Being disqualified from driving can be a significant blow but the problems don't stop when the ban lifts. For many, finding affordable car insurance can seem like an uphill battle. However; there is help available!
The Consequences of a Driving Ban on Insurance
An insurer calculates your premium based on risk. Simply put, how likely are you to make a claim? Unsurprisingly, having a driving ban on your record is a red flag. It tells insurers that you have previously engaged in risky behaviour. Consequently, your insurance premium may soar, or some insurers might refuse to offer you a policy altogether.
How Driving Bans Come About
Driving bans, or disqualifications, can occur for a variety of reasons. From accruing too many penalty points to more serious offences such as dangerous or drunk driving. Regardless of the reason, the result is the same: a period without driving and a significant mark on your record.
Finding Car Insurance Post-Ban
Whilst finding car insurance after a ban can be a bit of a jigsaw puzzle, there are pieces that fit. Here's how you can find them.
Some insurers specialise in providing insurance for drivers with previous convictions, including bans. While their premiums might be higher than standard policies, they're often cheaper than mainstream insurers would offer in the same circumstance.
Comparison Websites - A Friend Indeed
Comparison websites can help you see the range of options available to you. Keep in mind, though, that not all insurers are on these sites, and it might be beneficial to visit some insurers' websites directly.
Adjusting Your Excess
Increasing your voluntary excess – the amount you contribute towards a claim – can reduce your premium. Be aware, though, that in the event of a claim, you'll need to pay this sum.
Brushing Up on Your Driving
Consider taking an advanced or refresher driving course. Not only can this improve your skills and confidence on the road, but some insurers may also offer a reduced premium for drivers who've completed recognised courses.
Keep Mileage Down
If you can reduce your annual mileage, you may be able to lower your premium. To insurers, less time on the road equals less risk.Secure Your Car
Extra security features, such as an immobiliser or a tracking device, can reduce the risk of theft and, in turn, might reduce your premium.
Telematics - The Black Box Solution
Telematics, or black box, insurance could be a viable option for previously banned drivers. A device in your car measures your driving habits and sends this data to your insurer. Drive safely, and your premiums could drop.
Patience is a Virtue
Over time, the impact of a driving ban on your insurance premium will decrease. If you keep your driving record clean post-ban, you should see your premiums start to drop. Driving convictions generally need to be declared to insurers for five years, but the exact time depends on the offence.
- Penalty points and insurance
- Offences which lead to bans
- getting insurance with a criminal record
- Insurance for banned drivers
- DUI (Driving Under The Influence) convictions
- Policies for drivers with speeding convictions
- How to stop penalty points costing you money
- Affordable insurance for convicted drivers
- Getting a ban lifted early
- Rehabilitation of Offenders Act
- Appealing against a driving ban
- Cancelled new driving licences
- Driving Without Insurance