Looking for Banned Driver Insurance?
Finding car insurance after disqualification can be daunting, but there are ways to make finding insurance following a driving ban easier.
Insurers are not permitted to take spent convictions into account when calculating premiums. However, re-applying for insurance after a break from driving is likely to increase your risk in the eyes of insurers. The length and reason for your ban, active points on your licence, your age and the value and security of the vehicle you are looking to insure, will all impact on quotations.
Common reasons for driving bans in the UK
The most common reasons that drivers are banned from UK roads include:
There are various types of speeding offence in the UK depending on your speed, where you were speeding and the type of vehicle you were driving. A ban for speeding is implemented at that courts discretion, although is more likely the greater the speed, especially if you were more than 45% over the speed limit, already have more than 6 points on your licence or passed your driving test within the last 2 years.
DR10 or drink driving is having 35 micrograms of alcohol per 100 millilitres of breath or 80 milligrams of alcohol per 100 millilitres of blood. Whether or not you are banned from driving for being over the limit is at the courts discretion and will often be depend on how much alcohol was in your system and the circumstances surrounding the offence.
Driving Without Insurance
Not surprisingly insurers take a dim view of this this particular offence. Driving without insurance IN10, is a criminal offence in the UK.
Also known in the UK as TT99, disqualification from Totting-Up means that you have exceeded the maximum of 12 points on your licence. This may be for varying offences, but when added up, results in a ban from driving.
Getting your licence back after a driving ban
After your licence has been revoked you will need reapply for it from the DVLA. A D27 application form should be sent to you automatically, if not you can order one online or collect one from the post office. When you receive this will depend on whether you are classed as a high risk offender or non-high risk offender.
Non-High Risk Offenders: can reapply to the DVLA 56 days prior to reinstatement.
High Risk Offenders: can reapply 90 days before the disqualification ends. This is to allow time to take the required medical assessment.
Finding car insurance following a driving ban
Returning to the road after a driving ban doesn’t need to be complicated. Although everyone’s circumstances are different, the following steps are a useful guide to getting the best deal:
Banned Driver Insurance – Useful FAQs
If you are considered a high risk offender then you will be required to pay for and undertake a medical assessment before you can reapply for your driving licence.
Insurance providers by law are not allowed to make policy decisions based on spent convictions. If you think that they have you could take it up with the financial ombudsman.