Insurance with a driving disqualification

A driving disqualification means that you are not allowed to drive a motor vehicle for a certain period of time. So a driving disqualification applies not only to a car, but to all motorized vehicles. You can be issued a driving ban if you:

• Drives under the influence of alcohol or drugs
• Speeding more than 50 kilometers per hour
• Causing danger or inconvenience on the road
• Driving an uninsured car
• Driving while on a driving suspension or with an invalid license
• Driving on after causing an accident

The police, a prosecutor or a judge can impose a driving ban on you. This driving disqualification can be for a few days, a few weeks, several months or sometimes even for several years.

Suppose you commit a serious traffic violation in Germany and then receive a driving ban. Penalties such as a driving ban apply only in the country in which the offense was committed. Therefore, if you receive a driving disqualification in Germany, you may still drive in the Netherlands. However, you may no longer drive a motor vehicle in Germany, even to drive back to the Netherlands. For a driving disqualification or other traffic violation in Germany, no points are added to the Dutch beginner's license or points driving license.

If you go on the road under the influence of alcohol, you can cause major damage. Not only to your own vehicle or yourself, but also to others or other people's property. If you are caught with too much alcohol on you will get a driving ban. Are you driving under the influence of alcohol causing damage? Then your insurer may not pay for the damage and may even cancel your insurance. An insurer may have an alcohol clause. An alcohol clause means that the insurer will reimburse the other party for damages, but you must then pay these costs back to your insurer.

A driving disqualification can have major consequences for your auto insurance. Insurers have the right to terminate insurance at the time you get a driving disqualification. Also, getting a new car insurance policy will cause problems. Chances are that a regular insurance company will not want to accept you. They see you as an increased risk, even if your driving disqualification has already ended. Chances are good that you can only get car insurance from De Vereende. De Vereende specializes in insuring special risks, such as a driving disqualification.

Driving without a license in your pocket is not normally a crime. Driving without a VALID license, on the other hand, is a criminal offense. If you get into a car without a valid license, you may be subject to a driving disqualification if you are caught. Moreover, in that case, you are also not insured. Do you cause damage while driving a vehicle without a valid license? Then all costs are at your own expense. Damage to a motor vehicle can be substantial, even if all you have done is hit a bollard.

The Ministry of Transport and Public Works has granted approval for registration of driving disqualifications in the database of the CIS Foundation. It is important for motor vehicle insurers to know whether an insured's driving license has been (temporarily) revoked. The details of driving disqualifications are supplied by the Public Prosecutor's Office after the person has been sentenced to a driving disqualification by a judge. A driving disqualification remains registered with Stichting CIS for 5 years.

If you have had a driving disqualification in the past, there are few regular insurance companies willing to accept you. However, there are some companies that may make an exception, but this depends on, among other things, :

• The duration of the driving disqualification
• The date of the driving disqualification
• The reason for the driving disqualification

At Geennee.nl , we will initially try to accommodate you with a regular insurer at normal rates. Is this not possible? Then we can always accommodate you at De Vereende. Because De Vereende specializes in special damages and risks, people with a driving disqualification, a criminal record or a registration as defaulter can also go there.

Still have questions? If so, please contact us. We are happy to help you! We can be reached Monday through Friday from 8:00 am to 6:00 pm at telephone number 088-6883700.