Can You Keep Your Car Insured Whilst You’re Disqualified From Driving?
Even if you’re disqualified from driving, you might still need to insure your car, especially if it’s parked on a public road. In the UK, it’s a legal requirement to insure any vehicle that isn’t declared off the road with a Statutory Off Road Notification (SORN). Without insurance, you could face fines or penalties.
If you’re not driving, but still own the vehicle, you have a few options:
- Add a named driver: You can add another person, such as a family member or friend, as a named driver on your policy. This allows them to legally drive the car whilst your licence is suspended.
- Laid-up insurance: If your car won’t be driven at all during your suspension, you could switch to laid-up insurance. This type of cover may protect your vehicle against theft, fire, or damage whilst it’s off the road but doesn’t include driving cover.
Keeping your car insured whilst you’re not driving it ensures that you stay compliant with the law and avoid additional costs down the line.
What Is Specialist Car Insurance For Drivers With Suspended Licences?
Some mainstream insurers may refuse to cover you if your licence has been suspended, as they consider it too risky. However, there are specialist providers that offer policies specifically designed for individuals in your situation.
These policies typically come with higher premiums, as insurers perceive drivers with a history of licence suspension as more likely to file a claim. However, they offer a vital solution for keeping your car insured. It’s important to shop around and compare quotes from different insurers to look for the best deal.
- Tailored cover: Specialist insurers often offer policies that are specifically designed for drivers with suspended or revoked licences, with flexibility depending on your situation.
- Higher premiums: Whilst premiums may be higher owing to the increased risk, having insurance in place would be highly wise to avoid legal complications.
- Limited options: Your choices may be limited compared to standard insurance policies, but specialist insurers can provide the protection you need.
What Factors Affect Your Insurance Premium After A Licence Suspension?
If you’ve had your licence suspended, insurers may look at several factors when determining your premium. Understanding these factors can help you anticipate what your policy might cost and what you can do to mitigate the higher charges.
The main factors that insurers consider include:
- Reason for suspension: Whether your licence was suspended for speeding, drink-driving, or accumulating too many penalty points, the reason behind the suspension plays a significant role in the premium you’ll be charged.
- Length of suspension: A short-term suspension may have a lesser impact on your premiums than a lengthy ban, which suggests a more serious offence or risk.
- Driving history: Insurers might assess your overall driving record, including previous claims, accidents, or convictions, to determine your risk level.
- Your age and experience: Younger, less experienced drivers with a suspended licence are likely to face higher premiums than older, more experienced drivers.
- The type of vehicle: The make and model of your car can also affect the cost of your insurance. High-performance or expensive vehicles may attract higher premiums.
Being aware of these factors can help you take steps to reduce your premium where possible, such as choosing a less expensive vehicle or considering additional security measures to reduce the risk of theft.
Can You Get Insurance If You’re In The Process Of Getting Your Licence Reinstated?
If your suspension is temporary and you’re working towards having your licence reinstated, you may be wondering whether you can still insure your car in the meantime. In many cases, insurers may allow you to take out a policy, but you must be transparent about your driving status.
Once your licence is reinstated, your insurer may adjust your premium or require you to update your policy. It’s important to keep your insurance provider informed throughout the process to avoid complications or invalidating your cover.
During the reinstatement process, consider adding a named driver to your policy or opting for laid-up insurance if the car isn’t being driven.
How Can You Lower Your Premium After A Licence Suspension?
If your licence has been suspended and your insurance premiums have increased as a result, there are still ways to reduce the cost of your cover. Insurers are often mighting to offer discounts or reduced premiums if you take steps to improve your driving behaviour or reduce the risk of an accident.
- Complete a driving course: Some insurers offer discounts to drivers who complete advanced driving courses, especially after a licence suspension. These courses demonstrate a commitment to improving driving skills and safety.
- Install security features: Adding security features to your vehicle, such as an alarm, immobiliser, or tracking device, can help lower your premium by reducing the risk of theft.
- Opt for a higher excess: Volunteering to pay a higher excess-the amount you contribute towards a claim-can reduce your monthly or annual premium. Be sure you can afford the excess in case of a claim.
- Maintain a clean record: After your suspension ends, avoiding further driving infractions or accidents may help lower your premium over time as insurers see you as less of a risk.
By taking these steps, you can demonstrate to insurers that you’re committed to being a safer and more responsible driver, potentially reducing your premium.
What Should You Do If Your Insurer Cancels Your Policy After A Suspension?
In some cases, insurers may cancel your policy after learning about your licence suspension, especially if the suspension is related to a serious offence such as drink-driving. If this happens, it’s important to act quickly to avoid being uninsured.
Here’s what you should do:
- Look for a new insurer: If your current insurer cancels your policy, start looking for a new provider immediately. Specialist insurers may be more willing to cover drivers with a suspension history.
- Be honest about your situation: When applying for a new policy, be upfront about your licence suspension. Providing false information can lead to your policy being invalidated if your insurer look fors out later.
- Consider temporary cover: If you’re only looking to insure your car for a short period whilst you sort out your licence, short-term insurance could provide a solution.
Having your policy cancelled can feel stressful, but by acting quickly and being transparent with new insurers, you can still secure the cover you need.
Is It Worth Adding Legal Protection To Your Insurance After A Licence Suspension?
After a licence suspension, you may want to consider adding legal protection to your insurance policy. This cover can help you with the legal costs associated with defending any driving-related claims or pursuing compensation after an accident.
Whilst this is typically an optional extra, legal protection could be especially useful if you’re concerned about potential disputes or legal complications following your suspension. It provides peace of mind, knowing that you’re covered for any legal expenses that might arise.
Conclusion: Exploring Insurance Options After A Licence Suspension
Having your licence suspended can make getting car insurance more complicated, but it’s still possible. Whether you opt for specialist insurers, add a named driver to your policy, or choose laid-up cover, there are ways to ensure your vehicle remains protected during and after your suspension.
Looking to look for the right insurance after a licence suspension? Compare quotes today to explore your options and secure the cover that suits your situation best.
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