Insurance for Drivers with Points

Getting insurance with points on your licence

There are many ways you can end up with points on your licence. Some drivers will have points as a result of an obvious conviction like drink driving, while others will have points as a result of more obscure offences. No matter how you get them, they will have a direct impact on your insurance, and the cost of renewal. 

How much does the cost of insurance go up after getting points?

Research suggests that your insurance costs could go up 5% when you get just 3 points on your licence. And if you receive 6 points, it could go up as much as 25%. So hypothetically, your premiums could be affected as follows:

Typically, the more points you have on your license, the more you’ll pay for insurance. However, points and driving convictions are not the only things that affect your insurance premiums. Meaning these increases could be offset by other factors. Just a few of these include your age, location, and the vehicle you are insuring. 

The fastest way to find out exactly how points affect your insurance costs is to compare car insurance for drivers with points. When you compare with Quotezone, you get personalised quotes in minutes.

How can I find cheap insurance for drivers with points?  

While there isn’t much you can do about the points themselves once you have them. But there are other steps you can take to improve your overall risk profile and potentially lower insurance costs. 

1. Opting for black box policies

Black box policies use a device or app to provide the insurer with real-time data about your driving. It helps to offset some of the risk you represent to the insurer.  

2. Reducing your annual mileage

The more miles you clock up, the more likely you are to be involved in an accident. So, if you’re able to reduce your mileage that could bring your premium down.  

3. Parking your car off the road

If you have a garage or a driveway, parking your car there at night instead of on the roadside could help lower your premium. 

4. Choosing coverage wisely

Any additional coverage or add ons will come at a price. Being more conservative with the cover you include could help offset the cost of receiving points.  

5. Compare car insurance for drivers with points

Getting quotes from multiple insurers is an essential step when searching for cheap insurance for drivers with points. At Quotezone, we only match you with providers who can meet your needs, so you don’t waste any time.  

Can I get a driving ban for having too many points on my licence?

Yes, this is known as a “totting up” ban and carries the conviction code TT99. If you accumulate 12 penalty points within the space of 3 years, you could be disqualified for driving and carry this conviction on your licence for 4 years.