Insuring a vehicle DURING a ban

Avantime

Active member
I have two classic cars that I have no intention of selling. I need to keep them insured against theft, fire and third party damage as a bare minimum. I believe most insurers won't provide cover to owners that don't have a licence. If I don't have a licence and subsequently can't get insurance then the DVLA will expect me to SORN declare the cars and that means they can't be run which will do them no good at all. So what options do I have for insuring cars DURING a ban?
 

A Plan Insurance

Insurance Experts
Good Afternoon,

We have a specialist branch who may be able to offer cover for the vehicles and exclude yourself from driving whilst you are on your ban.
Please contact us on 01256 777592 to discuss this option.
 

Avantime

Active member
Good Afternoon,

We have a specialist branch who may be able to offer cover for the vehicles and exclude yourself from driving whilst you are on your ban.
Please contact us on 01256 777592 to discuss this option.
Thanks for your quick reply. Before I call you I have a further question in response to what you said. If you are able to provide cover purely for the vehicles, would comprehensive cover be available so that if a named driver or a relative driving the cars on their own third party insurance had an accident, the car would be fully covered from that perspective?
 

A Plan Insurance

Insurance Experts
Thanks for your quick reply. Before I call you I have a further question in response to what you said. If you are able to provide cover purely for the vehicles, would comprehensive cover be available so that if a named driver or a relative driving the cars on their own third party insurance had an accident, the car would be fully covered from that perspective?
Good Afternoon, I have spoken to the branch who specialise in classic cars and they have advised that it is something they could look at depending on yours details and the vehicle details.
 

Kenzie123

Active member
I'm also after advice I'd like to keep my car insured whilst on my ban ,so that a family member can drive it for me , is there a way I can achieve this ?
 

Avantime

Active member
I'm also after advice I'd like to keep my car insured whilst on my ban ,so that a family member can drive it for me , is there a way I can achieve this ?
The only way to do it is for a friend or family member to insure it for you in their name. It is highly unlikely you will get insurance in your own name.
 

Battybird72

Active member
I'm also after advice I'd like to keep my car insured whilst on my ban ,so that a family member can drive it for me , is there a way I can achieve this ?
If you take a look at HonestJohn’s site (link attached) it advises to speak with your current insurer as there may be something they can do. Your insurance is technically void as you don’t have a current driving licence but some owners may need to keep their car on the road so need insurance to cover their car. Let us know how you get on so that others with the same question can be advised further. https://www.honestjohn.co.uk/askhj/...erving-a-driving-ban-or-is-my-insurance-void-
 

Kenzie123

Active member
If you take a look at HonestJohn’s site (link attached) it advises to speak with your current insurer as there may be something they can do. Your insurance is technically void as you don’t have a current driving licence but some owners may need to keep their car on the road so need insurance to cover their car. Let us know how you get on so that others with the same question can be advised further. https://www.honestjohn.co.uk/askhj/...erving-a-driving-ban-or-is-my-insurance-void-
I was with RAC and they didn't want to know at all ,
 

Battybird72

Active member
I was with RAC and they didn't want to know at all ,
That's a shame. When renewing my insurance after the return of my licence Zurich wouldn't touch me yet Admiral quoted me the same price as before my DD conviction. It just goes to show how different they all are. Hopefully you'll find someone who can help.
 
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