Car Insurance for Banned Drivers
Insurance for Banned Drivers
If you are getting back on the road having served a driving ban, you will likely find it more difficult to find car insurance as a previously banned driver.
Find the most competitive convicted driver quotes
Be prepared for these banned driver insurance quotes to be more expensive compared to quotes for drivers with no convictions; this is to compensate for the higher risk to the insurer.
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Some insurers will charge extortionate premiums, whilst some insurers will refuse to offer a policy for previously banned drivers. However, there are insurers who will offer competitively priced previously banned driver insurance. It is true that a banned driver insurance policy quote will be higher compared to car insurance for a driver with a clean driving record; this makes it even more important to shop around to find the best prices available. At Pricepoint Compare, we help you to find the best insurance price for banned drivers by providing you with multiple online quotes to choose from across the whole market.
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Driving without due care or attention
Failing to give identifying information on request
Receiving too many penalty points
Failing to obey a traffic signal
Driving without insurance
Using a mobile phone while driving
Speeding on a motorway
Speeding anywhere else
How much is insurance for a previously banned driver?
As with every insurance quote, there are many different factors that contribute towards the costs of a previously banned driver insurance quote. That being said, all insurance is based on risk; the higher the risk, the higher the premium. Previously banned drivers represent a higher risk to the insurer, and therefore you should expect a higher insurance premium cost compared to a driver with no previous convictions. Other factors that determine the price of the insurance quote include your vehicle, location, occupation and number of miles you expect to drive across the year.
Driving offences that will lead to you being viewed as higher risk include:
- Within a 10 year period you are convicted of 2 drink driving offences
- You refuse to provide a sample of breath, urine or blood when required to do so
- Driving when your blood alcohol level is equal or above 200 milligrams per 100 millilitres / breath alcohol level of 87.5 microgrammes of alcohol per 100 millilitres / urine alcohol level of 267.5 milligrammes per 100 millilitres
Tips to find cheap insurance for banned drivers
Conviction Date
A drink driving offence will stay on your driving record for 11 years from the date of conviction, not the date of the incident. You will need to tell your insurer about the drink driver conviction for five years after the conviction, after the five years the conviction is considered spent.
Types of Policy
You can typically add excess protection insurance onto comprehensive and third party, fire and theft car insurance policies. The insurance will provide cover for your full policy excess, including your voluntary and compulsory excess combined. However, you will likely only be able to claim your policy excess back on one car insurance claim per year of your policy.