What Affects The Cost?
Several factors influence how much you’ll pay post-ban:
- Length of the ban and the specific conviction code (e.g. DR10, DR20)
- Time since your disqualification ended
- Your age and driving history
- Type of car you’re insuring (performance cars may cost more)
- Level of cover (comprehensive vs third party)
How To Lower The Cost Of Insurance After A Ban
It won’t be cheap, but there are ways to reduce the cost:
- Compare specialist insurance providers that cater to convicted drivers
- Choose a lower-risk car in a lower insurance group
- Limit your mileage if possible
- Take a rehabilitation or drink driving awareness course (if applicable)
- Add a named experienced driver to the policy
- Opt for a higher voluntary excess, if you can afford it
You can compare convicted driver insurance quotes to see which providers are more affordable and offer flexible cover.
Most insurers ask about convictions within the last 5 years. Some may ask for longer depending on your history.
No. You must have your licence reinstated and meet any medical or DVLA requirements first.
In many cases, yes, standard insurers may refuse cover, so you’ll likely need a policy from a provider that covers high-risk drivers.
Not always. Some comprehensive policies can actually be cheaper, especially from specialist providers.
