Quotes for Car Insurance with Points
Trying to obtain a great car insurance deal with points on your licence is never going to be an easy task. If you are unlucky enough to have been penalised with points on your licence, you should expect that your premiums will be higher than usual.
Points can remain on your licence for 3-4 years after your conviction, and this can be detrimental to your search for cheap car insurance. Your premiums are likely to be high because you are considered to be an extra risk on the road if you have points. Insurers believe that it is more probable that you will crash or be in a road accident. Therefore, you are more likely to make a claim on your car insurance.
Although you can expect higher premiums, if you have points on your licence, car insurance prices will vary depending on which company you buy with. Insurers may consider such factors as:
The age of the driver. If you are a young driver, you are considered to be an even greater risk with points on your licence
You gender may play a small role in how you are perceived by an insurance company. Although, new government law has made a law against calculating car insurance quotes according to a person’s gender.
Where you live may also affect your premium rates. If you live in an area that is known to have a high theft rate then it is likely you will pay more for car insurance.
Many insurers offer help toward finding people car insurance with points on their licence. See our table below for providers who specialize in this area.