Convicted Driver insurance with Paddy Compare
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Why get convicted driver insurance?
Who needs convicted driver insurance?
Motor insurance is required by law if you want to drive your car on the road in Ireland. Unfortunately having driving convictions on your licence can significantly increase the cost of your car insurance. At Paddy Compare we know that every driver's circumstances are different, especially when it comes to driving history. Some drivers may have numerous convictions on their licence but Paddy doesn't judge you. In fact Paddy Compare could help you find cheap convicted driver insurance in Ireland.
What type of car insurance do I need?
Like a normal car insurance policy, you will have to decide between the three main types of policy: fully comprehensive; third party, fire and theft; and third party. A fully comprehensive policy will protect you, your vehicle and other drivers from any damage you may cause in the event of an accident, and cover you for fire and theft. A third party, fire and theft policy will cover you for damage to others or their vehicles, and fire and theft of your own vehicle. Third party is the lowest level of cover, and only protects against damage you cause to others, their vehicle and property, it is typically the most expensive of the three.
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What types of offences are most common in Ireland?
Every policy is different and tailored to your individual dirving needs and circumstances, speak to our advisers today and get the right convicted driver insurance cover today.
It is an offence to be driving without a licence and a Garda can ask you to show a licence during a routine stop. If you do not have it with you, you must present it to a Garda station within 10 days. If you do not have a current licence you could face a fine of up to €2,000 depending on when your licence expired.
Offences for driving without insurance are serious and are prosecuted in court. If you drive whilst unisured you could be hit with a fine of up to €5,000 and receive 5 penalty points. It is an offence to drive an untaxed vehicle and you must show the tax disc on your vehicle.
Driving over the speed limit is an offence and could result in 3 penalty points and a fixed charge fine of €80 which has to be paid within 28 days.
If you are seen to be driving carelessly by a Garda you could get 2 penalty points and a fine of €80. More dangerous driving resulting in accident could result in a court appearance, fines of up to €10,000 and even imprisonment.
It is an offence to hold or support your mobile phone while driving, and could result in 3 penalty points and €60 fine if caught.
To intoxicated to drive, either through the use of drugs or alcohol? If stopped and found to be over the limit you could face a fine of €5,000 and or imprisonment. It is a against the law to refuse to be breathalysed. All driving driving offences result in you being disqualified for 3 months.
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Are there other types of offences?
Yes there are other types of offences, such as parking offences, driving without a NCT certificate, driving an unfit vehicle, and driving without your seat belt on.
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What happens if I am refused cover?
Don't worry, whilst we work with a range of specialist brokers there may be others out there willing to help and provide you with a quote.
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What happens if I get driving convictions abroad?
Driving convictions obtained overseas only apply to that overseas state, and therefore will not transfer onto your Irish driving licence.
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Can I remove a disqualification?
Yes, if you have been disqualified from driving, you can submit an application to the District Court for a cost of €55.
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