What Happens If I Don’t Tell Insurance Company About Ban?
Have you been banned from driving and are unsure about what to do next? Are you worried about how to find affordable car insurance after a conviction or with points on your license? You’re not alone. Each month, over 1,000 people visit this blog looking for answers to these questions.
In this guide, we aim to help you understand:
- What happens if you don’t inform your insurance company about your ban.
- How to find the cheapest car insurance even with a conviction.
- The reasons why drivers get driving bans and if bans for penalty points are different.
- How a conviction can affect your car insurance premiums.
- Your options if you’re refused car insurance due to a conviction.
We have years of experience guiding people just like you to navigate the world of convicted driver insurance. We understand how stressful it can be dealing with a driving ban and the effect it can have on your insurance. This guide offers factual advice to help you through this challenging time. So, let’s get started and help you find a way forward.
Do I Have To Tell My Insurance if I Get Banned?
If you are a disqualified driver looking for cheap car insurance, you are legally obliged to tell your insurer about your ban. You must also tell them about any unspent convictions you have. You don’t need to tell them about spent convictions.
What Happens if You Don’t Tell Insurance About a Ban?
If you don’t tell your car insurance provider about your previous bans, such as a drunk driving ban, unspent convictions and penalty points on your licence, you will be obtaining car insurance by fraudulent means. This would be a further motoring offence and potential criminal conviction if you are caught.
Will points ruin my insurance?
| Points | Insurance increase |
|---|---|
| 3 Points | 5% |
| 6 Points | 25%+ |
| 10-12 Points | 80%+ |
The best way to find better deals is to use companies who specialise in insuring drivers with convictions and points.
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Will a Driving Ban Affect My Insurance?
Having been banned from driving for some reason, such as drunk driving, will mean that a car insurance provider sees you as a much higher risk to insure. This means that it will be much harder to get affordable car insurance.
How Does Having a Conviction Affect My Car Insurance?
A driving disqualification, such as a drunk driving ban, and any conviction for motoring offences is going to make it harder to get cheap car insurance. How much you have to pay for insurance after a ban depends on the severity of the motoring offences that lead to the ban.
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What Happens if My Conviction Is Spent?
If you have spent convictions, meaning they no longer appear on your driving record, they should have no impact on your car insurance. You don’t need to tell an insurance provider about spent convictions when the penalty points are no longer on your driving licence.
How Long Do Disqualifications Last?
A driving disqualification can last from just 6 months to being banned from driving permanently. The more serious the driving offence, the longer the ban will be.
What Happens at the End of a Driving Ban?
At the end of your ban, the Driver and Vehicle Licensing Authority (DVLA) will send you a form to fill in, and once your ban is up, the DVLA will send your licence back.
My Driving Ban Has Finished – Do I Have To Tell a New Insurance Company?
If your ban is up, and the penalty points are spent, there is no reason to tell your new insurance firm about the ban. You do not need to tell them about spent convictions either.
How Do I Get My Driving Licence Back After a Ban?
The process for getting your driving licence back is automated, and I explained it in a previous section. The DVLA will contact you when it is near the time for your ban to be up.
Can I Insure My Car While Banned?
If you are banned from driving and have penalty points on your licence, you cannot insure a vehicle at all, as no insurance firm will insure you.
Can Someone Else Drive My Car if I Am Banned?
As long as the person who wants to drive your car has valid insurance to do so, there is no problem with them driving your car while you are disqualified.
