Drink driving conviction and car insurance?

Question

Please don't give me a lecture.

I was convicted of drink driving a few months ago.

On my car which is owned by my mum, my name is on the insurance as one of the drivers. My mum doesnt know of my drink driving charge, will the insurance company ask or find out next time its due?

I live in NZ.

Answer 1

I doubt they will have it listed on the insurance policy, but your rates will increase and if your Mom questions the rate increase watch out cause they will tell her. I got a DUI almost 9 years ago and my rates shot up. If you don't want your Mom to know you have 2 choices. Hope she doesn't question the increase or get on your own insurance policy. Make up some BS excuse tell her your trying to build your credit rating. Not all insurance companies go through the trouble of checking your record every time your policy renews but, it is bound to happen, so you might want to play it safe. I hope this was useful.

Answer 2

For car insurance the most efficient way to get a good rate is do a policy comparison on car policies. Make sure that you pick similar policies with the same deductibles, auto model, zip code, etc so that all things are an accurate comparison.



What I most often recommend is an internet comparison quote at http://www.InsureAutoNow.info since they have discount insurers and can give multiple quotes on car insurance polices.

Answer 3

I work at an insurance company so that's my experience in this.  I'm not 100% if they will ask your mom about it but she'll probably find out.  After a conviction like that the premium will probably increase/be more expensive and she'll catch on.  To be safe you could call the insurance company...it's really easy to anonymously ask a question like that.  You'd be surprised how many times people ask.  Hope that helps and good luck!