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Renewing insurance after a ban

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Well ban is nearly up...

Was wondering how much of an insurance jump is normal....?

Also got a few q's that have been bugging me....

1. I require a resit (extended test) for dangerous driving, im guessing i go back to being a new driver!? 6 point malarchy for 2 years?

2. Will my insurance take the fact iv got 6 years driving experience and not that i have no idea and just passed?

3. I received no conformation of my ban from dvla? How do i find my ban code?

4. When can i re-apply for a provisional, ban ends 17th march

Cheers

Well ban is nearly up...

Was wondering how much of an insurance jump is normal....?

Also got a few q's that have been bugging me....

1. I require a resit (extended test) for dangerous driving, im guessing i go back to being a new driver!? 6 point malarchy for 2 years?

2. Will my insurance take the fact iv got 6 years driving experience and not that i have no idea and just passed?

3. I received no conformation of my ban from dvla? How do i find my ban code?

4. When can i re-apply for a provisional, ban ends 17th march

Cheers

hello Sharky here from cumbria ;) DSA ADI..

1) Yes, you will need to drive exactly as the DSA wish, as a new learner would, but the test will be longer and harder, they will know what you have been banned for, and be watching you carefully, if you want any more advice on this or any assessment ect, feel free to PM me, I'm not that far away. as for the 6 points for 2 years, to be honest I'm not sure, I don't think it will apply to you, but you had better check with the examiner when you retake the test.

2) yes, your insurance will take your driving experiance into account. they will not treat you as a "newly passed"

3)the codes should be on your provisional when you get it back

4)you can probably re-apply now.. again, I'm not sure on that one. even if you reapply at the date the ban ends, it shouldn't take more than 2 weeks to get your provisional back....

:thumbup:

2. Will my insurance take the fact iv got 6 years driving experience and not that i have no idea and just passed?

As a new driver they assume you will be a bit of a liability on the road as you still need to learn to drive, hence why the insurance for new drivers is so high.

However being banned for dangerous drive you have proved you have previously been a liability on the road, so I would imagine the insurance would be equally as high if not higher to a new driver?

as gizmo says though, they will risk asses you on what you were banned for

Before you do anything else I would actually check whether you can get ANY insurance, and whatever happens it is going to cost you lots.

Are there any specialist insurers out there who focus on previously banned drivers? While probably still expensive they may have a more thorough risk assessment process which could take into account other details such as your previous driving history.

Only thing i would say is i can see you're looking at something like an Mk1 Octy VRS as your car to get behind the wheel of, that combined with your age (under 25) plus a ban for dangerous driving. I think your insurance is going to be astronomical, you could well be in a situation where you are paying more each year for the insurance than the value of the car. I'd definitely consider going down the specialist insurer route but again thats not going to be cheap sorry fella :(

hello Sharky here from cumbria ;) DSA ADI..

1) Yes, you will need to drive exactly as the DSA wish, as a new learner would, but the test will be longer and harder, they will know what you have been banned for, and be watching you carefully, if you want any more advice on this or any assessment ect, feel free to PM me, I'm not that far away. as for the 6 points for 2 years, to be honest I'm not sure, I don't think it will apply to you, but you had better check with the examiner when you retake the test.

2) yes, your insurance will take your driving experiance into account. they will not treat you as a "newly passed"

3)the codes should be on your provisional when you get it back

4)you can probably re-apply now.. again, I'm not sure on that one. even if you reapply at the date the ban ends, it shouldn't take more than 2 weeks to get your provisional back....

:thumbup:

ok, just to set a few things straight...

As an ex examiner I can tell you that:

You will need to drive to the standard set by the DSA. This includes all necessary observations throughout the drive, which will last at least 60 minutes actual driving (includes just 1 manoeuvre and the emergency stop)

You will also have to do about 12 minutes of independent driving (following road signs or directions on printed cards)

Don't worry about this, it is not as hard as it sounds and you can ask the examiner any time you cannot member where to go.

The examiner will not be told why you are doing an extended test. He may notice the code on your licence and ask you at some point, but you are under no obligation to tell him if you don't want to.

The examiner will know you have has previous driving experience so you can drive as an experienced driver.

My best advice would be:

Pay particular attention to changes of speed limits. More extended tests are failed for excess speed than any other fault!

DO NOT try and second guess what you think the examiner wants to see.

If you think you have made a mistake, forget it and concentrate on the rest of the drive. The mistake may not be as bad as you think and you cannot change it so don't worry about it till the end.

The new drivers act (6points in 2 years) DOES NOT apply to you as you have previously held a full licence.

Insurance companies will take any NCB you have into account but your ban for DD will wipe that out and you will probably pay a lot more on top.

Yes the code for the offence will appear on your licence.

Yes you can apply for your new provisional licence before the end of the ban period but you MUST NOT drive before the ban is actually finished.

You will also have to retake the theory and hazard perception test but again, not until after your ban has ended.

You can, however book it in advance so you can take it as soon as possible after.

You cannot book the practical test until you have passed the theory test.

Sharkrider has offered you the opportunity to get some practice in.

I would take him up on his offer, or use another instructor. You probably only need a few hours so the instructor can assess any shortcomings and correct them.

It may cost you £75 or so but better that than to fail the test and having to retake it.

Best of luck matey and you can PM me too if you need any further info on the actual test.

Sent from my iPad using Tapatalk

I'm sure Adrian Flux are one of the brokers who can find insurance for drivers banned for dangerous driving. Maybe you can PM or call them to see what the insurance situation is. I assume your offence is a DD40.

Thanks for the replies guys....

I will apply for the provisional this weekend. And get my theory booked for the weekend that my ban expires.

I plan to get a couple of leasons while im awaiting a test date.

I dont know what my code will be but it was dangerous driving on an a road (over 100mph)

Tough lesson....

Ive checked insurance roughly on the car i have now and its about £500 hoping i can insure an octy vrs etc for just over 1k

I dont know what my code will be but it was dangerous driving on an a road (over 100mph)

A75?

Yes...

Yes...

Just a guess. It's about the only road (M74 obviously excepted) I can think of in your neck of the woods where it'd be possible to hit ton + for anything more than a few seconds.

Any time I've driven in it I've stuck strictly to the limit as heard it's crawling with John Law.

Shame as there are some stretches where it's very tempting to give it a blast...

Ive checked insurance roughly on the car i have now and its about £500 hoping i can insure an octy vrs etc for just over 1k

Can I ask what car you have now?

I know you've got an answer on the provisional but I guess the logic on it is the same as a new driver. You can apply for it before your 17 but you can't drive until your of age.

Its a suzuki ignis sport gp 21

Octy is gp 31

I just insured my partner on a gp31 for 1200 and shes nly 18 with no ncb

Don't forget that they have just this week made the theory test harder........http://www.direct.gov.uk/en/Nl1/Newsroom/DG_200875

Time to find a group1 or 2 car and drive that for a year to prove to the insurers you've learnt from the ban.

Trying to get insured on a MK I vRS isn't going to be cheap.

ok, just to set a few things straight...

As an ex examiner I can tell you that:

You will need to drive to the standard set by the DSA. This includes all necessary observations throughout the drive, which will last at least 60 minutes actual driving (includes just 1 manoeuvre and the emergency stop)

You will also have to do about 12 minutes of independent driving (following road signs or directions on printed cards)

Don't worry about this, it is not as hard as it sounds and you can ask the examiner any time you cannot member where to go.

The examiner will not be told why you are doing an extended test. He may notice the code on your licence and ask you at some point, but you are under no obligation to tell him if you don't want to.

The examiner will know you have has previous driving experience so you can drive as an experienced driver.

My best advice would be:

Pay particular attention to changes of speed limits. More extended tests are failed for excess speed than any other fault!

DO NOT try and second guess what you think the examiner wants to see.

If you think you have made a mistake, forget it and concentrate on the rest of the drive. The mistake may not be as bad as you think and you cannot change it so don't worry about it till the end.

The new drivers act (6points in 2 years) DOES NOT apply to you as you have previously held a full licence.

Insurance companies will take any NCB you have into account but your ban for DD will wipe that out and you will probably pay a lot more on top.

Yes the code for the offence will appear on your licence.

Yes you can apply for your new provisional licence before the end of the ban period but you MUST NOT drive before the ban is actually finished.

You will also have to retake the theory and hazard perception test but again, not until after your ban has ended.

You can, however book it in advance so you can take it as soon as possible after.

You cannot book the practical test until you have passed the theory test.

Sharkrider has offered you the opportunity to get some practice in.

I would take him up on his offer, or use another instructor. You probably only need a few hours so the instructor can assess any shortcomings and correct them.

It may cost you £75 or so but better that than to fail the test and having to retake it.

Best of luck matey and you can PM me too if you need any further info on the actual test.

Sent from my iPad using Tapatalk

good info there, thanks :thumbup:

Time to find a group1 or 2 car and drive that for a year to prove to the insurers you've learnt from the ban.

Trying to get insured on a MK I vRS isn't going to be cheap.

Dont think so, ive saved for a year would like a decent motor :)

I have learnt my lesson and speed is only for use on a track

I think you`ll be surprised. My mate just come off a dd ban and his insurance wasnt astronomical, went up by a chunk but a lot less than he/any of use expected.

Good luck for the retest. :thumbup:

Its a suzuki ignis sport gp 21

Octy is gp 31

I just insured my partner on a gp31 for 1200 and shes nly 18 with no ncb

Cheers, only ask as mine's over £500 on a Fab vRS, 30+ age, 5yrs NCB, IAM, standard car. I thought yours sounded a good deal!!

For some reason insurance is cheap round here.... Must double in cities etc

Expensive where I live (Gorseinon, Swansea) but fluctuates wildly between all the villages nearby. However you go across the bridge to Llanelli and to somewhere just outside the town it's silly cheap

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