BA10 Driving While Disqualified Conviction: Points, Ban And Years On Your Licence
Yes, you can look for car insurance after a BA10 once you're allowed to drive again, through specialist brokers who look for insurers that consider disqualified drivers. Prices are likely to be higher: MoneyHelper says points on your licence will increase your premium.
- Points6Penalty points, if the court doesn't disqualify you instead.
- On your licence4 yearsFrom the offence date, or from conviction if you're banned for it.
- BanPossibleThe court must endorse your licence and may disqualify you.
- Insurers may see it4 yearsInsurers may be able to find out at any time during the 4-year endorsement.
Penalties can also include up to 6 months in prison and an unlimited fine in England and Wales.
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What Is A BA10 Motoring Conviction?
BA10 is the code for driving while disqualified by order of court. In plain words, you drove while a court ban was still in force. It goes on your driving record whatever the first ban was for, from totting up points to drink driving.
Its nearest code is BA30, attempting to drive while disqualified, which carries the same 6 points and 4 years on your record. BA40, causing death by driving while disqualified, carries up to 10 years in prison and a ban of at least 2 years with a compulsory extended retest.
BA10 Conviction Penalties In England, Wales And Scotland
The Sentencing Council guideline for driving while disqualified says the court must endorse your licence in every case and may disqualify you again. If it doesn't disqualify you, it must give 6 points. The maximum in England and Wales is an unlimited fine, 6 months in prison, or both. In Scotland, a case tried on indictment can mean up to 12 months.
Those 6 points matter more if you passed your test recently. GOV.UK says your licence is cancelled if you get 6 or more points within 2 years of passing, and you'd need to pass both the theory and practical tests again.
BA10Getting Insured After Any Driving Ban
Whatever your ban was for, cover can only start once you're legally allowed to drive again, so get the dates right first.
When A Driving Ban Ends: Your Licence And Any Retest
If you were banned for 56 days or more, you must apply for a new licence before driving again. A ban until you pass a test lasts until you've passed it. After some drink driving bans, high risk offenders only get their licence back after a medical with a DVLA-appointed doctor.
When A Driving Ban Is Spent
In England and Wales, a ban is spent once it ends, or once you pass any test the court ordered. A BA10 endorsement takes longer: 5 years from conviction for an adult.
Driving Ban Types And Their Conviction Codes
- Totting up - 12 or more points in 3 years can mean a 6-month ban (12 months for a second, 2 years for a third within 3 years).
- Drink driving - a ban of at least 1 year, or 3 years if convicted twice in 10 years. See insurance after a DR10 drink driving ban.
- Drug driving - a minimum 1-year ban. See DG10 drug driving insurance.
- Dangerous driving - a ban of at least 1 year with a compulsory extended retest. See DD40 dangerous driving insurance.
Sources: GOV.UK driving disqualifications and GOV.UK rehabilitation periods, checked 30 September 2026.
This information is based on our understanding of current law and insurance practice at the time of writing. Rules, penalties and rehabilitation periods can change and may apply differently depending on individual circumstances.
Can You Get Car Insurance After A BA10 Conviction?
Yes, once your ban has ended and you're allowed to drive again. Specialist brokers can look for insurers that consider a BA10. Expect higher prices while it's recent, as MoneyHelper says points on your licence will increase your premium. Each insurer sets its own questions about past convictions, and our guide to getting insured with a conviction covers the general rules.
The Original Ban Counts Too With A BA10 Conviction
A BA10 usually sits alongside the conviction that led to the first ban. Insurers may ask about both, so give each code, date and ban length exactly as your court paperwork shows.
Temporary Cover Is No Workaround For A BA10 Ban
Short-term cover doesn't change a ban: you still can't drive until it has ended and you're entitled to drive again. Once you are, see temporary car insurance with convictions.
What Cover Can You Get With A BA10 Conviction?
MoneyHelper lists three levels of cover: comprehensive, third party, fire and theft, and third party only. Which you're offered after a BA10 depends on the insurer. MoneyHelper also says the accidental damage excess can cost more if you have driving convictions, so check the excess on every quote.
Getting back on a bike or into a van after a ban? See van insurance after a driving ban or motorbike cover with a BA10.
Please note that policy features, benefits, terms and conditions vary among insurance providers, so always check the policy wording.
Cover Tip: Ask whether a quote already includes both the BA10 and your original ban. A price based on only one of them may change once the other is added.
Telling Your Insurer About A BA10 Conviction
Accurate answers protect your cover after a BA10. For the general rules, see how long you have to declare driving convictions.
- Answer What You're Asked - MoneyHelper says an insurer can reject a claim if you didn't take reasonable care to answer truthfully. Unsure of your BA10 dates? The Financial Ombudsman expects you to find out.
- Insurers May Be Able To See It - GOV.UK says insurers may be able to find out at any time during a 4-year endorsement, so for the whole time a BA10 is on your driving record.
- Wrong Answers Can Affect Claims - The Financial Ombudsman says an insurer might charge more, restrict the policy, pay a claim in part, or treat the policy as if it never existed and decline any ongoing claim.
- When It's Spent - In England and Wales a BA10 endorsement is spent 5 years from conviction, or later if a longer sentence applies. Once it's spent, MoneyHelper says you don't need to declare it, even if you're asked.
How Does A Disqualified Driving Conviction Affect Your Insurance Price?
MoneyHelper says points on your licence will increase your premium. These are the things that can shape a price after a BA10.
| Key Factor | Impact on your price |
|---|---|
| How recent the BA10 is | Prices are likely to be highest while the BA10 is recent. Insurers may be able to see it for the full 4 years. |
| The reason for the first ban | Insurers may ask about the original ban as well as the BA10. A drink driving code such as DR10 stays on your record for 11 years, much longer than the BA10. |
| Any extra ban for the BA10 | If the court bans you for the BA10, the endorsement runs 4 years from conviction, not from the offence, and cover can't start until that ban ends. |
| The car you choose | The ABI says a car's insurance group reflects its price, safety features, parts costs and engine power, and modifications may make it more expensive to insure. |
| Who else drives | MoneyHelper says adding a low-risk second driver can reduce the premium. Never name someone else as the main driver if they aren't. |
The quotes you get will depend on your own details.
Price Insight: Note two dates and compare again at each: when your BA10 leaves your driving record after 4 years, and when it's spent, 5 years from conviction for an adult in England and Wales. Until it's spent, answer honestly if an insurer asks about it.
How Can You Help Reduce Insurance Costs After A BA10 Conviction?
Quote Ahead Of Your Ban End Date
Ask for quotes with a start date after your BA10 ban ends, so cover is ready for your first legal drive.
Check The Insurance Group
Check the group before buying a car after a BA10. MoneyHelper says the lower the group, the lower the premiums.
Keep The Excess Affordable
Raise the voluntary excess only to a level you could pay if you claimed after a BA10. It may lower the premium.
Ask About A Black Box
Ask whether a black box policy is offered after a BA10. The ABI says most look at mileage, road types, time of day, and speed and braking.
Our Expert On A BA10 Driving While Disqualified Conviction
A BA10 can feel like the door has shut twice: once for the original ban and again for breaking it. It hasn't. Once you're allowed to drive again, specialist brokers can still look for insurers that will consider you.
A common mix-up is thinking the BA10 ends when the ban does. A ban is spent when it ends, but GOV.UK says insurers may be able to find out about a 4-year endorsement at any time while it's on your record.
My rule of thumb: count your ban to the day from your court paperwork, and if it was 56 days or more, don't drive until you've applied for your new licence, as GOV.UK requires. A second BA10 is one conviction you can keep off your record entirely.
Insurance Expert & Co-founder of Clean Green Cars
BA10 Disqualified Driving Conviction Insurance Questions
Is A BA10 The Same As Being Banned?
No. A ban, or disqualification, is the court order that stops you driving. BA10 is the separate conviction for driving while that ban was in force, bringing 6 points or a further ban.
Can I Insure A Car While I'm Banned?
Not to drive it yourself. Anyone else who drives it must be covered, usually as a named driver. Never say someone is the main driver if they aren't: the ABI calls this fronting, says it's illegal and says it could make a policy invalid.
Can I Get Car Insurance Straight After A Ban Ends?
Usually, yes, once you're entitled to drive again. If the ban was 56 days or more, GOV.UK says you must apply for a new licence first. Expect higher prices at first: MoneyHelper says points on your licence will increase your premium.
Do I Have To Retake My Test After A Driving Ban?
Only if the court ordered it. A ban until you pass a test lasts until you pass. Dangerous driving and BA40 bans carry an extended test, lasting at least 60 minutes with higher fees.
What Do The BA Codes On A Licence Mean?
They're the disqualified driving codes. BA10 is driving while disqualified, BA30 is attempting to, BA40 is causing death and BA60 is causing serious injury while disqualified.
What Happens After I Submit My Details?
Clean Green Cars introduces you to specialist brokers who consider disqualified drivers and BA10 convictions. They may contact you with quotes, and you choose whether to go ahead.
What To Have Ready Before Comparing Quotes With A BA10 Conviction
Have these to hand before you get quotes.
- Your BA10 offence date and conviction date
- The original ban: its code, dates and length
- The end date of any ban for the BA10
- The car's registration and where it's kept overnight
- Your annual mileage and claims history
Compare BA10 Disqualified And Banned Driver Insurance Quotes
Sources For BA10 Disqualified Driving Conviction Facts
- GOV.UK - Endorsement Codes And Penalty Points - points and record periods for BA10, BA30, BA40 and BA60 (checked 30 Sep 2026).
- GOV.UK - How Long Endorsements Stay - the 4-year rule and when insurers may be able to find out (checked 30 Sep 2026).
- Sentencing Council - Drive Whilst Disqualified - the maximum penalty and the court's duty to endorse (checked 30 Sep 2026).
- Financial Ombudsman - Misrepresentation - what an insurer may do if information you gave was wrong (checked 1 Oct 2026).
