Car Insurance with Points

Guide to UK car insurance with points on licence

If you have points on your licence, you may find it difficult to find an affordable van or car insurance policy. This is a direct result of the added risk that the broker and underwriter would take by offering you car cover. This makes it challenging, but shopping around and comparing multiple quotes for convicted driver insurance is still the way to find a more affordable deal.

Do your research, with online comparison it is now easier to find a range of insurance options for drivers with penalty points on their driving licence. You could contact each insurance company, or it may be more feasible and time saving to use a comparison website service, example GO Compare.  We work in partnership with QuoteZone. They provide a simple form which once completed is submitted to a specialist panel of brokers that quote for drivers with points on their licence.  The panel will be in contact via the telephone to provide you insurance quotes. This select panel of UK brokers are able to offer comparative quotes for drivers with convictions.

Using a comparison service could result in having to pay less for your insurance with points policy than you initially thought. The panel specialises in insuring individuals with points or driving convictions. They understand that maintaining your ability to drive is paramount. Their aim is to take as much of the legwork from you as possible in your quest to find affordable car insurance with points on licence.

Affordable car insurance is for drivers with points can difficult to find as many providers refuse to even quote for high risk drivers. We can help by providing you multiple quotes from a select panel of UK brokers that deal exclusively on car insurance with points on licence or those with SP30 speeding endorsements. 

Car insurance with Points is not uncommon

The department of transport released figures for March 2021 that show it is not uncommon for drivers to have points on their licence is many areas of the UK over 10% of drivers have points on their driving licence. The table is available here for viewing and download. In North Yorkshire, the figure was 13.1% of drivers had points on their driving licence. 

How to get affordable car Insurance with Points?

Having points will indicate to the insurance company that you pose a higher risk of offending and being in an accident than a driver with similar profile, but with no penalty points. To get cheap car insurance with penalty points, you must take steps to lower your risk profile both in short term and long term.  

Compare the costs of car insurance with points on your driving licence

It is always important to compare cost of insurance before deciding on a provider, and this is particular true when looking for car insurance with points. Different brokers view the risk of convicted drivers differently, and insurance premiums can be calculated differently from one broker to the next. If you now have a driving licence with penalty points or a DR10 conviction, come renewal time you need to get multiple broker quotes, to help find the most affordable option.

Having points may increase the cost of insurance when it comes to renewal time. It really depends on the number of points and your overall driving history. If you have just qualified and have totted up penalty points, you will likely see an increase. On the other hand, if you had a good history of driving, and the offence is minor the points may not have any effect,