOW if you are driving without making sure your insurance company know you have a DD ban you are commiting a serious offence and any insurance you have is void , you wil have to pay all cost of an accident yourself which could be in the £10,000 s, in addition you can be convicted of insurance fraud which is a possible prison sentence.
DALOW if you are driving without making sure your insurance company know you have a DD ban you are commiting a serious offence and any insurance you have is void , you wil have to pay all cost of an accident yourself which could be in the £10,000 s, in addition you can be convicted of insurance fraud which is a possible prison sentence.
Just wanted to point out to TheShakeperian that it is certainly possible to receive a ban for drink-driving without getting points on your licence. It happened to me when I was done for a blood reading of 79 (39 breath equivalent). Like DALOW I got a 12 month ban, reduced to 9 for taking the DD awareness course, a minimal fine and NO points.
Yes, Shakeperian, you are absolutely incorrect with your view of points and disqualification.
Any offence with carries an endorsement and a discretionary disqualification (such as speeding) attracts either points or a disqualification. Both cannot be imposed for a single offence. Offences which carry a mandatory disqualification (such as driving with excess alcohol) attract the mandatory disqualification but no points. There is no “points equivalent” for a disqualification. The two are entirely unrelated.
Penalty points are designed to punish by way of a disqualification drivers who commit a series (at least two and at most four) minor offences within three years, where any one of them would not normally attract a disqualification by itself.
I, too, find some aspects of your problem a little hard to understand, DAROW. I cannot imagine how your insurance has not increased. Of course your NCD will not have been affected as you did not make a claim. But as Shakeperian says, almost all policies have increased considerably this year. Declaring an Excess Alcohol conviction will certainly add to that increase. As far as driving on your husband’s policy goes, you must tell me where he got his insurance. Virtually no insurers offer ordinary motorists an “any driver” policy now. They want to know the driving history of anybody who is likely to be driving the vehicles they insure. As far as the details of your conviction go they are not recorded on your driving record. You have a conviction for Excess Alcohol, and that is that.
Any offence with carries an endorsement and a discretionary disqualification (such as speeding) attracts either points or a disqualification. Both cannot be imposed for a single offence. Offences which carry a mandatory disqualification (such as driving with excess alcohol) attract the mandatory disqualification but no points. There is no “points equivalent” for a disqualification. The two are entirely unrelated.
Penalty points are designed to punish by way of a disqualification drivers who commit a series (at least two and at most four) minor offences within three years, where any one of them would not normally attract a disqualification by itself.
I, too, find some aspects of your problem a little hard to understand, DAROW. I cannot imagine how your insurance has not increased. Of course your NCD will not have been affected as you did not make a claim. But as Shakeperian says, almost all policies have increased considerably this year. Declaring an Excess Alcohol conviction will certainly add to that increase. As far as driving on your husband’s policy goes, you must tell me where he got his insurance. Virtually no insurers offer ordinary motorists an “any driver” policy now. They want to know the driving history of anybody who is likely to be driving the vehicles they insure. As far as the details of your conviction go they are not recorded on your driving record. You have a conviction for Excess Alcohol, and that is that.
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