Car insurance for 20 YO after novice driving license ban

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dfordog

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Disqualified from driving 6 months ago on a novice license. Accepted / paid fines so no court hearing / conviction.
Offences (Two for 60kph in a 50 zone, One for 120kph in a 100 zone with two tyres worn excessively).
Getting license back next week. After 6 month ban all points will have been removed, i.e. back to zero.
Three year claim free driving (One as a named driver, Two on own insurance)
Trying to get a 1999 corolla (1.4 petrol) insured.
Unsuccessful with online quotes so far.
Car required for travelling to work. Who can we call?
 
You'll struggle with a 27 year old car. Most insurers - as new quotes - don't like them. Tie that in with a 20 year old who has already received a ban for driving and you're way too far down the wrong side of things. You would probably stand a better chance with a small engined 10 year old vehicle.
Worst case scenario get 3 declinatures and go to the declined cases committee but I'd expect a telephone number of a quote.
 
dfordog said:
After 6 month ban all points will have been removed, i.e. back to zero.
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Are you sure about that? I thought that penalty points always lasted for 3 years?


How long do penalty points stay on my licence?​

Penalty points remain on your licence record for 3 years. Any period where your licence is out of date or you are serving a court disqualification does not count as part of the 3 years. If your driving licence is out of date, the points will only apply from whenever you renew your licence.

If you accumulate 12 points or 7 where applicable and are disqualified from driving for 6 months.
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Screenshot 2026-03-10 111909.webp

Screenshot 2026-03-10 112242.webp




www.zurich.ie

How do penalty points affect your car insurance?

Driving safely and following road regulations is imperative, and in this article, we will look at how penalty points affect your car insurance, from premium increases to driving bans, plus tips to avoid points and check your record online.
www.zurich.ie www.zurich.ie
 
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While you do not have to disclose the penalty points when looking for a quote you probably will have to disclose the driving ban and the conviction for the bald tyres for up to 5 years. If they ask about bans or convictions within the last 3-5 years you will need to disclose.

I think you will need to balance how important it is for you to have car transport versus the high cost it will entail.
 
There was no conviction. The offence was accepted and paid before going to court. The driver has had a 6 month ban so has paid the price to be fair. Also, if the car has NCT approval, why would they not accept that it is safe to drive?
 
dfordog said:
Also, if the car has NCT approval, why would they not accept that it is safe to drive?
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Many insurers won't insure vehicles over a certain age even with an NCT. They just don't take on such risks on actuarial grounds.
dfordog said:
Unsuccessful with online quotes so far.
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How many insurers/brokers have been tried so far?
Have they all refused so far?

If so then this may be the only option.
peteb said:
Worst case scenario get 3 declinatures and go to the declined cases committee but I'd expect a telephone number of a quote.
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Motor insurance

Motor insurance is a compulsory requirement to drive a car in a public place. A current Certificate of Insurance is required to get motor tax.
www.citizensinformation.ie www.citizensinformation.ie

If you are refused motor insurance​

Individual insurers have the right to refuse you cover, but they must provide you with a reason for the refusal should you ask for one. If you have been refused cover, you are entitled to go to the Declined Cases Committee of Insurance Ireland who will get an insurance quotation for you. In order for the Committee to consider your case you must first have sought and been refused quotations in writing from at least 3 insurers.
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Declined Cases Agreement - Insurance Ireland

What can I do if I am unable to obtain motor insurance? Insurance Ireland operates a Declined Cases Agreement, which is adhered to by all motor insurers in Ireland. Under the agreement, the insurance market will not refuse to provide...
insuranceireland.eu insuranceireland.eu
 
For what it's worth, Google AI response for your original post...
Getting insured after a 6-month ban for 7+ penalty points as a young/novice driver is difficult via standard online quotes. You must declare the disqualification (as it is a material fact) to avoid voiding insurance. Focus on specialist brokers and insurers known for covering high-risk drivers, such as Liberty Insurance, AXA, Allianz, 123.ie, First Ireland Risk Management, AbbeyAutoline, or Coverinaclick.ie.

Who to Call for Quotes
Because online systems automatically reject drivers with recent bans, you must call these providers directly:
  • Specialist Brokers: Coverinaclick.ie, First Ireland Risk Management, Arachas, AbbeyAutoline.
  • Direct Insurers: Liberty Insurance, AXA, Allianz, 123.ie.
Key Information for Your Application
  • Declare the Ban: You must disclose the 6-month disqualification.
  • Explain the Points: Although points are wiped, the reason for the 6-month ban must be declared.
  • Claim Free Experience: Emphasize your 3 years of claim-free driving (1 as a named, 2 on your own) to help mitigate the risk.
  • Vehicle: A 1999 1.4L Corolla is generally a good, low-risk car for insurance purposes, though its age may limit some insurers.
Potential Additional Requirements
  • You may be required to pay a higher premium due to the recent disqualification.
  • You might be required to take a specific driving course or be subject to higher excess amounts.
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dfordog said:
The driver has had a 6 month ban so has paid the price to be fair.
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A novice driver
Was caught speeding.
Was caught speeding again.
Drove a car unfit for the road.

He is very likely to be a boy racer who does not have the money to put a decent car on the road. No insurance company should touch him.

But to be fair, the public deserves to be protected from him. He should have at least a 5 year ban.
 
You are correct that spent penalty points do not have to be disclosed when the insurers ask about current penalty points. However many do ask about driving bans or disqualifications within the last 3/5 or even 10 years. So this will need to be declared if asked.

Try some variables with the online quotes changing the car age to something less than 10 years and see if they will quote in that instance. The history of the driving ban willl definitely increase the quote but the car may be what is making them not quote in the first place.

It is generally very difficult for learner drivers who need a car for work. I have several in my workplace and they are pushing to get their lessons and licence but then need loans for cars and insurance, all the while at the start of their career and with little spare cash. Not living and working in an urban area the main goal of many young people is independent transport. We have apprentices who need to be in college and in the workplace which can be many km apart and I see their parents trying to fit the young persons schedule into their own to keep the show on the road.
 
I have had old cars in the past. As far as I recall, when they reached 15 years old, a lot of insurers wouldn't quote. I could continue with my current insurer but couldn't do much shopping around.
Maybe you'd get clearer information with phone calls than trying to get online quotes?
 
I had to get rid of my 2002 car in 2017 as the insurance was increased on it too much due to age and no other insurer would take it on so I doubt things have got better since! I'd say not a hope of insuring a car that old for a new customer, some slight chance if you were an existing customer
 
In the UK after 6 points their license would be revoked and they'd have to retake their test from scratch, starting with applying for a provisional license. Far too lenient here imo.
 
dfordog said:
The driver has had a 6 month ban so has paid the price to be fair.
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According to the law but the likelihood of them being involved in an accident must be very high so I can’t see any insurance company going near them.

The age of the car is probably the biggest red flag.

Corollas are great and will go forever but it kind comes across as buying something for a few quid and not really caring about it as you can buy same again. What’s it worth 1k? Less?

Basically a drive it like you stole it approach.

The bald tires would probably support that.
 
faketales said:
The age of the car is probably the biggest red flag.
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I would have thought that a 6 month ban for a novice driver was an even bigger red flag! They are obviously irresponsible and a higher risk than many/most other drivers, regardless of what vehicle they're using.

And while they may have paid a price for prior offences via the 6 month ban, they will continue to pay for this in the form of a probably significant insurance loading for a few years to come.
 
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