Disqualified or Banned Driver Car Insurance

At Keith Michaels, we understand everyone's circumstances are different. Fortunately, we have specific, specialist policies in place for disqualified drivers getting back on the road after a ban.
Disqualified or Banned Driver Car Insurance Header Image

Our team are here to help

92% of our customers get a cheaper quote over the phone

92% of our customers get a cheaper quote over the phone


Disqualified or Banned Driver Insurance from Keith Michaels

There are many reasons you may have received a ban from driving. At Keith Michaels, we have specific policies in place to provide competitive banned driver insurance for those aged 25 or older.

Specialist insurance companies are available to provide the right cover, but they tend to only deal with brokers like ourselves who are skilled in assessing each individual risk.

So why not go directly to the source? 

Keith Michaels has 30 years’ experience arranging insurance cover for banned and disqualified drivers – from drink and drug driving to driving without insurance.

We understand everyone makes mistakes, and we never judge. The important thing is getting you back on the road safely. So, speak to us today and request a quote.

or call us on 0208 329 1150

Or phone our specialist banned driver policy handler Mark Bullock on:

Mark Bullock: 0208 329 1158

The Keith Michaels Difference

  • 30 years’ experience
  • Every customer is treated as an individual, not a policy number
  • We are a UK-based office, not a call centre
  • We are completely independent from any insurance company
  • All policies are looked at on their own merits to find you the best policy available

Car Insurance After Disqualification – Let us help

Drink driving

Drink Drive Ban Insurance 

We have specific schemes in place for this conviction. It’s a common reason for disqualification and it’s relatively simple for us to arrange cover. Sometimes, customers will come to us following a 2nd offence or more and we’re still able to help you get back on the road. 

Totting up points

Totting Up Ban Insurance

If you require totting up ban insurance or TT99 ban insurance, we can help. All we need to know is the circumstances of the original convictions that make up the TT99. Often these will just be a series of minor offences and we will have no problem arranging cover.

Convicted car driver

No Insurance Ban Insurance 

There are occasions when you may have been disqualified for a no insurance offence (often caused by a mistake rather than any intention). Two offences will normally result in a ban of some sort, which insurers are less willing to provide cover for. Here at Keith Michaels, we have specialist companies who will help.

Speed gun

Speeding Ban Insurance 

This is one of the most common reasons for a customer to have received a ban. If you have been unfortunate enough to have received a speeding ban, we can help. Most of these disqualifications are for a short duration, are often a singular offence, and are not a problem for us to arrange cover for.

Disqualified or Banned Driver Car Insurance

Get in Touch for your Banned Driver Car Insurance Quote

or call us on 0208 329 1150

Banned Driver Insurance FAQs

What happens if I get a driving ban?

Once you have been banned or disqualified from driving, the following will happen:

  • You will not be able to drive for the period of your driving ban
  • You can apply to reduce your disqualification period, but a reduction of sentence is not a given
  • You may need to retake your driving test if told by the court before you can drive once your ban is up
  • You will still need to tell the DVLA of any name or address changes even when disqualified
  • If disqualified for drink driving or drug driving, a different process will take place

My driving ban is up – at what stage can I arrange insurance?

No matter the reason you have been disqualified from driving, once you have your licence back, we will be able to arrange disqualified driver insurance for you.

How long does a driving ban affect insurance?

A driving disqualification or ban is likely to affect car insurance for five years. This is usually the period when car insurers will ask for any prior convictions. But, despite this, a driving ban may still influence the cost of car insurance in future, which is why it is advised to use a specialist banned car insurance broker such as Keith Michaels for a fair policy.

How much is car insurance after a drink driving ban in the UK?

A drink driving ban can cause many problems for your personal life, employment goals and more. And while drink driving will impact the cost of car insurance once convicted, we understand the importance of being fair here at Keith Michaels. That’s why we provide discounts to drink drivers attending rehabilitation sessions.

I’ve been disqualified or banned from driving – do I need to tell my insurer?

As soon as you are aware of your offence, you must tell your current insurer as soon as possible. Otherwise, not declaring an offence is a breach of your car insurance policy.

If you are banned temporarily or wish to keep your current car for when you’re back on the road, you have two options – to insure for third party fire and theft, as this is a legal requirement, or apply for a Statutory Off-Road Notice (SORN).

When your driving disqualification or ban is over, you can once again inform your current insurer to see if they will still cover you, or, and more highly advised, is to contact a specialist banned car insurer.

What if I haven’t got my licence back yet but my driving ban is up?

If you are coming up to the date your disqualification is due to be lifted, you can find more information about re-acquiring your driving licence by following the link.

Will a previous driving ban stop me getting car insurance?

While it is true that many car insurance providers will decline to insure a driver who has previously been banned, or my charge premiums to do so if they do, a driving ban won’t completely stop you from getting insured in the future.

A banned car insurance broker such as Keith Michaels understands that many drivers with previous bans wish to move on and get back on the road safely. That’s why we offer car insurance to those with previous driving bans.

Where can I find out more information about banned driving insurance?

For more information on previously banned driver car insurance, you can check out our FAQ page. To view our other convicted driver insurance policies follow this link.

Driving Ban Codes

Disqualified or banned driver

GOV.UK state that codes BA10 and BA30 must stay on the relevant driving record for four years from the date of the offence. Codes BA40 and BA60 must stay on the relevant driving record for four years from the date of the conviction.







Driving while disqualified by order of the court

Attempting to drive while disqualified by order of the court

Causing death by driving while disqualified

Causing serious injury by driving while disqualified

Penalty Points



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