The effect a Driving Offence has on Insurance

Do I have to tell my insurers if I receive penalty points or a driving ban?

Yes. An insurance contract is one of "utmost good faith". Your insurers rely upon you to keep them appraised on any changes in your situation during the course of the policy. If you fail to notify them of any developments they could refuse to honour the policy.

What affect will penalty points have on my insurance premiums?

In most cases it will result in an increase in the premium, dependent upon the offence and the number of penalty points.

What affect will a driving disqualification have on my insurance?

As soon as your driving licence is suspended you will be in breach of your insurance conditions, namely that in order to use your vehicle you hold a valid licence. If you want to continue to insure your car for theft, other damage or fire loss, you should ask your insurers to alter your policy for the duration of the driving disqualification. Remember that if you want to keep the car on the road, you will need to have a minimum of third party cover.

Anything else?

Yes. It is always worth checking the small print. Many policies provide for compensation if you are without a vehicle or will pay for alternative transport for the duration of the driving disqualification.

Will it be impossible to obtain insurance once I finish a driving ban?

No, whilst some insurance companies may refuse cover or load the premium, there will still be plenty of insurance companies that will be willing to offer cover.

Can I insure against the cost of Court proceedings or losing my driving licence?

Yes. Some road traffic policies will pay for representation for specific allegations. Alternatively, there are policies available to cover against the cost of lawyers fees but you should check that it covers everything and doesn't simply provide you with a discount. Likewise, you can insure against losing your licence and there are policies on the market that will provide a chauffeur, should you lose your licence.