I think it is so unfair to hype up the premium.
2007-08-25 23:00:58 · 10 answers · asked by BRIAN D 1 in Cars & Transportation ➔ Insurance & Registration
You cant and I dont think that you should. Putting your own life in jepordy is one thing but you put other innocent people aswell.
My best lost his father aged 7 and his mother aged 21 both due to RTA's involving drink drivers. How would you feel if you lost a member of your family? Hopefully the increase in your premiums will make you think twice everytime you pay it!
Personally the most I've ever drank whilst driving is half a bottle of Becks with a meal.
Usually I don't agree with everyone on here being on their high horse and telling people off who are seeking advice but with your attitude you deserve everything you get.
2007-08-26 09:58:29 · answer #1 · answered by lizzybee 3 · 0⤊ 1⤋
Depends, do you plan on drinking and driving again?
If the answer is yes, then maybe you should consider not driving and putting the money you save on a car and insurance towards rehab, if you have resolved to clean up your act and are not going to put others in peril through you own irresponsibility then I'm sorry to say you will probably just have to tough it out for a while paying high premiums until a few years have passed. Look into Carpooling, Public transportation, bicycling, or even a small motorcycle that may have lower limits of liability.....
but the bottom line is, if you still drink and you think you may drive after you are intoxicated, then you have bigger problems than your insurance rates and you should get some help.
2007-08-25 23:37:26 · answer #2 · answered by Corvair1966 2 · 0⤊ 0⤋
Your best bet would be to pop into your local insurance broker - they have several companies that will offer cover to people with drink driving convictions.
It is not unfair to hype up the premium - apart from the social stigma of driving under the influence, you have willingly gone out to drive the vehicle when you knew (or it did not concern you) that you were in no fit state to do so - hence increased your chance of having an accident and injuring/ killing someone. This is a poor moral hazard to insurance companies.
Think yourself lucky! In the 1980s a DR10 was at least a 100% premium loading and an additional excess - now someone like Fortis will treat it much more leniently!
2007-08-26 07:24:35 · answer #3 · answered by welcome news 6 · 1⤊ 0⤋
It is worth searching around, some will even let you carry over any no claims discount after 2 years of not driving! The premiums will gradually fall over the next few years. Perhaps it is worth getting a cheap small runaround for a year or so to build up your no claims and this will obviously be cheaper to insure anyway.
I would go into an insurance brokers and discuss your options, I managed to sign up with one company for a couple of days at a very high rate but this re-activated my NCD and was then able to transfer to a cheaper deal!
2007-08-28 21:26:45 · answer #4 · answered by Andrea B 2 · 1⤊ 0⤋
You are a bigger risk.
its going to be expensive so save lives and just dont drive.
what is really unfair is to be called to the hospital to indentify your loved ones dead body or come see your loved one in critical condition.
there are some things that you can not put a price tag on.
like human life.
you are an idiot to say that is unfair. everyone who gets dui has to pay the high risk insurance.
paying a lot for insurance is a minor inconvienence.
have you ever priced a funeral service. or taken care of somebody who is paralyzed for life.
2007-08-28 19:17:19 · answer #5 · answered by Connor 2 · 0⤊ 0⤋
Cheap car insurance........mate to be honest your car insurance should be so high that you cant afford it. Drink driving is just pure insanity that can & does cost lives.
2007-08-26 10:06:47 · answer #6 · answered by spacedoutangel 2 · 0⤊ 0⤋
You will need to send your new insurer a proof of your no claims bonus or named driving experience for your insurance certificate.
Your previous insurer would have sent details of your no claims bonus to you with your renewal offer. If you do not have this you will need to contact your previous insurer and request another copy of it.
Good luck
Johnnie
2014-08-27 11:27:56 · answer #7 · answered by Anonymous · 0⤊ 0⤋
I don't think you can
The problem is drink drivers tend to re-offend (not all probably a small minority) and therefore considered a high risk to insurance companies.
2007-08-26 01:27:13 · answer #8 · answered by WelshLad 7 · 0⤊ 0⤋
Course it's fair - people tend to repeat their behaviour, so you have an increased likeyhood of doing it again.
Try Saudi arabia - drink driving is not against the law there, as it doesn't exist.
2007-08-25 23:07:46 · answer #9 · answered by ffordcash 5 · 1⤊ 0⤋
I think it's so unfair that you want to put the lives of innocent people in your hands as if you've got some right to.
Anyway.
Call around. You'll find someone.
2007-08-26 09:30:32 · answer #10 · answered by Miss Meli 3 · 0⤊ 0⤋