gices

Member since : 18 Apr 2008
Last login : 20 Jun 2013 05:33
Level : 3
Points : 1384

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hi i got banned for drink driving seven years ago im trying to get insurance and it only asked me for driving offences for the last 5 years

As most insurance companies ask for convictions in the last 5 years, you're right not to state a conviction which happened before that time period. However for some convictions, the penalty points stay on the licence for a longer period, so you may have to disclose that bit of information if they ask you whether you have any points on your licence.



Pat_Wilkins | 07 Jun 2013 12:22
i got convicted death by careless driving got 4 year ban 300hours community service resit test can a claim licence back done 2 years in ban

It's up to the discretion of the magistrate to give the licence back to you early and you'll need to have supporting evidence on why you need it before the ban ends.



Michael_Mcgeechan | 07 Jun 2013 12:20
if i take car insurance out would my grandaughter be able to drive my car she is 21 next month

That depends on many things:

  1. Does she have a valid licence
  2. Will you be adding her as a named driver on your policy
  3. What type of cover will you be getting for your car (comprehensive or third party)


Colin_Hilton | 07 Jun 2013 12:18
I'm disqualified & my vehicle has been seized, can I get insurance?

You may be able to get insurance coverage but it might be expensive. Try the following companies which specialise in impounded car insurance:

  1. Quentin Jones Insurance
  2. Alternative Insurance Brokers
  3. Insurance Choice

Give them a call and explain your situation to them but be prepared as they may refuse to take you on as you don't have a valid licence or they may ask you to get an annual policy instead of short term car insurance.

Let me know if you have any luck with the companies above afterwards.



lenihan14 | 24 May 2013 10:09
Need 30 day car insurance but not registered keeper?

Have you been declined a quote?



foster | 26 Apr 2013 12:43
After having bloods taken at my doctors how long does it take for the DVLA to send back my licence if I have passed the medical?

It normally takes 2 weeks to get your results, and the doctor would then inform DVLA which would take another 2 weeks to process the information. So you're looking on average about 1 month, but sometimes you may get it sooner.



colshell | 26 Apr 2013 12:43
Can I teach someone to drive if I have been disqualified before?

To supervise a learner, you need to satisfy the 2 conditions below:

  1. You need to be over 21 years old
  2. You need to have held a valid driving licence for at least 3 years

So you do not have a problem with the age restriction. For the second condition, we can break it into 2 parts. The first one is about having a valid licence which you do because your driving ban has been lifted as it has already expired 2 years back. The second one is about having held a licence for at least 3 years and you've had yours since 2007, which is 6 years now. Even though you've been disqualified for an amount of time during which you had your license, you still had your licence since you passed the test and therefore you meet all the criteria to be able to supervise a learner.

The only exception would be if you've had to resit your driving test as part of the ban which the court imposed on you and under those circumstances, the length for holding a licence would be counted as from when you passed the extended practical test.

So to cut it short, yes you can teach your sister-in-law how to drive.



Tom_Hodder | 26 Apr 2013 12:39
Can you teach someone to drive if you have penalty points?

You may have points on your licence but as long as you're not disqualified from driving, you're allowed to supervise a learner. So check whether you've not reached 12 points already through the totting up procedure and if you're a new driver, it's 6 points instead. If you're been convicted by a court, they may have suspended your licence as well, therefore confirm you've got a valid license and you'll be all good to teach the learner.

Note : You must be over 21 and have held the licence for at least 3 years.



pugoff | 25 Apr 2013 17:43
How long do I have to wait till I can sit next to learner driver after a drink driving ban?

The supervising driver does not necessarily need to be insured, unless he takes control of the car. So as long as the learner has got insurance, you're fine.



emry | 25 Apr 2013 17:31
our policy document- i am down as registered keeper- but husband is- i had accident help

What's worrying you is the fact you're not the registered keeper but your husband is, right? But on your insurance documents, you've put yourself as the keeper of the vehicle. If that's the case, then the insurance company can try to make things harder with your claim because of incorrect information supplied but I doubt they are allowed to reject your claim and invalidate your insurance just for that reason.



devonvalley | 12 Apr 2013 20:24
our policy document- i am down as registered keeper- but husband is- i had accident help

I did not understand fully what you said above. So let's clear the confusion:

  1. On the insurance policy, who is the main driver?
  2. On the registration certificate for DVLA, who is the registered keeper?


devonvalley | 12 Apr 2013 17:58
Where to get insurance for wheelchair adapted vehicle for non-disabled drivers?

The mainstream insurers will increase the premiums significantly for such modifications, so you will have to contact specialist companies such as:

Have you already contacted the 2 above? As far as I know, the motability scheme allows you to name a driver on your insurance, so the disabled driver does not need to have a licence himself. Is your son not registered for this scheme?



Adele_Fletcher | 12 Apr 2013 17:54
Will my licence be taken away if I do not change address?

Are you referring to the address on your driving licence or the car insurance policy?



Sharon_Miles | 09 Apr 2013 13:22
I had an accident in my van but unknowingly I was not the registered keeper at the time, is my insurance valid?

So if I understand correctly, when you got insurance for the van, you listed yourself as the registered keeper but now you found out that was not the case, right?

If the Road Traffic Accident (RTA) was your fault, then you might land in trouble with the insurance company as they will try to reject your claim by saying you supplied the wrong information for your policy.

How about asking your boss to make you the registered keeper straight away. Within 2 weeks, the changes will be updated by DVLA and hopefully, when the insurer by the time the insurer makes the check, you would already be listed as the keeper of the van. Otherwise open up to them and say your boss forgot to make the changes and that was not intentional. You can show them proof the vehicle is owned by the company you work for and send them a letter written by your boss explaining the problem.



anonymous | 08 Apr 2013 10:50
Import car from UK to Mauritius

You can get a concession as a returning resident and the excise duty will be 15%. However when I enquired about this in May 2010 when I visited Mauritius, customs told me that you cannot import a car which is more than 3 years old. So I doubt they will accept your toyoya since it's 7 years old. Note that the vehicle will be valued once it gets to Mauritius and 15% excise duty will be levied on it and 15% VAT will be applicable on the total as well.



Avinash | 08 Apr 2013 09:18
How can i find out the registered keeper of a vehicle by just a registration number plate please?

With the Vehicle Data Check, you get only details about the vehicle. To get the name of the registered keeper, you will need to contact DVLA as described above in my answer.



Marg | 08 Apr 2013 08:06
Red light at roundabout

I'm not sure about Scotland because some laws are different but in England, there are many places where that's in operation. They have the traffic lights camera at busy junctions which flashes when a driver goes through a red light. This is used as evidence to issue you a fixed penalty notice and you may incur points on your licence as well for that offence.



Douglas1234 | 08 Apr 2013 07:58
I am on my son's car loan as a cosigner. Can he get car insurance on his own?

Who is the registered keeper? You or him?



Carole_Christensen | 28 Mar 2013 07:50
I drove into a colleague's car at work with a forklift am i liable for any damage?

If your job involves operating a forklift and while doing your job this happened, then it's the employer who would be liable, not you.

Now a "Park at your own risk" sign does not necessarily immune someone from their responsibility. However in your case, the sign is there to draw attention that the area may be unsafe and by parking there you're assuming that risk. So in that line of thinking, I think your employer's liability can be disputed.

Note that I'm not a lawyer by any means and what I said above is just my opinion based on the facts you provided.



Erik_Hollander | 26 Mar 2013 11:41
Nothing to show at the moment
Foreign drivers can get temporary car insurance now

Thanks for sharing that info.



gices | 12 Apr 2013 18:09
Top 10 complaints against driving instructors

Although there are many great instructors out there, there are also many bogus ones operating too. The aim of this article is to raise awareness for learners.

Sure different people learn at different rates, some are quick to grasp new concepts while others take more time. However many have found that after doing say 100 hours with an instructor and still being denied to take the test, they were being led on.

Similarly, some instructors were intentionally impeding the learning cycle of many by constantly asking to do the same thing over and over again.

I agree a good instructor will know when someone is ready to take their tests or when they are ready to learn something new, but mind you that there are many money minded instructors teaching too and prevention is better than cure...



gices | 02 Sep 2012 09:20
Learner Driver Insurance

Assuming the person meets the eligibility criteria to supervise a learner, he does not necessarily need to be insured on the vehicle himself.

However, not all insurers who insure provisional drivers allow them to use the car for the driving test. It is in your brother's best interest to check whether this exclusion is written in the car insurance documents.



gices | 23 Aug 2012 13:33
Learner Driver Insurance

No, please check the FAQ.



gices | 23 Aug 2012 13:30
Driving Without Licence

The first time you were charged with a DR10. What about the second time? Was it BA10 (driving whilst disqualified by court) or LC20 (driving otherwise than in accordance with a licence)? Different motoring offences will impact your premiums and eligibility for cover differently.



gices | 23 Aug 2012 09:33
Surrendering your driving licence

You said you have just been told to surrender your driving licence - by whom?

Normally the court which sentences you retains your driving licence and then sends it to the DVLA with details of your ban. It is surprisingly that you were not asked to hand over your licence at that time. So the best thing for you to do is contact the court where you were sentenced and ask them what you should do. You can also try the DVLA if you cannot get in touch with the court.

One other thing - you should inform your insurance company of your driving ban (just in case you haven't done so)



gices | 10 Jul 2012 15:04
Driveaway insurance

I understand that you could not find any temp insurance cover for yourself because of your age and the shortest period of insurance that you can get is for 1 month with eCar. However, I think it is best if you ask your parents or any friend who is at least 21 to get a short term insurance for driving your car from the dealer. It would cost them around £10 to do that thereby making you a huge saving. You can then give Statutory Off Road Notification (SORN) for your vehicle as you planned and when you're ready to drive it, get a proper annual car insurance.



gices | 10 Jul 2012 14:32
Driving Theory Test

To be able to book your theory test, you will need to have your provisional driving licence at hand. Since you can apply for your provisional licence 2 months before you are 17, you are thus able to book the driving theory test as soon are you get hold of the provisional.



gices | 10 Jul 2012 13:58
Change Address on Driving Licence - Why Should You Do It?

You will need to contact DVLA and ask them whether they have already sent out your new licence. If they have and you still have access to your old house (or knows the person currently living there), it may be easier for you to go there and fetch it. However you will need to send it back so that your new address is listed on the driving licence.

If DVLA hasn't sent it out yet, then you can inform them of your new address. They will probably ask you to send a utility bill or something similar to confirm your identity along with the new address.



gices | 10 Jul 2012 13:24
Cancelling your car insurance when you no longer need it

Most insurance companies have a cooling off period of 14-28 days where you can cancel your insurance contract. If that does not apply in your brother's situation, then he can always contact the insurance company and inform them about his driving ban. They will surely understand that since he will not be allowed to drive, he does not need the insurance cover anymore.

Some insurers may charge an administration fee for this along with however many days insurance cover they provided until they were informed of the change in circumstances.



gices | 10 Jul 2012 13:21
Policy holder, registered keeper and legal owner of vehicle

Since you have been putting money in your wife's bank account to pay for the car finance, it will seem that she has been paying it instead of you. As the registered keeper, you do not have any legal rights on the car and you should consider taking your name off it because any speeding tickets/parking fines incurred by whoever is driving the car at the moment, will be sent to you.

If you can prove that you've been putting money in the bank for the purpose of paying the car finance, then you will stand a ground to win back the car but you will have to show proof that you've been putting money regularly (every month perhaps and a fixed sum to cover the loan payments). You should seek professional advice on this matter though.



gices | 10 Jul 2012 13:06
How early can I get my licence back after driving ban?

It's up to the court to refer you onto the course.



gices | 03 Jul 2012 17:36
The non drip petrol nozzle invention - A joke or a necessity?

Instead of wasting money on such things, the fuel companies could start an awareness campaign to educate drivers how much petrol is being lost and what could be done to prevent this. Why not put up a few stickers next to the petrol pumps to show that you need to wait a few seconds and shake the pump before removing it? This would be better than buying this non drip nozzle in my opinion.



Jasmine | 02 Jul 2012 08:35
10 best selling cars in the UK for 2012

Good to see the Nissan Qashqai in the list because it's a very reliable and beautiful car.

Even when times are tough, the right advertising campaign can entice people to spend money they don't have. I suppose in this case, it's those juicy incentives which look like such a good deal that you can't miss.



Jasmine | 02 Jul 2012 08:17
Cars that are more likely to fail their first MOT test

Interesting find! You would think that a car on which you have spent thousands will not give you any headache for at least 5 years but no, after 3 years you get to find that it's in bad shape. For those who've been looking after the car well, keeping it in good condition and maintaining it throughout the year, it's very sad and I think the manufacturers need to do more about this. People usually keep their cars for at least five years I would say before getting another one, so the minimum hassle-free period should be this much.



Jasmine | 02 Jul 2012 08:12
Petrol pump attendants are back!

It's a nice feeling to sit in your car and having someone else taking care of replenishing your tank; it actually prevents you from thinking how you're being ripped off with the rising costs of fuel these days.

For many, checking tyre pressure and oil levels can be a problem. So if Shell is planning on offering these services for free, I'm sure many people will be visiting their petrol stations instead of others. It's always the one with the better customer service that wins.



Jasmine | 02 Jul 2012 08:06
Audi e-bike - The electric bicycle that can travel at 50mph with lots of gadgets

Too many gadgets in my opinion - the beauty of the bicycle lies in its simplicity. I picture a nice green landscape (mountains/park) when I think of riding a bicycle and this futuristic e-bike ruins the picture for me. Okay, bicycles are good for commuting as well but even then you don't need all these fancy technology. It's going to be the target for thieves without a doubt. Will you park this bike that just cost you a fortune on the streets? I don't think so!



Jasmine | 02 Jul 2012 08:01
The breathalyser is now part of the mandatory driving kit for France

Maybe those who like to be on the safe side will buy the breathalyser kit but many will simply chance it and others may just forget. I suppose there would be signs at Dover in UK or Calais in France to remind you what's necessary for driving in France, otherwise people who are not up to date with the news will not know what is expected of them.

I'm not sure how many checks will be carried out on the roads but a fine of £9, which will probably be on the spot, is not a lot of money but it's better to comply with the laws of the foreign country and stay out of trouble as well as save your money.



Jasmine | 02 Jul 2012 07:55
Foreign drivers can get temporary car insurance now

I'm sorry to hear you didn't get any insurance cover with them. However this article was written based on what they stated on their website which in my opinion is misleading if they can't deliver on their promise.

I will update the article with the information from your comment but can you clear these 2 points for me :

  • Do you mean to say that you can't drive someone else's car but need to buy one yourself (so you need to be the car owner)?
  • Which country are you from and for how long were you looking to get insured?

Thanks.



gices | 30 Jun 2012 09:57
Adding an immobiliser, alarm or tracker will not necessarily reduce your car insurance
Thank you for your comment. What surprised me the most is that these devices are supposed to increase the security of your car but insurers are looking at it as a modification and this becomes their excuse for increasing your premiums. Such a shame!

gices | 13 Apr 2012 13:41
Driving Test Change History
Every now and then, new changes are brought to the UK driving test which affects mostly learner drivers. Those changes are meant for the greater benefit of everyone as they improve safety on our roads by empowering new drivers with better skills which consequently should reduce the number of accidents and injuries. Upcoming / Proposed Changes The following rules are in discussion at the moment and the government may apply those changes to the driving test in the near future: Have a minimum l...

gices | 22 May 2013 17:35
Fix It Pro Scratch Repair Pen Review
No matter how careful you are with your vehicle, at some point or the other, you will start to notice scratches appearing on the paintwork. It could be when you were parked at the supermarket to do your shopping, someone opened their vehicle’s door a bit too far and that caused one of your front doors to be scratched in the middle. For me, the worst part of my car was around the door handle area and I guess a lot of people have the same problem as it’s the place where you put your keys in and it...

gices | 12 Apr 2013 14:28
Are self driving cars safer and better?
Futuristic as it may sound but self driving cars are a reality today thanks to new technologies. The famous Google car is already in use in 3 states of the USA namely California, Nevada and Florida and although we’re not sure when that’s going to be available to us British citizens, scientists at the Oxford University have developed their own version of an autonomous car. The benefits Less accidents - This would be the number 1 advantage! Equipped with radars and lasers to build a 3D map of...

gices | 04 Mar 2013 12:33
How to play music from your iPhone / iPod through your car radio
Last time I checked, I had around 500 songs on my iPhone and that number keeps growing on everyday as I find new songs to add to my playlist. I must admit I always carry my smartphone everywhere I go because it has all the functionalities I use – calling, texting, camera, music, internet browser and other amazing apps. However the only caveat was I couldn’t listen to the songs when I was driving because my car has only a basic sound system which supports only CDs or radio. It would be too muc...

gices | 04 Feb 2013 10:05
DIY Car Window Tinting Fiasco
For a while now, I wanted to get the windows on my car tinted. The idea occurred to me when I was trying to find an alternative way to sun shades and I thought it would give me and my family more privacy as well. Other people may have different reasons but for me I wanted to block the sunrays when in the car and be able to travel comfortably without the uneasiness of people staring at you and that would give us the added benefit of being able to change our baby’s nappy in the vehicle anywhere we...

gices | 30 Jan 2013 10:17
Jump starting an automatic car with a dead battery
Over the weekend, I decided to put up the car window tint film that I bought from ebay and since I knew it was going to take a long time, I switched on the engine to listen to some music so as to avoid boredom. Well that was a very big mistake! Actually the engine was not on but I had to turn the ignition enough to be able to roll the windows up and down. I must have been busy tinting the windows for at least 2 hours and that completely drained my battery. After trying several times to no avail...

gices | 19 Nov 2012 10:39
Funny road signs from around the world
We've scoured the web and brought to you a selection of the most hilarious road signs from different parts of the globe. Sit back and enjoy! I thought it was obvious from the picture that it's about old people but to make sure everyone knows what it is about, there's another sign beneath it. The funny part of the photo is that along with the sign is the cemetery's direction for the elderly. Okay, it's an entrance only sign but wait, it says "do not enter". So what are we supposed to do? To e...

gices | 29 Aug 2012 14:48
Top 10 complaints against driving instructors
As a learner driver, you’re more prone to errors but that’s still okay as the role of your instructor is to guide you so that you become a safe and confident driver. However not all driving instructors are passionate and professional about their work, so let’s find out the things which irritate learners the most: Late for lessons Many learners complain that their instructors turn up late for their driving lessons and that cuts into their allocated time for which they are paying. A one off 5-10 ...

gices | 18 Aug 2012 14:11
Avoid losing your licence with an insurance policy that protects you against driving bans
For different people, driving disqualification affects them in different ways. Take for example those who use their cars mostly at weekends to do their shopping or visiting family and friends; it will become an inconvenience for them to have to take a taxi for their errands and nothing more. However those people who need their cars to go to work because they live in the countryside or where public transport is not very reliable will be greatly affected if they are not entitled to drive anymore. ...

gices | 11 Jun 2012 10:12
Foreign drivers can get temporary car insurance now
For a long time, people coming to visit the UK were unable to find car insurance because they held driving licences from countries not in the EU. Citizens of South Africa, Australia, USA, New Zealand and Canada were gutted that they could not drive their family or friend’s car whilst on holiday in England and were either forced to hire a car or not drive at all but this has all changed now. It is undoubtedly cheaper to explore the UK by car and more convenient as well. You only have to pay f...

gices | 04 May 2012 12:23
Top 5 reasons why automatic cars are better than manual ones
I’ve always been biased towards manual cars because I learnt driving in one and over the years I’ve gotten used to it. Most people do not like change because the unknown worries us as we don’t feel secure and this happened to me as well when I decided to get an automatic car. If it was not because I didn’t have any choice, I wouldn’t do it but now that I have, I do not regret it a single bit. So here’s how my Nissan Tiida automatic car has helped me: No need to change gears anymore Whe...

gices | 26 Apr 2012 09:13
Carkoon, the most advanced car seat protection or just a marketing ploy?
We all want what's best for our children and like we all know, rear facing car seats are the safest for young children. Currently car seats can vary in price starting from as little as £50 to £250. When I had to buy one for my first child, I went for the best one that was available at that time (MaxiCosy) together with the base for £120 and it was highly rated by Which magazine which gave me more confidence. It made life so much easier but if I didn’t have a budget then there was also one for ov...

gices | 17 Apr 2012 12:30
16 year olds would be allowed to drive legally on UK roads
Many teenagers will be delighted to know that in January 2013, a new law will come into effect whereby a 16 year old will be able to drive a micro car. In some European countries, this is already the norm and in France, you are able to drive at the age of 14. The term micro-car refers to a vehicle smaller than city cars and to comply with the British law, it needs to weigh no more than 350Kg and travel at a maximum speed limit of 28mph. For those who will be turning sixteen in January 2013, ...

gices | 14 Apr 2012 09:37
Drivers of uninsured and untaxed cars will not be allowed to refuel
The high number of uninsured motorists has become a huge problem in the UK as innocent drivers see significant increase in premiums year after year because insurers have to pay out claims but are not getting their money back. Drastic measures have already been put in place where cars without valid insurance are crashed and those without tax are towed away but that does not seem to be enough to deter the outlaws. So new plans are being proposed to stop drivers from filling up at petrol stations i...

gices | 02 Apr 2012 13:33
Driving habits will change with the introduction of Telematics when getting car insurance
As you may have heard the ‘little black box’ sat-nav tracker is set to become the new policy for car insurance in the near future. A year or two ago, it was being offered by Norwich Union (now Aviva) until they dropped it but now other insurance providers are set to implement trackers as standard going forward. Young Marmalade has been implementing the little black box for some new and young drivers a few years now and this has been proved popular too. Many new drivers are willing to adopt t...

gices | 27 Mar 2012 10:11
Flying cars to be available to everyone soon
We’ve seen them in many movies and we wondered whether flying cars would eventually become a reality. The idea of being able to use airspace and avoid traffic seems very appealing to many people and the long wait will soon be over. Terrafugia, a USA based company, has been developing and refining the Transition Roadable Aircraft (TRA) since 2006 and they are now ready to offer this fururistic vehicle to those who are interested in acquiring one of them. Terrafugia which means “Escape the ear...

gices | 18 Mar 2012 09:14
Is it worth getting car contents insurance for your valuable possessions?
Most people nowadays have a few cool gadgets for their cars – a satellite navigation system enables the driver to go from A to B without any difficulty or prior knowledge of the route whilst an MP3 player/iPod makes the journey more enjoyable. Very often, these devices are left in the car sometimes unhidden and they usually become a target for thieves who are always looking for an easy opportunity to steal your things. Fortunately some car insurance policies come with car contents cover which gi...

gices | 09 Mar 2012 08:45
Driver Awareness Courses
Sometimes people are too much in a rush and find themselves jumping a red light or breaking the speed limit without any real thoughts to the consequences these could lead to. Now unless you’ve been given an NIP (Notice of Intended Prosecution), you wouldn’t worry too much about the motoring laws you’ve broken and will carry on with your life. Although safety should be a top priority for everyone, many drivers find themselves in breach of the Highway Code. For some, they unknowingly go throug...

gices | 02 Mar 2012 11:26
Telematics may soon become compulsory when getting car insurance
For decades it has been a well known fact that women are generally safer drivers than men, therefore having an additional driver who is female on your insurance policy will mean lower insurance premiums. Last year Belgian campaigners managed to persuade the court that it is gender discrimination by offering women lower insurance premiums than men although it is a well known fact that men are responsible for 98% of dangerous driving convictions but now insurers will have to disregard that. Women ...

gices | 24 Feb 2012 13:21
How to sell your car fast without losing money
Usually when someone is thinking about selling their car fast, it means they are having finance problems and need cash really quick. For me, the circumstances were different as I was moving to another country and I had to get rid of my car before flying out.Get a valuation of your carThe actual value of your car depends on many things like the make/model, how old it is, the state of the car, the mileage etc. I found that the used car valuation service from Parkers gives you a rough indication of...

gices | 17 Feb 2012 15:04