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Cheap car insurance after a ban


Here’s how you can get covered, even after previously being disqualified from driving.

woman with a latop

A conviction for dangerous driving, persistent speeding or drink-driving can result in a motoring ban lasting months or even years.

Once that’s lifted, how will your car insurance be affected?

Some car insurance providers won’t offer quotes for drivers who’ve been banned, or will only offer sky-high premiums.

But if you find yourself in this situation, there’s a lot you can do to keep your prices at a minimum.

Crack the code

Some car insurance companies cover drivers who‘ve been banned for certain convictions but not all, so make sure you have the precise conviction code to hand.

This should be on your court documents and your new driving licence. Check with the DVLA if you’re not sure.

“Insurance brokers can cover all motoring convictions although some particular insurers will only want to cover minor convictions,” says Graeme Trudgill at the British Insurance Brokers Association (BIBA). 

“Some common convictions seen as ‘minor’ include SP30 (speeding), TS20 (traffic signals) and CU20 (driving without reasonable consideration for other road users).”

Some insurers specialise in getting previously-disqualified drivers back on the road, so it helps to shop around and find an insurer who’ll suit your needs.

Dig out your no-claims bonus

Don’t forget your no-claims bonus (NCB), as some providers will take into account a NCB built up before your ban.

This may well be transferrable from one insurer to another, so it's worth checking.

Buy a cheaper car

BIBA recommends swapping a gas guzzler for a car with a lower ABI grade to significantly reduce your car insurance quote, no matter what your driving history.

Up the voluntary excess

Voluntary excess is what you agree to pay in the event of a car insurance claim, on top of the compulsory excess. 

Raising the excess tends to reduce your premiums, but it does mean you'll have to pay more of the costs if you have to make a claim.

Consider taking public transport to work

Woman alseep on the bus

If you use your car to commute to work, it'll likely bump up the price. 

Use the car for just “social and domestic” reasons and you’ll get a better deal, plus a lower annual mileage will also bring down the premium.

In short, ditch the wheels and take the bus.

Pay for car cover in one go

Paying for car insurance in monthly installments may feel easier on your bank balance but you’ll likely pay more over the course of a year. 

This is because many insurance providers offer discounts if you can stump up the entire year’s price in one go.

Consider a lower level of car insurance

The only compulsory level of cover is third-party only (TPO).

As such, you're not obliged to opt for more expensive levels of cover such as third party, fire and theft (TPF&T) and comprehensive

However, it’s vital that you understand the difference between the three levels of cover before choosing, as TPO could leave you with a large bill to pay if your car is written off, even if it’s not your fault.

Add an experienced driver

While additional drivers will generally drive up the cost of your car insurance, in some cases adding a more experienced driver with a healthy NCB and clean licence can actually reduce your costs.


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