Car Insurance Penalty Points

Car Insurance with Penalty Points

Trying to get car insurance with penalty points on your driving license could mean that you will face higher premiums depending on the extent of the points on your license. The first thing to make clear is that, while looking for car insurance quotes it is of vital importance that you are honest about both the extent and the reasons behind the penalty points in your license. An insurance contract will be considered void if it is found out that you have withheld information.

A person will receive penalty points on their license that will stay for a predetermined length of time. In the UK this translates as:
Eleven years for:

  • Drink or drug driving
  • Causing death by dangerous driving with drink or drug driving
  • Causing death by dangerous driving

Four years:

  • Reckless/dangerous driving
  • Being disqualified for an offence
  • Being disqualified until you have re taken a full driving test

One year:

  • All other offences

Companies providing car insurance look at penalty points in a number of different ways. Some may not increase premiums for drivers who have penalty points for a year but most will raise premiums for more serious offences. The basic idea here is that drivers who have been caught driving dangerously or endangering others are a higher risk to insure than normal drivers.
Penalty points that have expired can be removed form a persons driving license by a simple exchange for a new one. 


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.