In the UK, insurance problems caused by driving bans have increased considerably over the last ten years as penalties for even fairly minor offences have become more severe; most frequent violations including breaking speed limits (which are often not terribly realistic) and, more seriously, drinking and driving violations. There are over 1.5 million UK drivers who have major convictions. Many insurers have refused applications for car insurance from drivers who have had a disqualication but a number of motor insurance brokers are more willing to work with banned drivers to provide cover, once a driver's licence has been reinstated.
Banned drivers seeking insurance in the UK seem to create more SP30 violations than any other infractions. SP30 violations mean that a driver has broken an assigned speed limit and will likely pay a fine of £60 or more, as well as have three listed points attached to his or her driving record (driving at more than 30mph above the limit, or exceeding 100mph on a motorway could also result in a disqualification). If the driver has 12 points or more against a record, it could result in a six month or greater licence suspension. In most cases, the more points a driver has the higher the premium he or she will pay for insurance. Other ways that drivers can acquire a ban are driving while intoxicated or in a dangerous manner.
Driving offences are coded, for example:
AC10 - meaning failing to give particulars or stop after a traffic accident.
AC20 - meaning failing to report an accident within 24 hours.
AC30 - meaning any undefined traffic accident offences.
BA10 - meaning driving while disqualification is in effect by Court order.
BA20 - meaning driving underage. BA30 - meaning trying to drive while disqualified under Court order.
There are also CD codes for careless driving, CU codes for construction and use offences, DD codes for dangerous and reckless driving, an IR10 code for insurance infractions, LC codes for license offences, MS codes for miscellaneous offences, MW codes for motorway offences, TS codes for failing to adhere to traffic signs, UT codes for theft or unauthorised taking of a vehicle and a few others related to undefined issues not noted above.
Some Insurance Companies In the UK Will Work With Banned Drivers
Because banning motorists is on the rise in the United Kingdom, there are insurance companies that are now catering to these drivers by offering understanding and lower premiums than were available previously. If an insurer sees that a driver has taken the necessary steps to improve his or her safety standards after a conviction, insurance may be granted at a reasonable rate. Drivers could greatly help themselves by taking driver education courses, and other classes on road conduct, alcohol and drug awareness, and so on - applying for one or more of these courses before an insurance is due for renewal will not only be seen as positive in the eyes of your insurance broker, but it will also help to recover your driving records to a more acceptable standard.
Although there are many issues that can make it hard for banned drivers to get decent rates on car insurance, and it may take time, it can be done. Other steps to take involve showing the insurance company positive proof that the disqualified driver is unlikely to offend again and this is best accomplished by building up a new and flawless driving record. Convicted drivers should make sure that they drive carefully and considerately in order to avoid any more convictions or accidents and remain on their best behaviour.
What to Look For In a Broker
It is reasonable to expect that any disqualifications for driving will likely mean insurance rates will be higher, but by looking for a broker who has excellent contacts and specializes in difficult cases, there are options to arrange for cover at a reasonable fee. A knowledgeable broker will make sure that the best deal is arranged depending on individual circumstances no matter what type of conviction was handed down; this cannot usually be done online and contact should be by telephone (or personal visit if this is practicable) so that the broker can get all the facts before working out the best way of helping you.