After a license suspension, finding insurance can become complicated. Here are the solutions to get insured again quickly.
A license suspension can have serious consequences for your car insurance.
Increased rates, contract termination, insurance refusal…
👉 many drivers quickly find themselves stuck.
However, even after a license suspension, solutions exist to find insurance tailored to your situation.
Here's everything you need to know.
What is a license suspension?
A license suspension is a temporary driving ban decided:
- by the administration (administrative suspension)
- or by a judge (judicial suspension)
It can be related to:
- a significant speeding offense
- drunk driving
- drug use
- refusal to comply
- a serious traffic code violation
👉 Depending on the severity, the suspension can last from a few weeks to several months.
Do you need to notify your insurance after a license suspension?
👉 Yes, it's mandatory.
In France, you must inform your insurer within 15 days of your license suspension.
You will generally need to provide:
- the suspension notification
- the circumstances of the offense
- your vehicle registration
⚠️ Failure to declare a suspension can have serious consequences:
- refusal of compensation
- contract invalidation
- termination by the insurer
What are the consequences for your car insurance?
After a suspension, the insurer generally considers the driver a high-risk profile.
👉 Several consequences are possible:
📈 Premium increase
Your premium can increase significantly.
Depending on the case, increases can reach:
- +50%
- +100%
- or even more for serious offenses
❌ Contract termination
The insurer can also:
- terminate your contract
- refuse its renewal
👉 This is common after:
- alcohol
- drugs
- repeat offenses
- serious misdemeanors
🚫 Difficulty finding insurance again
After termination, many companies refuse "high-risk" applications.
👉 But that doesn't mean you're without a solution.
Can you find insurance again after a license suspension?
👉 Yes, fortunately.
Specialized insurers and brokers offer contracts adapted to aggravated profiles:
- license suspension
- termination
- penalty points
- alcohol intoxication
- drug use
What solutions exist?
✔️ Go through a specialized broker
This is often the best solution.
👉 A specialized broker can:
- compare several insurers
- negotiate tailored solutions
- find contracts that accept aggravated profiles
✔️ Adapt your coverage
To reduce the price:
- choose third-party coverage
- limit certain optional guarantees
- choose a less powerful vehicle
👉 This often allows you to find more affordable insurance.
✔️ Gradually improve your profile
Over time:
- no claims
- stable driving
- end of suspension
👉 your profile gradually becomes more acceptable to insurers.
What if all insurance companies refuse?
👉 There is a legal solution: the Bureau Central de Tarification (BCT).
The BCT can compel a company to insure you for at least civil liability.
⚠️ Attention:
- the process can be lengthy
- only minimum guarantees are imposed
How much does insurance cost after a license suspension?
The rate depends on:
- the reason for the suspension
- its duration
- your history
- the insured vehicle
👉 The most penalizing offenses are generally:
- alcohol
- drugs
- hit-and-run
Mistakes to avoid
❌ Not declaring the suspension
❌ Driving without insurance
❌ Waiting for termination before seeking a solution
❌ Underestimating the impact of the offense
👉 These mistakes significantly worsen your situation.
Why is acting quickly essential?
Even if you temporarily stop driving:
👉 your vehicle must generally remain insured for at least civil liability.
Driving without insurance exposes you to:
- criminal penalties
- heavy financial consequences
- even greater difficulty getting insured afterward
👉 Find a suitable insurance solution with KT Assurance
At KT Assurance, we support drivers who are:
- terminated
- with penalty points
- after license suspension
👉 We seek solutions tailored to your profile and budget.
👉 Get your quote now
Are you looking for insurance after a license suspension?
👉 Contact us to:
- compare available solutions
- find coverage quickly
- get back on the road legally
KT Assur&Bank helps you find insurance tailored to your situation.