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Disqualified Driver Insurance Comparison
If you were disqualified from driving due to a prior motoring conviction you probably won’t be surprised to learn that once you do get your licence back the cost of your ‘disqualified driver insurance’ is likely to be considerably higher than you were used to paying for car insurance before you received the motoring conviction.
Of course, that doesn’t mean you shouldn’t shop around for cheap disqualified driver insurance quotes. In fact, when you need any type of ‘convicted driver insurance’ it’s even more important than usual that you shop around for the best quotes by comparing prices from a wide range of different providers. By doing that you stand a far better chance of finding a suitable disqualified driver insurance policy at a price that won’t break the bank.
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What is disqualified driver car insurance?
It’s basically car insurance for any motorist who needs to take out a new policy after a period of disqualification. Because drivers who have previously received a driving ban represent a higher risk to insurance providers, this type of policy is usually significantly more expensive than a standard car insurance policy.
It’s also important to bear in mind that some car insurance companies aren’t willing to insure disqualified drivers at all, which means the range of providers you can choose between after a period of disqualification might be more limited.
Why does disqualified driver car insurance cost so much?
Drivers with motoring convictions represent a higher insurance risk to insurance companies, because statistically speaking these motorists are more likely to be involved in an accident and more likely to claim on their insurance. And while the fact that you have a previous disqualification on your driving record is just one of the factors insurance providers will use to assess your risk profile, it is definitely one that will result in higher car insurance premiums.
How much does car insurance cost for drivers who were previously disqualified?
There’s no easy way to answer that question, because a driver’s previous driving ban is just one of the variables car insurance companies use when they’re calculating their disqualified driver insurance premium. The driver’s age, occupation and location will all factor into that calculation too, as will the type of car the policyholder drives, how long they’ve held their licence and how many points they have on their licence.
However, it’s fair to assume that car insurance after a disqualification is likely to be much more expensive than the premiums you were previously paying before, because the motoring offence that resulted in the disqualification would work against you.
How can I find cheap disqualified driver insurance?
First and foremost, if you’re looking for cheap car insurance after your disqualification ends you need to shop around by comparing quotes from a wide range of providers. That way you stand a better chance of finding a provider who specialises in insuring drivers with these types of motoring convictions, or at least one who doesn’t hike their premiums quite as much when motorists have them.
In addition to shopping around for cheaper disqualified driver insurance quotes from a range of different providers, there are a number of other things that might help you find cheaper insurance. For starters, you could try:
- Opting for telematics insurance – One way to help offset some of the risk you represent as a disqualified driver is to provide the insurer with more data about your driving. Telematics 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 speed, handling, braking as well as where and when you drive.
- Parking in a garage or on a private driveway – 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, which could help offset some of the other risks you represent as a disqualified driver.
- Paying for the full year upfront – This can sometimes be a painful pill to swallow when your disqualified driver insurance 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.