Disqualify Driver - Re-Apply Licence

[Beswad]

When being disqualified from driving then re-apply your licence does it mean you lose all your No Claim Bonus?

[SirOracle]

Depends on the circumstances.

[Birdfeeder]

It will depend on why you were disqualified and also on your insurance company. You need to get in touch with them and tell them the circumstances. Whatever you do when you get your licence back don't think of driving without insurance as this can carry a prison sentence

[Old_Geezer]

Surely if disqualified you won't be insuring for a period and so will lose NCB because of the discontinuation ?

[ummmm]

Someone else might also be insured on the car.

[EDDIE51]

The insurance and the NCB are 2 different things. If you have an NCB it lasts for 4 years. When you get the licence back and need insurance you MUST tell the insurance company about the disqualification. You will still have the NCB (as long as it has been 4 years or less since the last insurance) but your insurance will be a lot higher. This is not due to you losing your NCB but to your increased risk due to having a disqualification.

[New Judge]

"...don't think of driving without insurance as this can carry a prison sentence"

Incorrect. Driving with no insurance can be dealt with only by way of a Conditional Discharge (very rare) or a fine (maximum £5,000). Community orders and custody are not available options.

[Arrods]

.....though you can be imprisoned (up to 2 years) for causing death while driving uninsured.

[ummmm]

And you can be imprisoned for causing death while insured...

[RATTER15]

Arrods, causing a death is a little different than driving whilst uninsured lol

[douglas9401]

Yer but no but yer..............

[hc4361]

The vehicle could also be seized and destroyed.

[New Judge]

"And you can be imprisoned for causing death while insured... "

Not quite the same thing and not what Birdfeeder led us to believe.

[EDDIE51]

Driving while disqualified IS a likely prison sentence, and if you get caught for it they will add 'driving with no insurance' to the charge. This because you can not be insured if you are disqualified ,even if you did have a policy.

[THECORBYLOON]

Being disqualify does not prevent being insured. Insurance is needed to have a car on the road even if it's not being driven. See this link, http://www.drivingban.co.uk/drivingban/drivingbaninsurance.htm

[New Judge]

This seems to have strayed a little!

Original question (roughly): After being disqualified (and having got my licence back) will my NCB be available?

Then: Don’t think of driving with no insurance because you can go to prison.

Then: No you can’t.

Then: Yes but you can go to prison if you kill somebody whilst uninsured.

Then: Ah but driving whilst disqualified is imprisonable and you will also be driving with no insurance.

All Beswad asked was about a NCB after a driving ban has finished. Now he’s being warned not to drive uninsured, not to drive whilst disqualified and not to kill anybody whilst he’s at it, all of which will, apparently, see him landed in the Chokey!

I’d better mention this as well: You can also go to prison if you drive with excess alcohol in your system (whether insured or not) or if you drive a vehicle used for delivering heroin (whether insured or not) or if you drive it with a knife stuffed in the glovebox (whether insured or not) or if you lean out of the window an shoot somebody whilst driving over Westminster Bridge (whether insured or not) or….. (continued forever and a day)

So be careful out there, Beswad! :-)