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6 possible consequences disqualification from driving

There are many different reasons why you can get a driving disqualification, such as for driving under the influence of alcohol or if you are speeding more than 50 kilometers per hour. Everyone understands that a driving disqualification means that you lose your license for a period of time. However, most people do not realize that a driving disqualification can have major consequences, such as on your car insurance. Not only during the driving disqualification, but even afterwards. It seems so simple: once you get your license back, there's nothing to worry about, right? However, this is not how it works for insurers. Moreover, it is not always as "simple" as handing in your license. A driving disqualification sometimes has major consequences. On Geennee.nl we will go into more detail about the possible consequences.

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consequences of driving disqualification

#1 Money penalty

In addition to being disqualified from driving, you may also face a hefty fine. How high the fine is depends on the reason for the driving disqualification. Do you have a driving disqualification because of a speeding ticket (over 50 kilometers per hour speeding)? Then we will look at how much too fast you were driving and whether the speeding took place inside or outside the built-up area or on the highway. If road works took place at the spot where you were speeding, the fine will also be higher. The fine can be as much as €2,800.

Do you have a driving disqualification because you were behind the wheel with alcohol? Then the amount of the fine depends on the blood-alcohol level. A distinction is made between a beginning driver and an experienced driver. If the blood-alcohol level is 1.31 or higher, the judge will determine the amount of the fine.

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#2 community service

Some offenses that result in a disqualification from driving may also subject you to community service. The amount of your punishment depends on the danger you caused and whether you were previously speeding or getting behind the wheel with alcohol. Similarly, if you cause an injury or fatal accident while drinking alcohol or driving way too fast, you will be subject to community service or perhaps even jail time. For drunk driving, community service, up to 240 hours, is often imposed.

#3 Cancellation auto insurance

A driving disqualification often has major implications for your auto insurance. This is because when you receive a disqualification, insurers have the right to terminate your insurance. While you are disqualified from driving, of course, you may not drive, but once it expires you will probably want to drive again. Your car must still be insured. Therefore, if the insurer cancels your car insurance because of your driving disqualification, you will need to purchase new insurance before you can get back on the road. However, getting a new car insurance policy also comes with problems.

#4 Can no longer insure car if disqualification is on it

With a driving disqualification, you can get insurance from few regular insurance companies. Whether you can get auto insurance from a regular insurance company depends on:

  • How long the driving disqualification lasts
  • On what date the driving disqualification was imposed
  • Why the driving disqualification was imposed

At Alpina, we always try to place you with a normal insurer at normal rates first, but this is not always successful. When that fails, you can always turn to the Vereende. De Vereende specializes in insuring special risks and damages. Because of the wide acceptance policy they accept in principle everyone. As a result, even people with a registration due to a driving disqualification, criminal record or non-payment can take out insurance here. This does come with some additional costs. You pay a higher premium than with other companies. You also have to pay three months of premium in advance. Finally, you pay a deposit.

#5 Getting a driver's license again

Is this the second time in 5 years that you have received a driving disqualification for driving under the influence? Or do you refuse to cooperate with an alcohol test (breathalyzer or blood test)? Then you fall under the so-called recidivism rule and your driving license will be invalidated. In that case, you will have to get your driving license again. This means that you have to take a new theory exam, drive a new test and that CBR will give you a medical and psychological examination before you can drive again.

#6 CIS registration

The registration of driving disqualifications in the database of the CIS Foundation has been approved by the Ministry of Transport. This is because it is very important for insurers to know whether a person's driving license has ever been denied. After a person has been issued such a disqualification, the data is supplied by the Public Prosecutor's Office and remains registered with the Central Information System Foundation for five years. A CIS registration affects your auto insurance.

Having trouble getting car insurance? Get car insurance from the Vereende at Geennee.nl!

At Alpina, we are happy to help you insure your car. You can first apply to a regular insurance company. Is your application not accepted? Then you can always turn to the Vereende. For questions about taking out car insurance, you can always contact our insurance specialists. You can reach us Monday through Friday from 8 a.m. to 6 p.m. at 030 - 688 37 00. You can also always send us a message via chat, WhatsApp or Messenger.

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To calculate premiums, we need the zip code of the primary driver. For private use, the youngest driver must reside at the same address as the applicant. For business use, you can enter the company's zip code here.
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