Insurance Companies No Driver License - If you have a driving or criminal conviction or have been disqualified, finding cheap car insurance can be difficult. Find out how to save on your car insurance if you are a convicted or disqualified driver.
Remember, it's easy to see the details of your driving record: you'll need your driver's license number, social security number and the zip code listed on your driver's license.
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If your driving license has been suspended, you must inform your insurer immediately. Technically, you are breaking your car insurance contract because you no longer have a valid license.
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If you are temporarily banned and want to keep your car when you get back on the road, your car is required by law to be insured for third party damage, unless you applies for a HOS (Statutory Off Road Notice) and takes your car off the road.
Once you are disqualified, you will need to call your insurer and they should change your policy temporarily for the duration of your driving disqualification.
Getting insurance after a driver's license suspension can be more difficult, but it's not impossible. Insurance is actually a legal requirement, so it's certainly not something that can be ignored after a ban.
If you are caught without insurance you can even be disqualified again, and there will be a maximum fine of £5000. The immediate fine is £300 and you will receive six points on your licence.
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You're probably keen to get back on the road, so the first thing you should do after you've got your new license is to contact your insurer and tell them you plan to drive again.
Some major insurers refuse to cover disqualified drivers, but don't panic if your insurer says they can't cover you - there are a number of specialist insurers who will.
Once you find an insurer, your car insurance premium will likely be significantly higher than before your exclusion.
Bans are only given for very serious driving offences, or if you have committed a number of minor offenses close together, so insurers will treat you as a high risk and raise your premium to reflect this. They can also increase the excess you have to pay if you claim.
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Your driving ban is likely to affect your car insurance costs for five years, as insurers usually ask for driving convictions during this period.
If you are buying a new car to get back on the road, consider choosing a car with a lower insurance group. These are usually cars with smaller engines and better safety ratings - it will be difficult to insure an expensive or fast car after a ban period. Read our guide to the cheapest cars to insure.
Some insurers will give discounts on any approved course you took as part of your conviction, such as a speed awareness course or drink driving rehabilitation course. It is recommended that you take one of these courses if they are offered to you, as the long-term savings on your car insurance can outweigh the initial cost of the course.
Many of the most popular carriers won't insure high-risk drivers, such as those with previous disqualifications, so consider one of the many specialist insurers that provide cover for those who can't find it elsewhere .
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Some of these specialist providers may even take into account any no claims bonus you accrued before your exclusion, which can help reduce your costs.
The smaller and cheaper the car, the more likely it will be cheap to insure, regardless of the circumstances of the conviction. However, you have to live with whatever you choose. It's no good moving back to something completely impractical for your needs.
However, many small cars make good use of their compact dimensions. Some of the small vehicles have quite high rooflines, which emphasize their interior space, despite their modest dimensions.
Do your research and look closely at boot space and legroom, usually measured in liters and centimeters, as well as engine size.
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You could consider the option of 'black box' telematics insurance, which allows your insurer to see how fast or carefully you are driving.
There are a number of online traffic resources - which car? Which one? and Parkers - all of whom can help you find the right vehicle for you.
The government arranges driving penalty points on a scale of one to 11. The higher the points, the more serious the offence. These range from a fine to a driving ban - even prison in the most serious cases.
Each certificate has its own code. Approval codes beginning with the letters CD usually refer to careless driving offences. Sometimes this can include alcohol. Codes starting with DR usually refer to drink driving offences.
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These government codes will remain on your driving record for up to 11 years, again depending on the severity of the offence.
To be clear, if you accumulate more than 12 points over a three-year period, you will normally be disqualified from driving. How long this will last is up to the court.
If you are disqualified for 56 days or more - which is normal - then you need to apply for a new driving licence. The court can even order you to resit your driving test.
If you are a new driver still in the two year probationary period, you are limited to just six points. So if you get six points in those two years, your license will be revoked.
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Careless driving is less serious than dangerous driving. There is a basic surfer skills scale. Careless driving is defined by the Crown Prosecution Service when your driving falls below the standard "expected of a competent and careful driver".
For example, driving too close to another car, overtaking in the inside lane or turning into another car's lane. Shining other drivers with dipped headlights is also considered 'careless'.
CD30 – Driving without due care and attention or without reasonable compensation for other road users. Three to nine points.
CD60 - Causing death by careless driving when your alcohol level is over the limit. Three to 11 points.
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CD70 Causing death by careless driving and then failing to provide an alcohol analysis sample. Three to 11 points.
Again, these offenses will stay on your license for four years. Putting the public at risk is taken very seriously by the police and the courts.
This category usually covers aggressive driving such as ignoring traffic lights or driving under the influence of alcohol or drugs. This also includes using a mobile phone or handheld device such as a tablet.
DD90 - Furious Driving. Three to nine points. This offense has been abolished in the Republic of Ireland.
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The offenses below will stay on your driving record for 11 years. Drink driving and drug driving offenses can mean jail time with a criminal record if you are convicted.
The legal drink-drive limit is 80 milligrams per 100 milliliters, although the way your body deals with alcohol can vary greatly, depending on your body mass and what you've consumed.
DR10 - Driving or attempting to drive with an alcohol level above the legal limit. Three to 11 points.
DR30 - Driving or attempting to drive and then failing to provide a sample for analysis. Three to 11 points.
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DR31 – Driving or attempting to drive and then refusing to consent to the analysis of a blood sample taken without consent due to your incapacity. Three to 11 points.
DR61 - Refusal to consent to the analysis of a blood sample taken without consent due to incapacity in circumstances other than driving or attempting to drive
The codes below remain on your driving record for four years taken from the offense record, or four years from the conviction if you are disqualified.
DR60 - Failing to provide a specimen for analysis under circumstances other than driving or attempting to drive. 10 points.
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If you are ill or recovering from a hospital stay, be aware that prescription drugs such as morphine and amphetamines can also greatly affect your ability to drive.
DG10 - Driving or attempting to drive with a drug level above a certain limit. Three to 11 points.
The codes below remain on your driving record for four years from the date of the offence, or four years from the conviction when you are disqualified.
LC30 - Driving after making a false statement about your fitness when applying for a licence. Three to six points.
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LC50 – driving after license cancellation (revocation) or refusal on medical grounds. Three to six points.
All of these offenses relate to the condition of your vehicle. These offenses stay on your driving record for four years.
However, these offenses are often based on the individual facts of the case - and a prosecuting officer can be wrong. So a defense can be based on the particulars of the case.
CU20 - If you put yourself at risk of using the road by using a vehicle with parts or accessories in poor condition (excluding brakes, steering and tyres). three points.
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MS60 – Offenses not covered by other codes (including offenses relating to breaches of vehicle control requirements). three points.
TS50 - Failure to obey a road sign (not including 'stop' signs, traffic lights or double white lines). three points.
When applying for car insurance, you will usually need to tell your insurer about any driving
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