Insurance for Drivers with Penalty Points

Car insurance with penalty points

You may find you have been struggling to find affordable car insurance now that you have points on your licence. Here at Insurance Revolution we are able to offer you fair and competitive rates, even with your penalty points. We are a specialist insurer when it comes to providing car insurance with penalty points, and we make the process simple. We don’t hassle you with jargon and false promises, we will speak to you straight, and as we are in business with some of the UK’s top penalty points insurance specialists, we will be able to offer you a quote you can be happy with. 

How long do points on a licence last?

This can vary, as not all motoring convictions stay on your licence for the same amount of time, this will depend on the severity of the conviction. The majority of points will stay on your licence for 4 years, but the more serious ones can stay on your licence for up to 11 years. You will find that most convictions surrounding drink and drug driving will stay on your licence for 11 years, as well as convictions for causing death by careless driving. If you are still unsure how long your penalty points will stay on your licence, you can give us a call and one of our knowledgeable members of staff can answer that question for you. 

How can I get penalty points removed from my licence?

You do not need to do anything, penalty points will automatically be removed from your licence once they have expired. 

Can I do anything to lower my insurance premium if I have points?

You may not find insurance as cheap as you would have before you received penalty points, but there are certain things you can do to keep the price as low as possible. How insurers will decide on a premium depends on many factors, which does include your driving history, but it also includes what vehicle you drive, your address, where you park your car and many others. There are a few things that you can do to try and lower your car insurance cost, one thing to do is lower the mileage, or if you usually drive to work, you could find another way to go to and from work and you won’t need to insure your car for commuting. A factor that you can control which would have one of the biggest impacts, is to make sure you are driving a car that is one of the cheapest to insure, all cars are put into insurance groups, the lower the group, the cheaper it is to insure. We have written a blog about the cheapest cars to insure. 

How do penalty points affect insurance?

Having penalty points on your licence can have a negative impact on the price of your car insurance. This is because insurers will take your driving history into account and deem you a higher risk. You can find more details on how penalty points affect your car insurance here. 

Get your quote today

Please give us a call today and we can find you the correct insurance that takes into account your penalty points. We have a team of dedicated sales advisors who would be happy to shop the market for you. We work with many specialist insurers, so we will have no problem finding an insurance policy that suits you. If you would rather we call you, please click the ‘get a quote’ button and fill out the online form, a member of our team will then be in contact with you as soon as possible.