Car Insurance With Points on Licence
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Get multiple quotes from specialist convicted driver insurance brokers. Whether you have 3, 6, 9 or 12 points on your licence, we can help you find affordable cover.
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Why Compare Young Driver Car Insurance with Points at MultiQuoteTime?
MultiQuoteTime understands the hassle and stress of finding and comparing insurance quotes from multiple UK providers. This can be even more difficult for young drivers with penalty points, as many mainstream insurers refuse to quote or charge significantly higher premiums.
To save you time, and we hope money, we have partnered with Quotezone to provide you access to an online comparison tool that includes specialist insurers who cover young drivers with 3 to 9 points on their licence. Complete one easy online form to obtain multiple quotes – and it’s 100% free!
Guide to UK car insurance with points on licence for younger drivers
If you have points on your licence, you may find it difficult to find an affordable van or car insurance policy. This is a direct result of the added risk that the broker and underwriter would take by offering you car cover. This makes it challenging, but shopping around and comparing multiple quotes for convicted driver insurance is still the way to find a more affordable deal.
Using a comparison service could result in having to pay less for your insurance with points policy than you initially thought. The panel specialises in insuring individuals with points or driving convictions. They understand that maintaining your ability to drive is paramount. Their aim is to take as much of the legwork from you as possible in your quest to find affordable car insurance with points on licence.
Affordable car insurance is for drivers with points can difficult to find as many providers refuse to even quote for high risk drivers. We can help by providing you multiple quotes from a select panel of UK brokers that deal exclusively on car insurance with points on licence or those with SP30 speeding endorsements.
Car Insurance by Number of Points
With the increase in surveillance, the number of UK drivers with points has increased significantly and most main insurance providers will still provide competitive quotes for drivers with 3 or 6 points. Above 6 points, fewer providers will quote, but we have access to some providers who will still offer cover up to 12 points. Here’s what you need to know:
Car Insurance with 3 Points on Licence
Having 3 penalty points is the most common scenario for UK drivers, usually from a minor speeding offence. The good news is that 3 points generally have a minimal impact on your insurance premium, typically increasing costs by 5-10%.
What to Expect with 3 Points:
- Most standard insurers will still cover you
- Premium increase typically £50-£150 per year
- Points remain on your licence for 4 years but only affect insurance for 3 years
- You must declare points to your insurer
6 Points on Licence
With 6 penalty points, you’re considered a higher risk driver. This could be from two separate speeding offences or one more serious conviction. Finding the cheapest car insurance with 6 points requires comparing specialist insurers.
How 6 Points Affect Your Insurance:
- Premium increases can be 25-50% higher
- Some mainstream insurers may decline to quote
- Specialist convicted driver insurers can offer better rates
- Combining convictions (e.g., SP30 + SP50) affects pricing differently
Car insurance with Points is not uncommon for young and mature drivers
The department of transport released figures for March 2021 that show it is not uncommon for drivers to have points on their licence is many areas of the UK over 10% of drivers have points on their driving licence. The table is available here for viewing and download. In North Yorkshire, the figure was 13.1% of drivers had points on their driving licence.
How Much Does Car Insurance Cost with Points on Your Licence?
One of the most common questions we hear is how penalty points affect the cost of car insurance. The short answer is that points will almost always increase your premium, but the amount varies depending on several factors including your age, vehicle, location, the type of offence, and which insurer you use. Whether you have points for speeding, using a mobile phone (CU80), or a more serious conviction like an MS90, comparing quotes from specialist providers can help you find a more competitive deal.
| Points on Licence | Typical Premium Increase | Illustrative Annual Cost* |
|---|---|---|
| 3 Points | 5% – 10% | £525 – £550 |
| 6 Points | 25% – 50% | £625 – £750 |
| 9 Points | 50% – 80% | £750 – £900 |
| 12+ Points | 80% – 150%+ | £900 – £1,250+ |
*Illustrative figures only, based on a £500 base premium for an average UK driver. Your actual premium will depend on your individual circumstances including your age, vehicle, location, driving history, and the insurer you choose. These figures should not be taken as a quote or guarantee of price. Read our guide on how much 3 penalty points increase car insurance for more detail.
What Affects the Cost of Your Premium?
Type of Offence
The conviction code matters. A speeding offence (SP30) is generally viewed differently to a drink driving conviction (DR10) or driving without insurance (IN10). More serious offences typically result in a larger increase.
How Recent the Conviction Is
Points from a recent conviction will usually have a greater impact on your premium than older points. Most convictions must be declared for five years, although points typically remain on your licence for four years. More serious offences such as drug driving can stay on your licence for up to 11 years.
Your Age and Experience
Younger drivers and those with less experience may see a larger percentage increase. New drivers can have their licence revoked after accumulating just six points within two years of passing their test, resulting in a totting up (TT99) conviction.
Your Vehicle
Higher insurance group vehicles may attract a steeper increase when combined with penalty points. Switching to a car in a lower insurance group could help reduce your overall premium.
Important: The information on this page is for general guidance only and does not constitute financial advice. Insurance premiums are determined by individual insurers based on your personal circumstances. We recommend comparing quotes to find a policy that meets your needs. MultiQuoteTime is not an insurer; we help you compare quotes from a panel of specialist providers.
How to find affordable insurance for young drivers with points?
Having points will indicate to the insurance company that you pose a higher risk of offending and being in an accident than a driver with similar profile, but with no penalty points. To get cheap car insurance with penalty points, you must take steps to lower your risk profile both in short term and long term.
Compare the costs of car insurance with points on your driving licence
It is always important to compare cost of insurance before deciding on a provider, and this is particular true when looking for car insurance with points. Different brokers view the risk of convicted drivers differently, and insurance premiums can be calculated differently from one broker to the next. If you now have a driving licence with penalty points or a DR10 conviction, come renewal time you need to get multiple broker quotes, to help find the most affordable option.
Having points may increase the cost of insurance when it comes to renewal time. It really depends on the number of points and your overall driving history. If you have just qualified and have totted up penalty points, you will likely see an increase. On the other hand, if you had a good history of driving, and the offence is minor the points may not have any effect,
Insurance for young drivers with points FAQ’s
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Read guideDiscover Other Convicted Driver Insurance Products
Tailored quotes from a panel of convicted driver insurance specialists
DR10 Car Insurance
Specialist cover for drivers with a drink driving conviction
IN10 Car Insurance
Cover for drivers convicted of driving without insurance
CU80 Car Insurance
Insurance for drivers convicted of using a mobile phone
SP30 Speeding Insurance
Cover for drivers with speeding convictions on their licence
Drug Driving Insurance
Specialist cover for drivers with drug driving convictions
MS90
Cover for failure to give information to identify a driver
DD40 Car Insurance
Specialist cover for drivers with a dangerous driving conviction
Motor Trade with Convictions
Motor trade cover for drivers with motoring convictions
Car Insurance with Points
Compare quotes for drivers with points on their licence
Convicted Van Insurance
Specialist van insurance for drivers with convictions
CU20 Insurance
Cover for drivers convicted of causing death by careless driving
TT99 Car Insurance
Insurance for drivers disqualified under the totting up procedure
Cancelled Car Insurance
Cover for drivers who have had a previous policy cancelled
