Banned Driver Insurance

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What is Banned Driver Insurance?

Banned driver insurance, also known as disqualified car insurance, is a type of car insurance policy designed for drivers who have had their driving licence revoked or suspended due to serious driving offences. This can include things such as reckless driving or driving under the influence of drugs or alcohol.

This convicted driver insurance is designed to provide cover for drivers who are unable to find insurance from traditional insurance providers. Banned driver policies may have higher premiums and more restrictions when compared to regular car insurance policies, but they provide a way for banned drivers to legally drive in the UK.

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Banned Driver Insurance

What our Comparison Expert Says

‘If you have been banned from driving within the last 5 years, it can be harder to find a competitive insurance policy. Don’t panic, if you have your licence back, we can help you find an insurance policy right for you!’

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Will A Previous Driving Ban Make It Hard To Get Insurance?

Being previously disqualified from driving will make it harder to find car insurance.

Insurance providers consider banned drivers to be a higher risk due to their past driving behaviour, so they may either refuse to insure them or offer insurance at a significantly higher premium.

Some insurers may also impose additional restrictions on banned drivers, such as limiting the number of miles they can drive or requiring a higher excess payment.

While options may be limited, there are insurance providers that specialise in providing insurance to banned drivers. Therefore, it is still possible for them to get insurance, even with a previous ban and or driving conviction.

In complex cases like this, it can be beneficial to speak to someone directly who can offer advice. There may be specific insurers that are better suited than others and an insurance broker can help to identify which options are best.

How Long Do You Need To Declare A Driving Ban For?

In the UK, you are required to declare a driving ban to insurance providers for a minimum of 5 years from the date your ban was lifted.

This means that even after your ban has ended, you may still face higher insurance premiums for a significant amount of time after the ban is “spent”.
Even with this 5 year declaration period, the actual length of time that a driving ban will affect your insurance can vary depending on the specific circumstances of your ban and the insurance providers you approach.

Some insurance providers may consider a driving ban for a longer period of time, while others may consider it for a shorter period. It’s always best to check with individual insurance providers to find out their specific requirements and policies. The quickest way to do this is typically to compare banned driver insurance quotes.

Am I Classed As A High Risk Driver?

A high risk driver is considered someone who poses a greater risk to insurance companies through making or causing claims. High-risk drivers are statistically involved in a more accidents than the average driver.

Some common factors that can contribute to a driver being considered high-risk include:

  • A history of accidents or traffic violations
  • Having a major driving conviction
  • Number of penalty points on your licence
  • A previous driving ban or revocation of licence
  • Young age or lack of driving experience
  • A history of driving under the influence of drugs or alcohol
  • A high-performance or modified vehicle
  • A history of claims or high claims frequency
  • Living in a high-crime area
  • A poor credit score

It’s important to note that not all high-risk drivers will fall into one of these categories, and the factors that determine a driver’s risk profile can vary depending on the insurance provider.

How Much Does Disqualified Driver Insurance Cost?

The cost of disqualified driver insurance will vary depending on a number of factors. These include the driver’s history, penalty points on your licence, the type of driving ban and the type of vehicle they want to insure.

Banned driver insurance is often more expensive than regular car insurance due to the increased risk posed by the driver. On average, the cost of disqualified driver insurance can range from several hundred pounds to over a thousand pounds per year, although this can vary widely based on individual circumstances.

To get an accurate quote for you insurance, it’s best to speak with a specialist insurance provider and provide details about your driving history and the vehicle you want to insure.

How To Get Cheap Banned Driver Insurance

Here are some tips for receiving cheaper banned driver insurance quotes.

Frequently Asked Questions

While a driving ban or revocation of licence will make it more difficult for a banned driver to find insurance, there are insurance providers that specialise in providing coverage to high-risk drivers, including previously banned drivers.

Disqualified drivers who want to legally drive a vehicle must obtain insurance in order to comply with UK road traffic laws. This will require all drivers to be insured and have passed a driving test. By obtaining disqualified driver insurance, a previously disqualified driver can legally drive a vehicle and be covered in the event of an accident while on the road.

It is not possible to insure a driver whilst serving an active ban.

The restrictions on a banned driver’s insurance policy will depend on the insurance provider and the specific policy. However, some common restrictions that may apply to banned driver insurance policies include:

  1. Limitations on the type of vehicle that can be insured.
  2. Limitations on the distance that can be driven.
  3. Higher excess payments.
  4. Limits on the number of passengers.
  5. Limitations on the type of driving that is covered. (Personal, Business, etc.)
  6. Limitations on the geographic area where the vehicle can be driven.

It’s important to note that these restrictions will vary widely depending on the insurance provider and the specific policy, so it’s best to check with individual insurance providers for details on the restrictions that may apply to your policy.

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