Driving disqualification

Have you been given a driving disqualification? Then this can have unpleasant consequences for your motor insurance, such as car insurance. There are many different reasons why you could be banned from driving, for example for driving under the influence of alcohol or drugs. We explain you when you get a driving disqualification and how you can still get an insurance with a driving disqualification.

When do you get a driving disqualification?

A driving disqualification means that you are not allowed to drive a motor vehicle for a certain period of time. A driving disqualification is not only valid for a car, but for all motorized vehicles. You can get a driving disqualification if you:

  • Driving under the influence of alcohol or drugs
  • Driving more than 50 kilometres per hour too fast
  • Causing danger or nuisance on the road
  • Driving an uninsured car
  • Driving while disqualified or with an invalid driving licence
  • Driving on after causing an accident

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

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Driving disqualification Germany

Suppose you commit a serious traffic offence in Germany and are subsequently banned from driving. Penalties such as a driving disqualification only apply in the country in which the offence was committed. So if you get a driving disqualification in Germany you are allowed to drive in the Netherlands. However, in Germany you are not allowed to drive a motor vehicle, not even to drive back to the Netherlands. For a driving disqualification or another traffic offence in Germany, no points are added to the Dutch beginner's driving licence or points driving licence.

Alcohol driving disqualification

If you drive 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 possessions. If you are caught with too much alcohol on you will be banned from driving. Do you drive under the influence of alcohol damage? Then it is possible that your insurer will not compensate the damage and may even cancel the insurance. An insurer may have an alcohol clause. An alcohol clause means that the insurer compensates the damage for the other party, but that you subsequently have to pay these costs back to your insurer.

Driving disqualification car insurance

A driving disqualification can have major consequences for your car insurance. Insurers have the right to terminate the insurance when you get a driving disqualification. Also, taking out a new car insurance will cause problems. Chances are that a regular insurance company will not accept you. They see you as an increased risk, even if your disqualification has already ended. The chance is great that you can only get car insurance from De Vereende. De Vereende specialises in insuring special risks, such as a driving disqualification.

Driving disqualification Germany

Suppose you commit a serious traffic offence in Germany and are subsequently banned from driving. Penalties such as a driving disqualification only apply in the country in which the offence was committed. So if you get a driving disqualification in Germany you are allowed to drive in the Netherlands. However, in Germany you are not allowed to drive a motor vehicle, not even to drive back to the Netherlands. For a driving disqualification or another traffic offence in Germany, no points are added to the Dutch beginner's driving licence or points driving licence.

Alcohol driving disqualification

If you drive 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 possessions. If you are caught with too much alcohol on you will be banned from driving. Do you drive under the influence of alcohol damage? Then it is possible that your insurer will not compensate the damage and may even cancel the insurance. An insurer may have an alcohol clause. An alcohol clause means that the insurer compensates the damage for the other party, but that you subsequently have to pay these costs back to your insurer.

Driving disqualification car insurance

A driving disqualification can have major consequences for your car insurance. Insurers have the right to terminate the insurance when you get a driving disqualification. Also, taking out a new car insurance will cause problems. Chances are that a regular insurance company will not accept you. They see you as an increased risk, even if your disqualification has already ended. The chance is great that you can only get car insurance from De Vereende. De Vereende specialises in insuring special risks, such as a driving disqualification.

Driving disqualification driving without a licence

Driving without a licence is not normally a crime. Driving without a VALID driving licence, on the other hand, is a criminal offence. Getting into a car without a valid driving licence can result in a driving disqualification if you are caught. In addition, you are not insured in this case. Do you cause damage while driving a vehicle without a valid driving licence? Then all costs are for your own account. Damage to a motor vehicle can be substantial, even if you only hit a pole.

Driving disqualification insurance registration

The Ministry of Transport, Public Works and Water Management has approved the registration of driving disqualifications in the CIS database. It is important for motor vehicle insurers to know whether an insured's driving licence has been (temporarily) withdrawn. The data of driving disqualifications are provided by the Public Prosecutor's Office after the person concerned has been sentenced to a driving disqualification by a judge. A driving disqualification remains registered for 5 years at Stichting CIS.

Driving disqualification driving without a licence

Driving without a licence is not normally a crime. Driving without a VALID driving licence, on the other hand, is a criminal offence. Getting into a car without a valid driving licence can result in a driving disqualification if you are caught. In addition, you are not insured in this case. Do you cause damage while driving a vehicle without a valid driving licence? Then all costs are for your own account. Damage to a motor vehicle can be substantial, even if you only hit a pole.

Driving disqualification insurance registration

The Ministry of Transport, Public Works and Water Management has approved the registration of driving disqualifications in the CIS database. It is important for motor vehicle insurers to know whether an insured's driving licence has been (temporarily) withdrawn. The data of driving disqualifications are provided by the Public Prosecutor's Office after the person concerned has been sentenced to a driving disqualification by a judge. A driving disqualification remains registered for 5 years at Stichting CIS.

Taking out insurance after driving disqualification

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

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

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

Do you have any questions? Then get in touch with us. We will be happy to help you! We are available from Monday to Friday from 08:00 to 18:00 on telephone number 088-6883700.

Calculate the premium of your Vereende car insurance directly

  • i To calculate the premiums, we need the postal code of the main driver. In case of private use, the youngest driver must reside at the same address as the applicant. In case of business use you can fill in the postal code of the company.

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Last updated: 10-05-2022

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