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Car Insurance with Points

Car Insurance for Drivers with Points

The challenge in trying to get affordable car insurance with points on your license is that generally car insurers will see you as higher risk. The best way to get around this subjectivity is to take the time to look at a number of different car insurance quotes to get a feel for how much you will be expected to pay for car insurance. Car Insurance companies will have different underwriting policies in determining the premium they will require you to pay to obtain cover so shopping around can pay dividends!

Car Insurance - With Points and Previous Convictions
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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.