A Driving ban is usually given by the court to punish all drivers who have made unacceptable mistakes, such as drink driving, careless accidents, speeding, and other offences. This ban will almost certainly have an impact on your vehicle insurance directly.
This page has some information of the impact a driving ban or driving offence can have on your vehicle insurance. Different insurance companies may have different responses to different driving bans and offences. You should therefore contact your insurance company to ask about the effect a driving ban will have on your insurance.
Breach of car insurance contract
This is the most common situation that usually happens after you have been given a ban. Most companies are going to terminate your insurance contract immediately. They do not want to give protection to some drivers who do not have a legal driving licence. Most of them argue that they are not able to cover any losses that can be caused by drivers without a valid licence. This decision is usually taken by the insurance companies once they receive the ban report from the court. Your insurance company does not take too much time in terminating your contract. In many cases, you should be able to get a refund for the unused coverage period, if you don’t its always worth asking for one just incase.
Higher insurance premium
You can still find some car insurance companies that can give protection without your driving license. However, they usually charge a very expensive premium. You may enjoy protection from these companies by paying the premium but its probably not worth it considering you wont be able to drive the car, but depending on where you keep your car if it gets stolen or damaged you may check you may want to check you are covered. This is another common option that people usually use to protect themselves after they have been disqualified from driving. The price of a new premium can be more than double what you were paying before.
The insurance has minimum coverage
This is another negative impact that you may get from your insurance provider. After your driving license is banned, you can contact some insurance companies to protect yourself and your car without a driving license. Most companies usually offer very minimum coverage for all drivers without a legal licence.
Those are some negative impacts that you may get after you have been disqualified from driving. It is important to contact several local car insurance agents. They should know the best insurance company that can give protection for drivers who do not have licence. However, be prepared for very expensive quote.