Any specialist insurance broker for convicted driver?
Discussion
Does anyone know a specialist broker who may be able to help with getting insurance for a convicted driver (all usual insurance companies & recommend ones won’t insure him )
He had accident on his motorbike day after his 17th birthday July 2022 and was found to be 0.2 over the specified limit for cannabis due to smoking it the night before (he used to use it to help him sleep as he has adhd & was on mental health waiting list for 2 years)
He has been on medication for last 2 years & does not touch any drugs anymore but we are struggling to find any insurer to insure him.
He is fully aware that it’s his own fault but he has learned the hard way & has stable job etc that he is struggling to get to at times due to no transport.
Any specialist insurance brokers out there that may be able to help. ?
He had accident on his motorbike day after his 17th birthday July 2022 and was found to be 0.2 over the specified limit for cannabis due to smoking it the night before (he used to use it to help him sleep as he has adhd & was on mental health waiting list for 2 years)
He has been on medication for last 2 years & does not touch any drugs anymore but we are struggling to find any insurer to insure him.
He is fully aware that it’s his own fault but he has learned the hard way & has stable job etc that he is struggling to get to at times due to no transport.
Any specialist insurance brokers out there that may be able to help. ?
Based on that limited information I would start with Keith Michael’s.
Needless to say if they are able to offer something though their panel of Insurers it won’t be cheap.
I’ve never used them but am aware of them and they have been around a long time.
There is also the likes of Adrian Flux but would start with KM.
Needless to say if they are able to offer something though their panel of Insurers it won’t be cheap.
I’ve never used them but am aware of them and they have been around a long time.
There is also the likes of Adrian Flux but would start with KM.
alscar said:
Based on that limited information I would start with Keith Michael s.
Needless to say if they are able to offer something though their panel of Insurers it won t be cheap.
I ve never used them but am aware of them and they have been around a long time.
There is also the likes of Adrian Flux but would start with KM.
Neither will insure him unfortunately (too young) Needless to say if they are able to offer something though their panel of Insurers it won t be cheap.
I ve never used them but am aware of them and they have been around a long time.
There is also the likes of Adrian Flux but would start with KM.
kippax said:
alscar said:
Based on that limited information I would start with Keith Michael s.
Needless to say if they are able to offer something though their panel of Insurers it won t be cheap.
I ve never used them but am aware of them and they have been around a long time.
There is also the likes of Adrian Flux but would start with KM.
Neither will insure him unfortunately (too young) Needless to say if they are able to offer something though their panel of Insurers it won t be cheap.
I ve never used them but am aware of them and they have been around a long time.
There is also the likes of Adrian Flux but would start with KM.
A quick Google came up with “ All young drivers “ website which may be worth a look if you haven’t already.
Advance Insurance or Bikesure if you ring them and go through the rigmarole. It will be extremely expensive, don't mean to be disparaging but perhaps an e-bike is going to be the answer here.
Unfortunately some underwriters have pulled out of motorcycles and as a result there's less competition and less companies willing to take a 'risk' on convictions and such.
Unfortunately some underwriters have pulled out of motorcycles and as a result there's less competition and less companies willing to take a 'risk' on convictions and such.
dundarach said:
Sorry I suspect this isn't going to help at all, however given it's for a 125cc bike, I'm guess a decent ebike with a long range isn't any good as an alternative?
What a pain.
There is sometimes some confusion with wordings but he'll need an EAPC (electric assisted pedal cycle). Limited to 15.5mph under pedalling. Cant have a throttle. What a pain.
An ebike would be an electric bike that requires insurance etc
LosingGrip said:
There is sometimes some confusion with wordings but he'll need an EAPC (electric assisted pedal cycle). Limited to 15.5mph under pedalling. Cant have a throttle.
An ebike would be an electric bike that requires insurance etc
Yeah, no I was thinking the limited type, just to get wherever he was planning for the 125cc. Bloody painful, but at least you're moving!An ebike would be an electric bike that requires insurance etc
The Rehabilitation of Offenders Act time limits are halved for those under 18 when the offence was committed. So the 11 years for drug/driving is reduced to 5.5 yeas. Not that that helps when insurers are only asking about the last 5 years. But it might be useful info if he's ever asked about stuff in the past when applying for jobs in the future, or foreign visas, or whatever.
over_the_hill said:
You say he has been on medication for the last two years and no longer touches drugs.
Presumably this is prescribed to replace the drugs.
Is this something he can use in his favour in some way ? e.g. has undergone treatment and is on a recovery plan.
2 months after the accident he was sectioned with Psychosis and it took that for home to actually get seen by e mental health professional! (Waiting list for 2 years)Presumably this is prescribed to replace the drugs.
Is this something he can use in his favour in some way ? e.g. has undergone treatment and is on a recovery plan.
He’s now been diagnosed with ADHD & Bipolar and has been on medication since with no issues.
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