does any body have a DN10

[vtrowland]

just wondering if any body else has a IN10 on there licence for no insurance?
i have 1years no claims, soon to be 2, and im 22
and my insurance is about 2300...

if so who are you insured with and how much you paying?
it was 800 before this happend :(

cheers tom

[skyinsurance]

just wondering if any body else has a DN10 on there licence for no insurance?
i have 1years no claims, soon to be 2, and im 22
and my insurance is about 2300...

if so who are you insured with and how much you paying?
it was 800 before this happend :(

cheers tom

Have you done much shopping around Tom?

[vtrowland]

iv gone on money supermarket, and rang a few companys including yourselves and skyinsurance wouldnt even quote me :( any help?

[outrage_uk]

What's DN10? Do you mean IN10? - No insurance?

If this was me, I would simply 'forget' to declare it.

Youve paid your fine for no insurance? - £200 or whatever it was, I would refuse to be unofficially fined again another £2000 on top. I would be quite happy to say that in Court if any thing came of it.

Other than that, shopping around is your only way - same for the rest of us... there isn't 1 particular 'good' or 'cheap' insurance company.

[vtrowland]

yehh iv thort about not declaring it... whats the worst an insurance company can do if they found out, apart from void insurance??

[Quick]

Report you to other insurance companies.

Void your insurance after a claim leaving you very out of pocket!

[vts-dave]

void insurance lol that is the worst they can do

[Morgzc]

The worst that could happen is you end up getting cought with invalid insurance and get 2 IN10's.

[devilsadvocate]

Big risk to take, one check and the police will be able to see that you have a DN10 and a quick call to the insurance company could mean you get done again for the same offence.

If it went to court, it would likely mean a bigger fine or possibly a harsher penalty.

I wouldn't be willing to take that risk if it were me but everyone is different

Technically it is no more wrong than fronting or undeclared mods but big risk nonetheless :)

[vtrowland]

What's DN10? Do you mean IN10? - No insurance?

If this was me, I would simply 'forget' to declare it.

Youve paid your fine for no insurance? - £200 or whatever it was, I would refuse to be unofficially fined again another £2000 on top. I would be quite happy to say that in Court if any thing came of it.

Other than that, shopping around is your only way - same for the rest of us... there isn't 1 particular 'good' or 'cheap' insurance company.


they fined my half of that weeks wage... £440 i got fined... i didnt even know they could do it off your wage, suppose its to see what you can afford... :(

[Barry123]

If this was me, I would simply 'forget' to declare it.


you've got to be kidding me that you're actually suggesting this?

fuck me this club has some gimboids on it.

[loudandproud205]

you've got to be kidding me that you're actually suggesting this?

fuck me this club has some gimboids on it.

Just spat my coffee all over :y:

[outrage_uk]

Thats right. I personally don't declare anything if it reduces what I see as an already a ridiculous premium (£40 a month). That is just me though, obviously you should declare everything and pay 4 times as much :y:

fuck me this club has some gimboids on it.

Join Date: Oct 2005
Location: Guildford
Posts: 29,652
Car(s): Saxo VTS

^^
Certainly has buddy, certainly has. :n:

[Morgzc]

You are obviously one really poor guy if you find it difficult to pay £40 a month.

[outrage_uk]

Not at all... just don't like paying £40 a month for absolutely nothing. And if you think I would ring my insurance company and give them any reason at all to increase it by anything.......... you most work for an insurance company......

[VTHall]

i slightly agree with outrage here....

[skyinsurance]

Not at all... just don't like paying £40 a month for absolutely nothing.

You dont? If you are driving with undeclared mods/convictions then you ARE paying for potentially nothing.

[skyinsurance]

void insurance lol that is the worst they can do

Void insurance and then whne asked 'have you ever been refused cover' you will have to say yes, which is about as bad as it gets as far as insurance companies are concerned.

[skyinsurance]

i slightly agree with outrage here....


And if he told you to jump of a cliff you would do it too?

[outrage_uk]

Comments about declaring mods / convictions / how you wipe your arse are slightly biased coming from an insurance company rep (especially as you wouldnt give the lad a quote) !

[skyinsurance]

Comments about declaring mods / convictions / how you wipe your arse are slightly biased coming from an insurance company rep (especially as you wouldnt give the lad a quote) !


Bias - maybe?

Good advice - definitely.

Whether we can quote the customer is beside the point.

Recommending someone 'forgets' to let an insurance company know about their conviction on a public forum is stupid, following your advice is even more stupid.

Say the guys takes your advice, insures his car, has a claim and then finds his policy void, he has a smashed up car that he has to pay to repair himself, god forbid he hasn't hit anyone else so has that to deal with, then to top it all of, whenever he is getting quotes in the future he has to declare that he has insurance cancelled as he has lied to obtain cover?

Would you then feel good about giving the advice in the first place?

[outrage_uk]

To be honest, I wouldn't feel that bad. Ive said time and time again - you should declare everything...

... but I personally wouldn't dream of paying you (I assume you people are on commission by spending time on these sites trying to take money off young lads/lasses) any more than I have to.

As i said, if it was me, for the thousands of pounds extra it costs - Id rather have my time in Court explaining there must have been a 'mistake' when i obtained the policy.

If anything it would make me drive careful so I wouldn't have the misfortune of using you.

As for declaring that the policy was void in the past - it's quite simple. I wouldn't.

As we are on the subject, would you like to clear up how you would ever find out about undeclared things if your never involved in an accident?

[skyinsurance]

As i said, if it was me, for the thousands of pounds extra it costs - Id rather have my time in Court explaining there must have been a 'mistake' when i obtained the policy.

If anything it would make me drive careful so I wouldn't have the misfortune of using you.

As for declaring that the policy was void in the past - it's quite simple. I wouldn't.


I could answer each point one by one but there doesn't seem much point with you.

Hopefully anyone sensible reading this thread will make their own mind up.

Good luck in life though.

As we are on the subject, would you like to clear up how you would ever find out about undeclared things if your never involved in an accident?

Yes, insurers will ask to see a copy of your driving licence in the event of a claim or will check with the DVLA. If an undeclared conviction comes to light, best case is your are asked to pay the additional premium you may have had to pay if the conviction was originally declared, worst case you have a void policy. Run someone over and have a PI claim against you, that is when you wish you had not fraudulently ontained your insuramce.

As a quick point, my company have an ongoing claim which is up to £750,000 of personal injury pay out at the moment.

[outrage_uk]

Hopefully anyone sensible reading this thread will make their own mind up.

Exactly. The lad asked a question. I gave my opinion. That is the whole point of a public forum.

Yes, insurers will ask to see a copy of your driving licence in the event of a claim or will check with the DVLA.

Not always. They will possibly check (if they can't profit from you any other way. Is that what you mean?)

If an undeclared conviction comes to light, best case is your are asked to pay the additional premium you may have had to pay if the conviction was originally declared, worst case you have a void policy.

Not converted me yet...

As a quick point, my company have an ongoing claim which is up to £750,000 of personal injury pay out at the moment.

Are we supposed to give a shit? The driver that did that is most likely in prison now so the claim against you is probably the least of his/her problems.

Good luck in life though.

Thanks. I enjoy living on the edge. That's why I don't spend my days making other people rich. :y:

[Barry123]

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christ the stupidity is strong in this one.

yeah it's a public forum, but that doesn't mean leave common sense at the login screen.

[skyinsurance]

yeah it's a public forum, but that doesn't mean leave common sense at the login screen.

Indeed, sometimes you just have to give up trying to explain :y:

[outrage_uk]

christ the stupidity is strong in this one.

yeah it's a public forum, but that doesn't mean leave common sense at the login screen.

Are the other 29 thousand 654 posts as pointless as this? Is there actually a reason for you leaving a message in here or are you generally lonely and trying to make friends?

Indeed, sometimes you just have to give up trying to explain :y:

If you have earned enough commission today and are sitting around doing nothing - why don't you try and explain what the incentives are for been honest? I mean, surely if you have had an IN10 conviction, and you are trying to obtain insurance - it would mean you are been honest and doing things right. Buy your company, and all the others charge people more? Double jeopardy on a civil scale me thinks. Obviously people like you rubbing your hands wont give a shit. It's not very fair is it?

[welshy23]

i think they got rid of double jeapody...

[Tontsy]

Why has nobody yet to mention the op is a twat for driving without insurance, and doesnt deserve to get back on the road?

Not insured, dont drive.

Im with my sky here tbf.

[Barry123]

Are the other 29 thousand 654 posts as pointless as this?



Yep, just you were (un)lucky to have the only two sensible posts from me in this thread.

[outrage_uk]

Why has nobody yet to mention the op is a twat for driving without insurance, and doesnt deserve to get back on the road?

No, if the insurance was about £500 like it should be then everyone would be insured and there would be no excuse.

As it is... insurers are legally aloud to rip you off, and it makes more sense (financially) to drive uninsured and take the risk.

[VTHall]

And if he told you to jump of a cliff you would do it too?

Sky, firstly insurance is stupidly high as it is.

People are having to pay 3K+ which is usually at 17/18/19 on something like a one litre, its fucking ridiculous.

This is like at least 3x what the car is worth.

This is not a dig at you, by the way.

Now surely its your car, you want to do what you want with it.

With already paying 3k for insurance, and all you want to do is put a bit of noise to the car, making it sound more tidy, i really dont understand why insurers need to know this i.e a backbox?

Whats it gonna do, make the car go like a ferrari? You wont even be able to tell the difference.

Add 3bhp more to the car, which when an average person sits in the car you lose 8bhp - which then means its still less than the standard bhp of the car.

If your adding something big, turbo, nos, cams, etc etc, then yes, fully agree with it, but when your paying 3K for insurance i dont think a lad at 17 want to pay another 60 quid more just for abit of sound, you might say well dont buy an exhaust then - which is fair enough, but at the end of the day, you buy your car, you should be able to do what you want with it within reason.

I had a mate who painted his wing mirror caps black, and he crashed, he hadnt told his insurers and they didnt pay out becuase of this, now that really is fucking sad.

The reason of not getting insurance at all, or not telling your insurance about mods is purely down to £££, which in most cases, people cant afford.
Insurance is a rip off, and the prices are becoming stupid.

Just my view, i dont need slating as were a democracy and have a right to an opinion.

[devilsadvocate]

Your never gonna convince Outrage guys, he has a thread promoting fronting so your efforts are in vain :)

At the end of the day, rules are rules and laws are laws.
You can moan all you like but it's the way it is unfortunately
Do we like it? No of course not
Do we pay it? Yes because we want to drive

Undeclared mods and convictions are against the companies T&Cs so the reality is that they 'could' void your policy so its a risk you take
If you want to take it then fine, be prepared for the reprocussions if the insurance company find out
If you dont then you have nothing to worry about

[outrage_uk]

Devil :) I was waiting for words of wisdom from my good old Law abiding buddy :y:

Yes your right. I have a thread telling people how I have saved thousands and thousands of pounds on insurance. Why? Because a) they ask and b) I have done it.

Dishonest? Probably. Breaking the Law? To be proven.

If you look on all the threads I post, I always say 'you should declare...' your left testicles' diameter or whatever else they ask.

All the questions are there so the insurers can have a reason to void your policy if you need to claim (even an angel like you will have broken what you think of as Laws (insurance T&C's)) - you even admit to adding drivers on your policy that will never drive. In that case you may as well just make names up and put them on?

I totally agree with VT Hall - and I do not get taken in for a mug. If other people want to then that is up to them isn't it? I personally don't see it as well done to you, I see it as stupid, and I think when you think back to the tens of thousands you have wasted, you feel the same, everyone would. Although instead of admitting it, you want everyone else to pay ridiculous amounts, because it's only 'fair' as you 'had' to.

[Rudpud]

As a quick point, my company have an ongoing claim which is up to £750,000 of personal injury pay out at the moment.

What the fuck happened to them? Are you paying to have all their limbs and head put back on, and carving them a new face whilst replacing every organ on the person?

Insurance is ridiculous, as someone else said they are legally allowed to rip you off, making us pay thousands for cars that really aren't worth it. Then moan when people don't pay insurance only for a few points and a small fine in comparison to the premium they would have had to pay.

One thing that really annoys me is that, they wish to know about mods but wont pay for them... Now why are we paying more for something that isn't covered?

And even if you are fully insured, the company will do everything possible to get out of paying out. I know it's business but its a legal action that has to occur for everyone that wants to drive, so should be a bit more lenient imo.

[vtrowland]

Comments about declaring mods / convictions / how you wipe your arse are slightly biased coming from an insurance company rep (especially as you wouldnt give the lad a quote) !

:) im confused wat 2 do... i no its right to declair it,
but i dont want 2, cant afford 2, and think its discusting the amout they want to charge me!!
adding 1500 to my premium =@

[outrage_uk]

Only you can decide...

If it was me... obviously I wouldn't. Then again I have driven around with a void-able policy;

Reasons for-
♦ A lot cheaper
♦ Not giving insurance companies more than they already take
♦ Unlikely to be caught out
♦ Already paid the no insurance fine in Court, why should you pay extra again?
♦ Insurance companies are unlikely to pay out anyway (by bull shiting about other things)
♦ Even if you got another IN10, with the same fine as last time, it would be 1/3 of the extra it would cost by been honest

Reasons against-
♦ Policy will be cancelled if they find out
♦ You will be left with a big bill if you have an accident causing third party damage, or injury and they prove in Court you intentionally lied
♦ Having a cancelled policy is a big time crime (according to Sky)
♦ You are bordering the lines of fraud or deception

... only you can make the decision mate.. The policy is in your name.

[devilsadvocate]

Big risk or little risk, its still a risk

Everytime you see a police car you will shit yourself just incase they pull you over and start asking questions

Not declaring a serious driving conviction could come back to bite you in the arse, especially if you end up with another DN10

Dont drop to soap......

[outrage_uk]

Get a grip. Your not actually been serious with that comment are you?

I would never shit myself when the wankers are around me. If you do, i think you have a nervous disposition, get to the docs asap. The police are nothing, the best they come out with is a load of bull and a Summons.

If you behave and drive 'responsibly', most people don't get stopped too often these days anyway. The police are scared they may have to write a producer or something. If it passes ANPR then you should be OK.

Yes it's a risk. But driving has bigger risks involved such as killing yourself or killing other people.. so some questions about my insurance is well and truly at the back of my mind.

[devilsadvocate]

Get a grip. Your not actually been serious with that comment are you?

I would never shit myself when the wankers are around me. If you do, i think you have a nervous disposition, get to the docs asap. The police are nothing, the best they come out with is a load of bull and a Summons.

If you behave and drive 'responsibly', most people don't get stopped too often these days anyway. The police are scared they may have to write a producer or something. If it passes ANPR then you should be OK.

Yes it's a risk. But driving has bigger risks involved such as killing yourself or killing other people.. so some questions about my insurance is well and truly at the back of my mind.

Ok mate, you carry on with your bad advice and I will carry on with my good advice :)

If you drive a saxo, you more are likely to get stopped by the police than if you are driving..............pretty much any other car

You call them 'wankers' which some of them are, however without them we would end up a shit whole of a country, overrun by crime, racism and unemployment.

[Saxovch22]

i have an IN10 mate and i weighed up my options of what i should do and i found that no matter what the cost of the insurance was i should pay it because

1. its my own fault for it being that high in the first place
2. if i just didnt drive for the next 5 years then insurance would still cost more being 21 with no NCD than end up being 21 with 4 NCD when the IN10 gets cleared.
3. I was thinking about not declaring it but i was sure insurance companys could check your licence at the time of inception.

you should be more than happy with 2300 i was paying 390 a month when i first added my IN10.
did you get 6 points ?
what company quoted you 2300 ? as i found hardly any companys would insure me at all

[outrage_uk]

You call them 'wankers' which some of them are, however without them we would end up a shit whole of a country, overrun by crime, racism and unemployment.

Which is exactly what we have got.. if you hadnt noticed. Its the Courts that issue the justice, the police are just overpaid, power tripping numpties that prefer to target motorists because they see it as easy money. Millions of pounds gets thrown away year after year because police wasting time on 'motoring offences' rather than crime, which is what the public want. Anyway, we are going off the subject here.

Your 'good advise' may be what you want people to do - but it's not really answering the question. If people wanted to get raped and pay thousands to insurance, they wouldn't be asking for advise in here would they? They would just pay up whatever number gets plucked from the air like you have done.

It doesn't matter what car I drive, I get stopped all the time, it's of no interest to me (unless im in a rush). I can promise you I have never, ever soiled myself when I see the blue lights, whatever my insurance says. :y:

[devilsadvocate]

i have an IN10 mate and i weighed up my options of what i should do and i found that no matter what the cost of the insurance was i should pay it because

1. its my own fault for it being that high in the first place
2. if i just didnt drive for the next 5 years then insurance would still cost more being 21 with no NCD than end up being 21 with 4 NCD when the IN10 gets cleared.
3. I was thinking about not declaring it but i was sure insurance companys could check your licence at the time of inception.

you should be more than happy with 2300 i was paying 390 a month when i first added my IN10.
did you get 6 points ?
what company quoted you 2300 ? as i found hardly any companys would insure me at all

Best post yet :)

Outrage is just trying to justify what is evidently his opinion as opposed to any facts so there is no point trying to argue with him
I think sensible people will read this thread and make thier own minds up

[outrage_uk]

You see Devil - this is what you are misunderstanding.

People come on this forum for advise. This is what I give. You dictate to people what they should do, based on the fact that it is how you have done it, therefore it is correct.

I had an IN10 conviction when I was 16 (scooter). I never declared it on my 'fronted' policy, because it increased the premium by £1500. So not only did I 'save' thousands by been a named driver, I 'saved' a further £1500*5 years for refusing to pay for my crime 6 times. Do I feel bad? No. Because ive still paid thousands to insurance for nothing! Do you not understand that?

(Incidentally, there were no issues when I had to claim against a third party, although it wasn't from my own company)

So, its not an opinion. Its fact. I got away with it, whatever. I still saved alot of money.

[Saxovch22]

So for 5 years you never declared it ?, i thought they check your licence etc when you become insured with that company.

[outrage_uk]

Obviously not in my case...

[Saxovch22]

Fair enough, think there's too much technology to get away with it these days though :(

[outrage_uk]

True, although I think the DVLA will have to be very careful who they pass information from the driver register to. Insurers probably have a legal right to it on request, but I doubt it's automatic when you obtain your policy.

[Barry123]

You see Devil - this is what you are misunderstanding.


I'm loathed to reply, but I think you're missing the point actually.

By all means have a cookie on me for your attitude towards insurance and the fact you feel the need to incessantly arsemunch on about it. But try to consider the bigger picture here, as in, the forum, it's an owners club. I mean saxo owners have a pretty god awful image anyway, but there are some things you don't need to mention on a public forum.

I know full well that a lot of the people here are fronting, not declaring conversions and it would appear not declaring convictions - the majority don't really announce this fact on the forum.

One, because they probably don't see the need to announce this to everyone - it doesn't really add to, or benefit the community knowing this. Two, an internet might seem like this awesome little place where people can gloat about various things. But ultimately things are traceable.

It's happened in the past where the police have done some investigations on forums when certain things have come to light through 'anonymous reports' of iffy activity. IP addresses are ease peasy to trace back to real people.
you've even gone as far as admitting to an actual insurer what you're doing - it's a shared database the whole industry has access to.

I'm, begrudgingly sure you'll be fine. But have some common sense on a forum and try to at least promote keeping to the right side of the law - although I'm doubtful.

And yes, in case you're wondering, every last thing on my car is declared, even that the aerial had been removed from my car.

[outrage_uk]

Im a network administrator, don't worry about me too much regarding the IP addresses etc. I could be anyone. Any one of thousands could be using this IP address. Even if PC plod comes knocking on my door regarding insurance years ago then ok, I will (possibly, after reviewing the evidence) hold my hands up and pay the £80 in Court.

Too many people in these forums act like angels and admit to nothing, where in reality life isn't quite as straight forward. If only I have the balls to admit to the things I may or may not have done, then whatever.

I keep saying it time and time and time again. You should do things by the book. Just informing people of other ways around it.

[vtrowland]

Why has nobody yet to mention the op is a twat for driving without insurance, and doesnt deserve to get back on the road?

Not insured, dont drive.

Im with my sky here tbf.

i think youll actualy find that my policy was canceld by the insurer by accident!!
they admited it over the phone to me but wouldnt admit it in writing to show to the court, so therefor i sufferd...

2 faced insurance only out to make a quick buck

[vtrowland]

i have an IN10 mate and i weighed up my options of what i should do and i found that no matter what the cost of the insurance was i should pay it because

1. its my own fault for it being that high in the first place
2. if i just didnt drive for the next 5 years then insurance would still cost more being 21 with no NCD than end up being 21 with 4 NCD when the IN10 gets cleared.
3. I was thinking about not declaring it but i was sure insurance companys could check your licence at the time of inception.

you should be more than happy with 2300 i was paying 390 a month when i first added my IN10.
did you get 6 points ?
what company quoted you 2300 ? as i found hardly any companys would insure me at all

yes mate got 6 points, and it was first central ins

[Saxovch22]

alright yeah i got the same, was meant to go to court but got offered the fixed penalty.

even if you went to court with said written letter from insurance they would still find you guilty of driving without insurance as im sure it says somewhere that before driving a car you must make sure you are insured, so they will say its negligence on your part for not making sure you were insured at the time, thats why i didnt take it to court.

cheers mate might see what quote i get with them for my vtr.

[devilsadvocate]

Outrage, I am also giving ADVICE but mine is factual, yours is your opinion.

It's not fair to tell 17 year olds that it is acceptable to not declare mods or convictions or to front, most of them don't have a clue at that age and by following your 'advise' they could end up in serious shit of they get caught!

[outrage_uk]

Ayyy dear. Round in circles.

I am giving FACT because its my experience.

I can say exactly the same about what you are doing. It's not fair to tell them to over pay on insurance just because you have. Im sure you work for an insurance company :S

[devilsadvocate]

I can say exactly the same about what you are doing. It's not fair to tell them to over pay on insurance just because you have. Im sure you work for an insurance company :S

Fraid not, work for the Government

[outrage_uk]

Ha ha - well that says it all :y:

Anyway we both agree : read the thread, make up your own mind.

End of debate.

[VTHall]

both outrage and devil has put numerous points there that are a very good read. Personally, as much as i think devil is sound guy, i have to agree with outrage.

the main thing that winds me up is:
if he has paid for it once, why should his insurance still be chargin him for it x years down the line.

This is why the goverment is in so much shit ( and us)

Purely through having no common sense.

They would rather stop a 'chav' in a saxo revving his exhaust at 6pm instead of catching real criminals.

At the end of the day, half of these rules are becuase we are in europe.

Europe is possibly the biggest mistake we have ever made, even more so we got the chance to vote taken away from us.

I know i'm going totally off subject, but the principle is still there.

Adsayer, removing an arial - i understand why you have told them, but for christs sake, what is the country coming to?

You wont be allowed to take parts off your own car soon and put them back on incase they are not in the exact position that they were on when they came out the factory.

To sum up.

Government + fuel (goverment) + insurance is a fucking disgrace.

[Mark51]

I've read the first one and a half pages of this and cannot believe how retarded some people actually are.
In brief, insurance is a legal requirement, it doesnt just cover you and your car so if your insurance cost is more than your cars worth then thats life as its covering your self, your car and anything else you could possibly damage. Young drivers should always check insurance before buying a car, i thought that was common sense. When i was 18/19 i could afford a BMW M3 (i have a good job) but couldn't afford the cost of the one insurance company that would insure me (£12k).
As for those giving advice such as not declaring convictions and modifications then your posts will be removed. Might be time to mature a little and realise how much of peoples times your wasting by posting. Nothing constructive to add then don't post.

Any member with on going issues with this thread and it been locked then please feel free to PM me, however, you may not like the response you get.

LOCKED