|Insurance for banned drivers takes a hard toll. With convictions being spread out through
UK motorways regularly, there is every infraction being committed under the sun. Insurance might be awarded to banned drivers who have received cited traffic violations, drinking and driving violations, and driving on a suspended license. Speeding and refusing to obey traffic rules is also a sign of the banned driver. Because of this, insurance for banned drivers can be marred with excess premium rates that could drag on for close to three years. With more than 1.5 million drivers piling up the points in the UK along, many motor insurance companies have been forced to provide insurance for banned drivers upon reinstatement of their driving privileges.
The most popular traffic violation by those seeking insurance for banned drivers in the UK is an SP30 violation which breaks the assigned speed limit by 30 km. The SP30 rating contributes to a 60 pound or more fine and 3 listed points on your driving record. If a UK driver looking for insurance for banned drivers was to pile up 12 points within a 3 year period, that provides enough reason for a license suspension for at least 6 months. As offenses roll in, so do higher premiums on your insurance for banned drivers.
Nowadays, many insurance companies are starting to cater towards the banned driver crowd with lower premiums than average. However, many drivers have to “prove themselves” after a suspension (or doing) by volunteering to take drivers education courses which could have prevented their mishap in the first place. These specialization classes instruct banned drivers on road conduct, drug/alcohol awareness, probation rules, and more. If you apply for one of these courses right before an insurance renewal, you might be seen favorably in the eyes of your insurance carrier who could notch your record up. All in all, search for cheap insurance rates for banned drivers may be a slower-than-normal process that evokes trust building on behalf of the insurance carrier toward its downed client.