Car Insurance for Young Drivers with Points

Quotes for Car Insurance for Young Drivers with Points

If you have recently passed your driving test, the last thing you want is to have that freedom revoked. Penalty points on your licence can do just that. If you are a young driver with points, car insurance can sometimes be an expensive purchase.
You will most likely be given penalty points on your driving licence in the UK if:

• You are caught speeding (between  3-6 points)
• You drive through a red light or stop sign (3 points)
• Driving carelessly (3-9 points)
• Driving an uninsured vehicle (6-8 points)
• Not stopping after an accident (5-10 points)

If you manage to rack up 12 or more points you will be disqualified from driving and have your licence removed.
You should also expect your car insurance premiums to be expensive. This is because young people with points on their licence are considered high risk in the eyes of the insurance company. They are more likely to crash or have an accident and are therefore more likely to make a claim.

However, there is still hope! Firstly, you could always enrol on a speeding awareness course or the pass plus course which will help to reduce the points on your licence and perhaps lower your premiums. The pass plus course will prove to insurers that you are a capable and responsible driver, which will look good when you apply for car insurance.

There are many companies, like the ones we have listed below that could help you to find car insurance for young drivers with points, so shop around to find the best quotes for you.

The amount of points you have on your license will determine what rating the insurer will apply. A basic breakdown goes as follows:

Points that stay on a license for eleven years form the date of conviction:

• Driving under the influence of drink or drugs
• Having caused death by dangerous driving while under the influence of drink or drugs
• Failing to provide a specimen for analysis after causing death by dangerous driving

Points that stay for four years after the date of conviction:

• Reckless or dangerous driving
• Offences resulting in a disqualification

Trying to get car insurance with points that will last eleven years will likely result in substantially higher premiums due to these offences showing a clear disregard for ones own personal safety as well as that of others.

Points are an important measure for car insurance companies. Failure to disclose any information (such as past convictions) that would likely influence the basis of a contract is illegal.