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mjdm

Joined:

Jul 11

Posts: 7

mjdm says:

Non motoring convictions...

Hi all. Looking to get my first bike, but have hit a stumbling block... I have a conviction for possession of a class C controlled substance. Conviction date was around 3 years ago, the only penalty was a £350 fine (no custodial sentence or community service). So far, I have found NO insurers who will touch me. Does anyone else have any experience in this area? Looking forward to your responses.... Mark

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  • Posted 3 years ago (14 July 2011 14:48)

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MarcusMarsh

Joined:

Aug 09

Posts: 2698

MarcusMarsh says:

Insurance

I don't understand how criminal convictions are directly used to asses risk when underwriting motor insurance  but I guess they go some way to establishing the 'character' of the potential policy holder.  I would imagine that, with a Class C conviction, the insurance companies concern is that you have a habbit - particularly as you have to get caught more than once to end up with a conviction.  Therefore they would percieve that your drug use is a regular habbit, that you are more likely to ride under the influence of drugs and thus be involved in an accident. 

I think you will need to avoid the usual comparison sites and bucket-shop insurance dealers and speak to a proper insurance broker.  They will be able to offer meaningful advice and may be able to come up with a solution to your problem.    

[This Reply has been modified by the Author]

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mjdm

Joined:

Jul 11

Posts: 7

mjdm says:

Insurance

Cheers for the reply. FYI I was only caught once though :smile


Just been quoted £2000 by a broker specializing in people like me. I might add that I also have 6 points, a previous claim, have only passed my bike test this month and its a 2008 R6...

Normally I'd be stupid enough to pay it (I have paid more in the past) but they won't give me cover better than 3rd party only. Might have to consider getting a much cheaper machine as I can't risk having a £6000 bike not covered for theft :upset:

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SlowLearner

Joined:

Feb 10

Posts: 1993

SlowLearner says:

I always thought...

... that a bit of a "smoke" made one more attuned to the bike, and made for a ride where one could really "be" with the bike.  Of course, that was a long time ago, and - erm - so I'd heard, anyway.


But it does seem a bit rich punishing someone after the event for so long.  More enlightened countries don't even see cannabis as being a problem at all, here - clearly you're a drug addict/ junkie.   You can get pissed every single day and that's not a problem, as long as you don't drive until sobered up.  But get caught holding a 'J' when you're nowhere near a vehicle, suddenly you're an untrustworthy criminal.

Our drug laws are truly fecked up, and that's mainly thanks to the US "war on drugs", political cowardice, and Daily Mail readers' hysteria.

[This Reply has been modified by the Author]

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mjdm

Joined:

Jul 11

Posts: 7

mjdm says:

Insurance

Hmmmmm don't even get me started on that subject... If only elephant did bike insurance. They are one of the few insurers who don't specify that you have no non motoring convictions. Could get any number of rapid cars insured with them tomorrow, but my heart is set on 2 wheels :smile

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MarcusMarsh

Joined:

Aug 09

Posts: 2698

MarcusMarsh says:

mjdm

You only mentioned your conviction as a possible issue in your first post, but now that you have elaborated on your riding history I would say that these are also big contributory factors, particularly the accident and 6 points.  Run a smaller bike for a year or so until your premiums come down.  You can still have loads of fun on bikes that fall into cheap insurance groups.

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mjdm

Joined:

Jul 11

Posts: 7

mjdm says:

Well...

Yes the points and previous claim make the price high. But the non motoring one makes it impossible, unless you go through a specialist broker as previously mentioned. Without disclosing the non motoring one, I have a quote for only £650... I would never have thought such a minor offence would have such huge consequences. Ah well, lesson learned.....

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philehidiot

Joined:

Feb 09

Posts: 4613

philehidiot says:

Risk

C'mon you've got to see the connection. Drink and drugs cause accidents and you've had a claim plus demonstrated speeding. If I was an insurance company, I'd not touch you. You've demonstrated risk taking behaviour with speeding and drugs, plus a claim which shows potentially taking less care.


Bikes attract risk takers and those are the same people who crash them, often ending up with huge personal injury costs.

The other thing is what bike are you looking at? I have a clean licence with no convictions for anything and just one non fault accident years ago which no longer counts. They won't insure me on anything fancy because I'm 26. If I want a nice looking bike, we're talking a grand. My 125ccs were about £700 to insure years ago.

Look for a slow, cheap, crappy looking bike and see how the insurance quotes on that.

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mjdm

Joined:

Jul 11

Posts: 7

mjdm says:

Agreed..

I would have to concur that on paper I am a very bad candidate. I guess if I was an insurer I wouldn't touch me either... If only they knew I am actually very safe. Well, I think I am just going to bite the bullet and come spring I'll fork out for £2000 insurance. After a year it should plummet as my conviction will be spent (I'll no longer have to disclose it), 3 points will have dropped and I'll hopefully have a years no claims too. Slow, cheap and crappy is just not what I am after. Good to hear everybody's opinions as always!

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AdieR

Joined:

Apr 08

Posts: 3071

AdieR says:

6 points

a previous claim, a new rider on a high performance, high value machine that's a bike thieves jackpot prize.

I'm insured with Aviva, and I've never been asked about convictions other than traffic endorsements.

Hope that helps.

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mjdm

Joined:

Jul 11

Posts: 7

mjdm says:

Finally....

After endless  days of phoning around I have an answer. Bikesure have found me the following quotes - £520 third party only on a 2005 CBR 600F, or £1500 third party only on a 2002 R6. This is with all my convictions (motoring and non motoring) disclosed! Bit of a risk without the theft cover, but the bike will spend 95% of nights locked in my parents garage with a ground anchor and an Almax series III chain and lock. Now I just need to decide if the R6 is worth an extra grand a year in insurance...?

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