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5 Ridiculous Excuses For Drink Driving
It’s summer, and that means lots of BBQs, beach parties and festivals. It also means that thousands of people will risk driving home when they’ve had…
Banned DriverInsurance
Banned Driver Insurance
Been disqualified from driving? We help you find suitable cover ready for the moment your ban ends.
Been disqualified from driving? We help you find suitable cover ready for the moment your ban ends.
Enter your vehicle registration
No Judgement CoverCompare From Specialist InsurersExpert Support
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Talk to a specialist 0330 808 1548
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What is banned driver insurance?
Banned driver insurance is cover for drivers who have been disqualified from driving, arranged so it’s ready as soon as your ban ends. It works through specialist insurers who consider your specific circumstances.
“You can’t insure yourself to drive during a ban, but you can arrange cover in advance so it’s ready the moment it ends.”
The right cover depends on:
The offence behind your disqualificationHow you use your vehicleThe length of your banWhether you’ve retaken your test, if requiredHow long ago the ban ended (or will end)Any convictions since the ban
What caused your ban?
What caused your ban?
The offence behind your disqualification affects which cover fits best.
The offence behind your disqualification affects which cover fits best.
TT99 (Totting Up)
For disqualification from accumulating 12+ penalty points.
Drink Driving
For disqualification following a DR10, DR20 or DR30 conviction.
Dangerous Driving
For disqualification following a dangerous or careless driving conviction.
Drug Driving
For disqualification following a DG10 conviction, the most common drug driving code, or a DR80 or DR90 conviction for being unfit through drugs.
Uninsured Driving
For disqualification following an IN10 conviction.
Not Sure Which Applies?
Check your exact code and points on your DVLA driving record.
What could go wrong and what covers it?
What could go wrong and what covers it?
The situations drivers with a driving ban worry about most are being refused cover, paying far more than before, and a claim being questioned because the conviction wasn’t declared properly. The right policy deals with all three.
The situations drivers with a driving ban worry about most are being refused cover, paying far more than before, and a claim being questioned because the conviction wasn’t declared properly. The right policy deals with all three.
Is banned driver insurance right for you?
This type of cover may be suitable at any stage of or after a driving ban.
This cover may be suitable for:
Drivers Completing a BanYoung or New Drivers Who Were BannedDrivers Returning After a BanProfessional or Licensed DriversDrivers Retaking Their TestOlder Bans Still on LicenceReal-world scenarios. Real-world cover
Real-world scenarios. Real-world cover
These are the everyday situations we see for drivers with a driving ban, and the cover that responds in each case.
These are the everyday situations we see for drivers with a driving ban, and the cover that responds in each case.
Ban ending soon
Your disqualification period is coming to an end.
What typically happens
Arrange cover in advance for the moment your ban ends
Extended retest required
The court requires you to retake your test before driving again.
What typically happens
Cover starts once you hold a valid licence again
Renewal after disqualification
Your policy is due for renewal after your ban.
What typically happens
Premium increases, specialist insurer may be needed
Non-disclosure
You don’t tell a new insurer about your ban.
What typically happens
Policy can be voided entirely
What affects the cost of banned driver insurance?
Insurance after a ban is priced on why you were disqualified, how long the ban lasted, how recently it ended, whether you have been claim-free since, and the car and mileage you need cover for.
The offence behind your ban
More serious offences typically carry a higher premium than lower-risk ones.
Your driving history overall
A clean record aside from the ban may help your case.
Length of your ban
A longer disqualification can affect how insurers assess your risk.
Level of cover chosen
Third party, third party fire & theft or comprehensive cover all affect price differently.
How long ago the ban ended
More recent bans are generally viewed as higher risk than older ones.
How you use your vehicle
Personal or work-related driving can be assessed differently.
Common causes of disqualification
Common causes of disqualification
A quick reference, always confirm your exact code and ban details with the DVLA.
A quick reference, always confirm your exact code and ban details with the DVLA.
| Code | Offence | Typical penalty | Duration on licence |
|---|---|---|---|
TT99 | Totting up, 12+ points in 3 years | Disqualification | 4 years |
DR10 | Drink driving above the limit | 12 month ban minimum | 11 years |
DD40 | Dangerous driving | 12 month ban minimum, plus extended re-test | 4 years |
DG10 | Drug driving above the specified limit | 12 month ban minimum | 11 years |
DR80 | Driving while unfit through drugs | 12 month ban minimum | 11 years |
IN10 | Using a vehicle uninsured | 6-8 | 4 years |
BA10 | Driving while disqualified by court order | 6 | 4 years |
How the quote process works
How the quote process works
Simple steps. Expert advice. The right cover for your business.
Simple steps. Expert advice. The right cover for your business.
1
Tell us about your ban
Why you were banned, how long for, and when it ends or ended.
2
Tell us about you and your vehicle
Your age, driving history, and the vehicle you want to insure.
3
We find insurers who cover banned drivers
Most mainstream insurers won’t quote after a ban. Specialist insurers will.
4
Back on the road insured
We explain your options and time the cover to start when your ban finishes.
UK-based specialist advisersAccess to 20+ specialist insurersNo obligation, just expert helpTrusted by thousands of drivers across the UK
Trusted by thousands of drivers across the UK
From a single penalty point to a full disqualification, our customers trust Insurance Revolution to find the right cover and expert support when it matters.
From a single penalty point to a full disqualification, our customers trust Insurance Revolution to find the right cover and expert support when it matters.
Banned driver insights & guides
Banned driver insights & guides
Practical advice on totting up, disqualification and getting back on the road.
Practical advice on totting up, disqualification and getting back on the road.
A Guide To Drink Drive Codes
Learn what drink-drive codes such as DR10 and DR20 mean, how many penalty points they carry and how long they stay on your driving licence.
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Banned & Back: How to Get Car Insurance After a Drink Driving Conviction!
Getting back behind the wheel after a drink driving conviction isn’t easy. Many insurers either hike up their prices or refuse to cover you…
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Car Insurance After an IN10 Conviction: What Are Your Options?
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Convicted Driver Codes: A Guide
Convicted driver codes appear on your license once you’ve been convicted of a driving offence. They also come with penalty points, the amount depends…
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Declaring Drink Driving Convictions
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Do I Have To Redo My Driving Test If I’m Banned?
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DR10 Insurance Quotes Made Simple: Getting Cover After a Drink Driving Ban
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Drink Driving Myths Debunked
There are loads of myths surrounding drink driving, some of which are actually widely believed throughout the UK and beyond. We’ve compiled a list of…
Drink Driving Over The Christmas Period
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Drink Driving Statistics UK 2026: The Latest Facts and Figures
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Drink Driving Statistics, Greater Manchester Police
Explore Greater Manchester Police drink driving statistics, including alcohol-related offences and trends, and learn more about drink driving…
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Drug Driving in the UK: What Drivers Need to Know Before They Get Behind the Wheel
Drug driving continues to rise across the UK, and police officers now stop more drivers for drug driving than ever before. Many people assume drug…
Drug Driving Statistics
Looking for the quick facts? Here are the key statistics our research into drug driving uncovered: 1 in 20 of people in the UK admit to having driven…
DVLA Medical Drink Driving
After being convicted of a drink driving offence, High Risk Offenders will have to undergo a medical, which is given by a DVLA approved doctor, to…
Exceptional Hardship: What Is It?
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Finding Insurance With Criminal Or Driving Convictions
After you have received a criminal conviction, driving conviction, or finished a driving ban, it can be difficult to find insurance. This is because…
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From Convictions to Coverage: A Guide for High-Risk Drivers
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For many UK drivers, a motoring conviction like a DD40 (dangerous driving) or IN10 (driving without insurance) can lead to one harsh reality, such as…
Has Drink Driving Increased In The Past 10 Years In The UK?
Road accidents seem to be rising on the UK roads. According to reports, a fair share of road crashes are the inevitable result of drunk driving. If…
Frequently Asked Questions
Frequently Asked Questions
Find quick answers to common questions about banned driver insurance and disqualification.
Find quick answers to common questions about banned driver insurance and disqualification.
Banned driver insurance is cover arranged for a driver who has been disqualified, so it’s ready as soon as their ban ends. It works through specialist insurers who consider your specific circumstances.
Still have questions?
Our advisers are here to help you find the right solution.
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