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Car insurance for previously disqualified drivers

Car insurance for previously disqualified drivers

Find out how to save on your car insurance if you’ve previously been disqualified from driving.

For people with a previous driving disqualification, affordable car insurance can be hard to find. Read our guide and learn how to save on car insurance if you’ve had a driving ban.

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I’ve just been disqualified — do I have to inform my insurer?

If you’ve been disqualified from driving you must inform your insurer straight away. You’re technically in breach of your car insurance contract as you no longer hold a valid licence. If you’ve been banned temporarily and want to keep your car for when you’re back on the road, your car is legally required to be insured for third party damage, unless you apply for a SORN (statutory off-road notice). Once you’ve been sentenced to a driving disqualification you’ll need to call your insurer and they should temporarily amend your policy for the duration of your driving ban.

Can I get insured if I’ve been previously been disqualified?

It may be more difficult to get insured after being disqualified from driving, but it’s not impossible. In fact insurance is a legal requirement, so certainly not something you can overlook after a ban. If you get caught without insurance you could even get disqualified again, and there’s a maximum fine of £5000.

You’re probably eager to get back on the road, so the first thing you should do once you receive your new licence is to contact your insurer and tell them you plan to drive again.

How much will a previous driving ban affect my car insurance costs?

Some big-name insurers refuse to insure drivers after a disqualification, but don’t panic if your insurer says they cannot cover you — there are a number of specialist insurers that will.

Once you do find an insurer, it’s likely your car insurance premium will be considerably higher than before your ban. Disqualifications are only handed out for very serious driving offences (or if you've committed several minor offences), so insurers will treat you as a high risk and raise your premium to reflect this. They also may increase the excess you need to pay if you do make a claim.

Your driving disqualification is likely to affect your car insurance costs for five years, as insurers usually ask about any driving convictions within this period.

How to save on car insurance if you’ve been previously disqualified

If you’re buying a new car to get back on the road, consider choosing one in a lower insurance group. These are usually cars with smaller engines and better safety ratings — you’ll struggle to insure a Ferrari after a disqualification period. Read our guide on the cheapest cars to insure.

Some insurers will give discounts for any approved courses you’ve taken as part of your conviction, such as a speed awareness or drink driver rehabilitation course. It’s recommended you take one of these courses if they are offered to you, as the long-term savings on your car insurance could outweigh the initial cost of the course.

The best way to save money on car insurance after a ban is to shop around. Many of the more popular providers will not insure high-risk drivers such as those with previous bans, so consider one of the many specialist insurers that provide cover to those who can’t find it elsewhere. Some of these specialist providers may even consider any no-claims bonus you accrued before your ban, which could help to reduce your costs.

You can compare quotes from a number of providers using the tool below:

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See a range of car insurance quotes in just a few minutes when you compare with Uswitch

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