Disqualified Driver Car Insurance [Expert Review]

Car insurance for disqualified drivers rates will be higher because of convictions and perceived higher risk and may be declined coverage by some auto insurance companies. Car insurance for disqualified drivers also does not cover the driver during their suspension.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 18, 2020

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Here's what you need to know...

  • It is possible to be disqualified from driving in the UK
  • Disqualifications occur if you get too many points on your license
  • You run the risk of permanently losing your license if you continue to accumulate points

No one wants to be disqualified from driving. However, the laws in the UK are very strict and as such, you may find that you are disqualified from driving for as little as three months for your first major infraction or for life if you have multiple infractions.

Typically, in order to be disqualified, you will have to accumulate 12 points on your driving license.

One of the fastest ways to accumulate points and become disqualified is by driving without the required insurance; this infraction will garner you six points at one time and possibly an immediate disqualification.

The question that many people have is, once they are disqualified, will car insurance companies continue to insure them?

Car insurance after disqualification may not be as easy to get. While there is no way to be sure because this will be based on your specific situation, if this is the first time you have ever been disqualified, car insurance companies will more than likely still insure you once the disqualification is over.

If you’re looking for auto insurance for disqualified drivers, enter your ZIP code now to compare free quotes online and find the cheapest car insurance.

Disqualified Car Insurance Rates Higher than Before

How do I get insurance after a ban?

Once you are disqualified, car insurance with points on your license will mean increased rates.

The truth is, if you do something that warrants a disqualification, insurance companies will consider you to be a high-risk driver, even if your offense was driving without the appropriate car insurance coverage.

How does driving ban affect insurance? If you are a younger driver, you need to understand that a driving disqualification affects your rates for the rest of your life. Every time you apply for car insurance, you will be asked whether you have ever been disqualified from driving.

The implications here are serious as you won’t ever be able to qualify for the cheapest insurance possible.

In addition, when points are accumulated on your license, the amount of points is based on the endorsement received. An endorsement refers to the reason that you received the points on your license. For instance, car insurance with nine penalty points will difficult, but you need to really be careful, as you’ll be suspended at 12 points.

You will find that the endorsements will stay on your license for up to 11 years, depending on what your infraction is.

However, the actual points are released after three years, removing the threat of being disqualified from driving.

This table from Gov.uk shows how long a disqualification can last.

Disqualification Periods for Driving Offenses in the U.K.
Driving OffenseLength of U.K. Driving Ban
12 or more penalty points within 3 years (disqualification)6 months
If you get a second disqualification withing 3 years12 months
If you get a third disqualification within 3 years2 years
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This video from ComparetheMarket explains a bit about convicted driver insurance.

It’s important to note that, if your disqualification is for 56 days or more, you must apply for a new license before you can legally drive again. Also, you might have to retake your driving test.

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Car Insurance Won’t Pay for an Accident While You’re Disqualified

Many people are tempted to drive while disqualified. Car insurance does not protect you if you drive under these conditions.

Some individuals feel that if they drive in France, Ireland, Scotland, or any of the surrounding areas that their disqualification doesn’t apply, but they are wrong. Essentially, in these cases, you are driving without insurance at all.

If you are in an accident, then you are driving without protection.

If you cause the accident, not only will you face serious fines but you will also face jail time and a permanent ban on your driving license.

If you aren’t the cause of the accident, the penalties still apply.

What’s more, you won’t be eligible for the UK-based insurance coverage for the damages to your vehicle or the medical care you need.

Before you get behind the wheel of your car while disqualified, consider what it might cost you if you are in an accident. Is it worth the possible permanent loss of your driving license?

Car Insurance Companies May Not Insure You Again

Why is my car insurance being declined? It is important to understand that if you receive a permanent disqualification, you will not be able to purchase car insurance again.

You might think that you can circumvent the system by driving without a driving license, but in order to do this, you will also have to drive without insurance as well.

Insurance companies will run a driving license check on you and, once they see you are banned from driving, they will simply tell you to go away.

It doesn’t matter how unjust you feel this is, the bottom line is that you don’t want to let things get to this point.

To avoid a permanent disqualification, you need to be sure that you respect the laws in the UK and don’t drive while your license is disqualified. You also need to ensure that you don’t drive without car insurance.

Frequently Asked Questions: Disqualified Car Insurance

We’ve added a few more FAQs below about disqualified car insurance.

How much does insurance go up after a drink driving ban?

Car insurers don’t like drink-driving convictions, and they have to right to refuse you if you have one. If they do decide to quote you, you’ll be high-risk and therefore will have to pay more.

Your car insurance rates could increase by 115 percent annually if you have one drink-driving conviction.

How long do I have to declare drunk driving to insurance?

If you get a DR10 endorsement or drink driving conviction, that will remain on your record for 11 years from the date of the conviction. However, the Rehabilitation of Offenders Act of 1974 states that these points are considered “spent” after five years. At that point, it shouldn’t be on your record regarding car insurance. But car insurance with three years of conviction history will mean you’re paying more.

Can you get temporary car insurance?

Unlike many other countries, you may be able to qualify for short-term car insurance in the U.K. The key to getting the best car or van insurance is to shop around.

And if you’re planning on hopping across the pond, look into how to get car insurance while you are out of the U.S. for the period of time you’ll be there.

Enter your ZIP code below to access cheap car insurance rates and find the best insurance if you have points in your area today.

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