Cheapest Car Insurance for Disqualified Drivers?

While I was checking to find out if I have been paying too much for my car coverage, I learned that driving convictions can have a massive impact on the cost of insurance. So in this post, I am going to look at the implications of being a convicted or disqualified driver and give some tips on how to find cheaper insurance for convicted drivers.

How to find the cheapest insurance with a conviction

If you’ve got a conviction or points, getting insurance through a standard provider could be more expensive. 

You might find cheaper deals through specialist insurers.

I’ve partnered with Quotezone who can help you find the best insurance specifically for convicted drivers with points.

Fill out the simple form below to find great quotes for convicted drivers today. 

What Does “Disqualified Driver” Mean?

First of all, being banned for driving (or disqualified) is not the same thing as having your licence revoked. A ban happens to convicted drivers, who have either accrued more than 11 points on their driving licence or committed a single offence which lead to a ban.

Can a Disqualified Driver Hold Car Insurance?

No, as a disqualified driver you cannot get car insurance at all, as no insurance providers will even give you a quote. Convicted driver’s car insurance is available though. Note, that if you are banned for a drunk driving conviction for example, you won’t even be able to pick up your car if it was impounded by the police, as driving without insurance could lead to further motoring convictions.

How Long After a Driving Ban Do You Have To Declare Insurance?

This depends on the insurance company. But you should, in general, tell your insurance provider as soon as you have been banned, as it is likely that your car insurance is already invalid due to your motoring offences that lead to the ban.

What if I Don’t Disclose My Conviction to a Car Insurance Provider?

If you do not tell the insurance company about your driving ban, you are going to be driving without valid motor insurance. Doing this can lead to further driving convictions and even criminal convictions in some cases.

Don’t get ripped off by insurance companies

Getting affordable car insurance with a conviction or points can feel impossible, especially if you’re using standard comparison websites. 

Luckily, there are some specialist insurers out there… you just need to know where to find them!

I’ve partnered with Quotezone to provide access to some of the best specialist convicted drivers’ insurance deals available.

GET A QUOTE

In partnership with QuoteZone

How Long Does a Driving Ban Affect Your Insurance?

Once your ban is over, you can expect it to have an impact on your ability to get affordable car insurance for up to 5 years. 

How Much Does Insurance Go Up After a Ban?

If you have just come off of a driving ban, you can expect the cost of your car insurance premiums to go up by at least 100%. This is because you are seen as a high risk driver by insurers.

Do Car Insurance Companies Check Driving Licences?

No, your insurance firm will not check your driving convictions and whether you have been disqualified from driving. It is up to you to be truthful about this. If you lie and are found to have obtained insurance fraudulently, this could lead to a criminal conviction.

Is My Insurance Void if I’m Banned?

As there is no such thing as banned driver insurance, your current insurance policy would indeed be deemed void. It is an offence to drive a vehicle without insurance, so you can’t just go on driving.

What Happens After You Have Been Disqualified From Driving?

If you have been disqualified from driving, it means you can no longer drive any vehicle until you get your licence back. Furthermore, the unspent conviction that the ban relates to will stay on your driving record until it is spent. Until such time, it will be very hard to find affordable cover. However, spent convictions shouldn’t have an impact on your being able to get cheaper insurance.

Can a Banned Driver Still Insure a Car?

As a convicted driver who is currently under a driving ban, no insurance company is going to provide you with car insurance quotes, let alone actual cover. As I said previously, you can get cover if you are a convicted driver once the ban is up.

Can You Get Car Insurance After Disqualification?

Once your disqualification period is over and you have your licence back, you will be able to get insurance. However, you might be forced to go to a specialist car insurance firm, if traditional insurers won’t touch you. In this case, insurance for convicted drivers is always going to be more expensive. There is no such animal as cheap convicted driver insurance.

What if I Was Banned for Driving Without Insurance?

The reason for your ban doesn’t make much difference in the scheme of things. Most bans are seen in the same light by insurance firms. Including bans for:

• Dangerous driving, especially dangerous driving causes death or injury.
• Travelling significantly over the passenger vehicle speed limit, and other serious speeding offences.
• Drink driving and drug driving.
• Having more than 11 penalty points due to unspent convictions on your licence.
• Careless driving, especially careless driving causes death or injury.
• A criminal conviction for failing to pay a fixed penalty notice could result in a ban in extreme cases.

How Do You Get Away With Driving While Disqualified?

You cannot. Let me make this pain. You can never drive legally while you have been banned. You cannot get convicted driver’s car insurance if you are banned, and will always be driving illegally, and this will almost definitely lead to a further driving conviction.

What Happens if My Conviction Is Spent?

Once your ban is over and your convictions are all spent, you should be able to get cheap insurance from traditional insurers once again, without having to deal with specialist insurance brokers, etc.

Can You Get Temporary Car Insurance After a Ban?

Once again, the answer is no. There is no such thing as car insurance for convicted drivers who are also currently banned. No insurer will even give you a quote.

What Are My Options if I’m Refused Car Insurance Because of a Conviction?

If you have a driving conviction that resulted in a ban, and it remains unspent even though you have your licence back, you might be seen as too high risk to insure at all. In this case, all you can do if you can’t get convicted driver insurance is to wait until one or more convictions are spent.

Do I Need To Tell My Insurance Provider if I’m Convicted While I Have Car Insurance?

Most insurance firms will want you to tell them that you have received a conviction as soon as it comes into effect. If you don’t do this, your insurance might be invalid and this could lead to further driving offences causing convictions.

What Classes Me as a High-Risk Driver?

There are many reasons why you might be seen as a high-risk driver by vehicle insurance firms. I have listed some of them below.

• You are a convicted driver due to a speeding ticket or other motoring offence.
• You are a young driver.
• You drive a high-performance or expensive car.
• You have had a previous driving ban.
• You have many penalty points on your licence.

How To Get Cheap Car Insurance After a Ban?

Finding cheap convicted car insurance after you have been disqualified from driving, is not going to be simple. The best thing you can do is shop around for the best deals on convicted driver car insurance. You can use a comparison website or the services of a broker to help with this.

Affordable Convicted Driver Insurance

To help you avoid some of the ludicrously expensive packages out there and actually find something reasonable I’ve partnered with Quotezone.

They bring together some of the best specialist deals for convicted drivers to make your search easier. 

Try it below.

GET STARTED

In partnership with QuoteZone

What Is the Cheapest Car To Insure After a Ban?

One of the ways to reduce your insurance costs is to switch to a car in a much cheaper insurance band. Below, I have listed some of the cheapest cars to insure in the UK.

• Renault Clio
• Fiat 500
• Volkswagen Up
• Skoda Fabia
• Fiat Panda
• Volkswagen Polo
• MG3
• Hyundai i10
• Nissan Micra
• Toyota Aygo X
• Dacia Sandero
• Kia Picanto
• Ford Fiesta
• Kia Rio

Can Someone Else Drive My Car if I Am Banned?

Yes, somebody else can drive your car, even if you are banned. Must have a valid driving licence and a valid motor insurance policy to be able to drive it legally.