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Compare Insurance for Banned Drivers – Compare Cheap Quotes
If you’ve previously been banned from driving due to a serious motoring conviction and are ready to get behind the wheel again you’re likely to find that car insurance for banned drivers will cost a lot more than you were paying before you lost your licence.
Of course, that doesn’t mean you shouldn’t shop around for the best deals when you’re looking for banned driver insurance. In fact, when your premiums are likely to rise it becomes even more important that you compare quotes from a wide range of different providers, because that way you increase your odds of finding a suitable banned driver insurance policy at a price that won’t break the bank.
And that’s where we come in – Quotezone.co.uk’s convicted driver car insurance comparison service can help motorists who have previously lost their licence due to a driving ban, by enabling them to compare banned driver insurance quotes from a range of different providers side by side.
When can I start driving again after a driving ban?
For a driver to be disqualified/banned you will have accumulated 12 or more penalty points on your licence within a 3 year period. As soon as your ban is spent, you will be eligible to take out cover in order to drive again. If you yet to serve your ban you unfortunately won’t be eligible for motor insurance at this time.
Why is car insurance for banned drivers so expensive?
When a driver receives a driving ban it’s either likely to be because they have committed a very serious motoring violation, or because they have committed a series of different violations that have gradually clocked up 12 points on their licence (known as ‘totting-up’). In either of those two scenarios, that motorist represents a much higher risk to the insurance provider, because insurance claims data indicates that those drivers are more likely to claim on their insurance than someone with a clean driving record. Essentially insurers will always try and minimise their risk of needing to pay out a claim. Whilst they are legally obliged to compensate you for the cover you’ve paid for, insurers will obviously try and ensure they charge the correct amount relevant to the risk of a policy holder making a claim. This is to protect their revenue and ensure they don’t suffer financial loss of risky driver claims.
In addition, when you’re looking for banned driver insurance you’re likely to find that fewer insurance providers are willing to insure you, because some providers have underwriting terms that deem policyholders with driving banned as too risky. Having fewer insurance providers to choose from can obviously make it harder to find cheap car insurance for banned drivers.
What can I do to find cheap convicted driver insurance?
Whilst it may seem like the odds are stacked against you as a convicted driver, it is still possible to get insured and legally back out on the road. If you’re looking to find cheaper car insurance for a convicted driver the most important thing you can do to increase your odds of finding a suitable policy is to compare quotes from a wide range of providers.
Different insurance providers can have very different underwriting terms, which means some insurers might weight risk factors like driving convictions very different from others.
That’s one of the reasons why accepting your existing provider’s renewal quote is rarely likely to be the cheapest option – your risk profile has changed quite considerably following your driving conviction, so an alternative provider might be able to offer you a cheaper quote if their underwriting terms differ.
In addition to shopping around for convicted driver insurance quotes from a range of different providers, there are a number of other things that might help you find cheaper insurance for convicted drivers. For example, some of these suggestions are worth considering:
- Downgrading your car for one in a lower insurance group – while this might sound drastic, it’s worth considering if the cost you’re being quoted for convicted driver insurance is out of your budget. Cars with bigger, faster engines usually fall into higher insurance groups, so by trading in your motor for one with a smaller engine you could benefit from cheaper car insurance for convicted drivers.
- Parking your car in a garage or on a private driveway (assuming you have that option, of course) – cars that are parked on a private driveway or in a garage have a lower risk of being stolen, vandalised or hit by a passing car.
- Letting a more experienced motorist borrow your car from time to time – If you happen to be a younger driver (and statistically speaking, young drivers are more likely to be convicted of motoring offences) you could benefit from cheaper convicted driver insurance if you agree to let a more experienced motorist with a clean driving record borrow your car. You won’t be driving the car yourself when this ‘named driver’ is borrowing it, which should mean you’ll be clocking up fewer miles yourself.
- Opting for a black box insurance policy – One way to help offset some of the risk you represent as a driver with motoring convictions is to provide the insurer with more information about your driving habits and adherence to the rules of the road. Telematics car insurance (or black box insurance, as it’s also known) is designed to give the insurance provider precisely this information, by installing a device in your vehicle that tracks your driving.
- Taking an advanced driving test (such as the ‘Pass Plus’ or ‘RoSPA Advanced Drivers and Riders’ test) – It’s not a universal rule, but some insurance companies might offer you a lower premium because these courses can help to prove that you’re a safety-conscious driver.
- Paying for the full year upfront – This can sometimes be a painful pill to swallow when your premium is very high, but if you’re able to pay the full amount upfront you could save quite a bit of money versus a monthly payment plan.
What do I need to declare to an insurer as a previously banned driver?
You will be required to declare the following when filling out your personal details for a quote:
Unspent convictions – If a conviction is unspent this essentially means that it still remains on your driving record. Different offences can remain on your record for different lengths of time, if a conviction is still on your record, unspent, you’ll need to declare this. Under the Rehabilitation of Offenders Act 1974, you do not need to declare any spent convictions. This means if that once your conviction/s expire from your record, they’ll be considered spent and can no longer be used against you, even if your insurer asks.
What our experts say:
“As counterintuitive as it seems, third party car insurance is often a more expensive option for many drivers, and it also leaves people at risk of further financial damage, so we’d always recommend fully comprehensive, if possible, especially when it’s actually a cheaper policy for many drivers and the cost of parts and repairs are surging.” – Greg Wilson, Founder of Quotezone.co.uk
How can Quotezone help to find cheap banned driver car insurance?
Quotezone.co.uk will help you to find cheaper car insurance through our panel of specialist UK based insurance providers. More than 3 million users so far have compared insurance with us for cheaper deals, so give it a try yourself and find a great policy today!