Banned From Driving?

Posted on April 12, 2012 ยท Posted in Insurance Guides

What happens if I have points or have been banned from driving?

Firstly, the bad news – if you are currently banned from driving, you are not allowed to drive and will not find any form of car insurance until you have completed your ban.

If, on the other hand, you have recently served a ban or have received points on your licence, then you can both find your own car insurance, or be added as a named driver onto an existing multi car insurance policy.

Unfortunately for many drivers in this situation, their new policy, or inclusion on an existing one, is not guaranteed. Many insurance companies will not insure a previously banned driver and those that will only offer policies at very high prices, due to the fact that they view the driver as a high risk. The same goes for motorists who have many endorsements on their licence or have accrued a high number of penalty points.

It is also worth remembering that many insurers ask for details of any convictions or penalties that a licence has been endorsed with and that offences committed remain on a licence for between four and 11 years.

One positive is that if a driver has previously had a good insurance record, had built up a large no claims bonus prior to their ban, and the policy was active within the last two years, then some companies will take this into consideration and offer a reduction on their premium.

It may also be a wise move to shop around for a quote at this point. Insurers can offer wildly fluctuating cover for a driver with a history of a ban or with convictions and your previous car insurer may no longer be the cheapest option.