Car Insurance Quotes for People with Points
If you are convicted for a motoring crime in the UK, the court can authorise penalty points on your driving licence. You may find it hard to get a good quote on car insurance as people with points on their licence are usually categorized as higher risk, and you can expect that premiums will be higher than usual. You can receive points on your licence for committing offences including:
- Careless driving
- Failing to stop at a red light
- Driving an uninsured vehicle
The amount of points you receive will reflect the seriousness of the crime. If you are issued 12 or more points, your licence will be removed and you will be disqualified from driving. Some serious offences will result in an instant ban and sometimes even a prison sentence. These can include:
- Drinking or drug taking whilst driving
- Causing death by reckless or dangerous driving
- Causing death whilst under the influence of alcohol/drugs and driving
If you are searching for car insurance with points you may have to accept that the premiums will be a little higher. This is because insurance providers now consider you to be a riskier driver from an insurance perspective. They believe that you are at higher risk in being involved in a road accident and are therefore more likely to make a claim.
Always drive safely and cautiously to avoid any more points on your licence. See below to get quotes if you have points on your license.