Why Compare Disqualified Driver Insurance?
Getting Back on the Road After a Ban
A BA code means you drove while disqualified. This is one of the most serious motoring offences and most mainstream insurers may decline to quote. Clean Green Cars introduces you to specialist brokers who work with the few insurers that consider these cases.
Your Ban History Matters to Insurers
Whether this was your first disqualification or a repeat offence affects how insurers price your policy. Time since the ban ended and your driving record since are equally important. Clean Green Cars introduces you to brokers who present these details effectively.
Specialist Cover May Be Available
Even with a BA code, insurance could be possible through the specialist market. Clean Green Cars introduces you to brokers who place these cases regularly and know which insurers have appetite for disqualified driver risks.
Disqualified Driver Insurance At A Glance
- Specialist brokers who handle disqualified driver cases - they work with the limited number of insurers who consider BA codes.
- BA10 and BA30 carry 6 penalty points, while BA40 and BA60 carry 3 to 11 points and always involve a driving ban, with unlimited fines. BA10 and BA30 also carry unlimited fines since March 2015. See the full list of convicted driver insurance.
- Thousands of drivers are prosecuted for driving while disqualified each year across England and Wales.
- Your premium could reduce significantly each clean year after your ban ends. Comparing at each renewal matters.
- Visit the convicted driver insurance hub if you have other endorsements alongside a BA code.
- One form, multiple specialist quotes. Click the green button above to compare.
Disqualified Driver Penalties
BA codes apply when a driver is caught driving while already disqualified by a court order. This is a criminal offence that can result in further disqualification, fines, and custody.
| Offence | Code | Points | Maximum Custody | Maximum Fine |
|---|---|---|---|---|
| Driving while disqualified by order of court | BA10 | 6 | 6 months custody | Unlimited |
| Attempting to drive while disqualified | BA30 | 6 | 6 months custody | Unlimited |
| Causing death by driving while disqualified | BA40 | 3-11 | 10 years custody | Unlimited |
| Causing serious injury by driving while disqualified | BA60 | 3-11 | 4 years custody | Unlimited |
Find Your Disqualified Driver Code
Each disqualified driver offence carries a specific code. Choose yours below for detailed insurance guidance.
What Our Expert Says
Disqualified driver convictions are among the most challenging cases in the specialist insurance market. Thousands of drivers are prosecuted for driving while disqualified each year in England and Wales, and insurers treat BA codes as high-risk endorsements because they involve deliberate defiance of a court order.
If your disqualification has ended and your licence has been restored, the priority is getting insured legally as quickly as possible. The price will be high initially, but it could come down each year you maintain a clean driving record. Between 2017 and 2019, men accounted for roughly 94% of BA10 prosecutions, reflecting a significant gender disparity in this offence category.
Insurance Expert & Co-founder of Clean Green Cars
Common Disqualified Driver Insurance Questions
Can You Get Car Insurance After Being Disqualified From Driving?
Yes. A disqualified driver conviction does not prevent you from getting car insurance once your ban ends. Mainstream insurers may decline you or charge significantly more, but specialist brokers work with insurers who accept BA codes. Clean Green Cars introduces you to brokers who handle disqualified driver convictions regularly.
How Long Does a BA10 Conviction Stay on Your Licence?
A BA10 endorsement stays on your driving licence for 4 years from the date of offence. However, most insurers ask about convictions from the last 5 years. This means you may need to declare your BA10 even after it disappears from your licence until 5 years have passed since the offence date.
What Is the Difference Between BA10 Conviction and BA30 Conviction?
BA10 covers driving while disqualified by order of court. BA30 covers attempting to drive while disqualified. Both carry 6 penalty points and stay on your licence for 4 years. The key difference is whether you actually drove the vehicle (BA10) or were caught attempting to drive it (BA30). Both are criminal offences under the Road Traffic Act 1988.
Is Driving While Disqualified a Criminal Offence?
Yes. Driving while disqualified under Section 103 of the Road Traffic Act 1988 is a criminal offence. It can carry up to 6 months in prison and an unlimited fine. It may appear on a standard DBS check while it remains unspent. A conviction resulting in a fine becomes spent after a period that depends on the sentence (check GOV.UK for details), while check GOV.UK guidance or seek legal advice for your specific rehabilitation period under the Rehabilitation of Offenders Act 1974.
How Much Does Insurance Go Up After a Disqualified Driver Conviction?
The increase varies widely depending on your BA code, the nature of your original ban, and your wider driving history. There is no fixed percentage. Comparing quotes from specialist brokers is the most reliable way to find out what your conviction could cost, as different insurers load BA codes differently.
What Happens If You Get Caught Driving While Disqualified?
If you are caught driving while disqualified, you could face 6 penalty points, an unlimited fine, and up to 6 months in prison. The court may also extend your existing ban by 3 to 18 months depending on the category of offence. You can be arrested without warrant. The Sentencing Council divides cases into three categories based on culpability and harm.
Do You Have to Declare a Disqualified Driver Conviction to Your Insurer?
Yes. You must answer your insurer’s questions truthfully, which usually means declaring BA convictions for up to 5 years, or longer if they specifically ask. Most insurers ask about convictions from the last 5 years. Failing to declare could invalidate your policy, meaning any claim you make may be declined. Always check your DVLA record to confirm your exact code and offence date before applying.
Can You Insure a Car While You Are Still Banned?
You cannot legally drive while disqualified, so you cannot take out a motor insurance policy as the main driver during your ban. However, you could insure a car for someone else to drive as the named policyholder if the insurer allows it. Once your ban ends and you have your licence back, you can insure yourself as the main driver again. Cover is also available for vans and motorbikes.
What Are the BA40 Conviction and BA60 Conviction Codes?
BA40 is causing death by driving while disqualified. It carries up to 10 years in prison. BA60 is causing serious injury by driving while disqualified, carrying up to 4 years in prison. Both are far more serious than BA10 or BA30 and result in significantly higher insurance loadings. Specialist brokers may still be able to find cover depending on the circumstances.
What Happens After I Submit My Details?
Clean Green Cars introduces you to specialist brokers who cover drivers with BA convictions. After you submit the form, brokers who handle your specific code will come back with quotes. You are not committed to anything by submitting the form, and your details are handled in line with UK data protection rules.
How a Driving Disqualification Affects Your Insurance
A BA code is one of the hardest convictions to insure because it involves driving when you were specifically banned from doing so. Most mainstream insurers may not offer cover, which is why specialist brokers play an important role in finding options.
The first year after your ban ends is typically the most expensive. However, premiums could reduce each year as the conviction ages, particularly if you maintain a clean driving record. Comparing at every renewal is important because the gap between insurers may narrow as time passes.
If your vehicle was seized, impound release insurance could help you collect it. Telematics car insurance may also help rebuild your driving record after disqualification. Disqualification often follows convictions for dangerous driving or drink driving. See the full list of convicted driver insurance for reference.
Search & compare quotes from UK Disqualified Driver Car Insurance Providers
Useful Resources
- GOV.UK – Driving Disqualifications – What happens when you are disqualified from driving, including how to get your licence back.
- GOV.UK – Penalty Points and Endorsements – How the penalty points system works, including endorsement codes and expiry dates.
- GOV.UK – View Your Driving Licence – Check your licence online to see your current points and convictions.
- Sentencing Council – Driving Whilst Disqualified – How courts sentence driving while disqualified offences, including the three category levels.
