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. Car insurance companies often assess these drivers as high-risk, making it challenging for them to obtain coverage.
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. Driving convictions can significantly impact insurance premiums, as these drivers are seen as higher risk. It is crucial to find specialized providers or use comparison sites to secure the best possible rates.
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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. Convicted driver car insurance plays a crucial role in providing coverage for banned drivers, offering specialized options tailored to their needs.
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. Comparing quotes from specialized providers can also help in finding cheaper car insurance, ensuring that drivers with convictions secure the best possible rates.
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 more accidents than the average driver. Specialized driver car insurance policies are often required for these individuals, especially those with convictions such as drug or drink driving.
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 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
Dangerous driving is a major conviction that can significantly impact insurance premiums, often leading to higher costs and difficulty in obtaining coverage.
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.
Impact of Convictions on Insurance Rates
Having a conviction on your driving record can significantly impact your car insurance rates. Insurance providers consider various factors when determining your premium, including your driving history, age, location, and vehicle type. A conviction can increase your premium by up to 50% or more, depending on the severity of the offence.
The type of conviction plays a crucial role in determining your insurance rate. For example, a drink driving conviction is generally viewed as more serious than a speeding conviction and may result in a higher premium. Additionally, the number of points on your license can also affect your insurance rate, with more points leading to higher premiums.
Despite the challenges, there are ways to mitigate the impact of a conviction on your insurance rate. Completing a driver rehabilitation course or installing a dash cam in your vehicle can demonstrate to insurance providers that you are committed to safe driving, potentially resulting in lower premiums. It’s also important to note that not all insurance providers offer convicted driver insurance, and those that do may have stricter terms and conditions. Shopping around and comparing quotes from multiple providers can help you find the best deal and ensure you have adequate coverage.
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 find the cheapest car insurance for disqualified drivers, it is crucial to compare quotes from multiple providers. This helps in discovering better deals and strategies to lower premiums.
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.
Other insurance companies often complicate the process with standard offerings, but specialized providers offer simpler, more user-friendly services tailored to specific needs.
Frequently Asked Questions
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