Young Driver Car Insurance With Points
– Compare Specialist Quotes Today
Got 3, 6, 9 or 12 points on your licence and being quoted thousands by the big insurers? We help young drivers compare quotes from specialist convicted driver insurance brokers who understand young drivers with points.
Young Driver Quotes With Points
Compare from specialist brokers who cover young drivers with points
Quotes are provided by a panel of specialist convicted driver insurance brokers.
GET MULTIPLE QUOTES →- ✓ Drivers aged 17 to 25 considered
- ✓ 3, 6, 9 or 12 points covered
- ✓ All conviction codes considered
MultiQuoteTime is a comparison site, not an insurer. FCA regulated.
Why Compare Young Driver Car Insurance with Points at MultiQuoteTime?
Finding affordable cover as a young driver is hard enough. Add penalty points to the picture and many mainstream insurers will refuse to quote at all, or come back with premiums that feel designed to push you off the road.
MultiQuoteTime gives you access to a panel of specialist convicted driver brokers who actively cover drivers under 25 with 3, 6, 9 or 12 points on their licence. One online form, multiple quotes, no obligation to buy.
It is free to compare and the panel covers every conviction code, from a minor SP30 speeding offence through to TT99 totting up convictions.
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.
Young Driver Car Insurance by Number of Points
For drivers aged 17 to 25, every penalty point matters more than it does for an experienced driver. New drivers in their first 2 years can lose their licence at just 6 points, and insurers consider age and inexperience as compounding risk factors on top of the points themselves. Here is how each points level affects young driver cover.
3 Points on Licence
Usually from a minor speeding offence, 3 points is the most common scenario for young drivers. Most standard insurers will still quote, though the premium increase tends to be larger for a driver under 25 than for an experienced driver with the same offence. Read our full guide to how much 3 penalty points increase car insurance for the breakdown by offence code. Points stay on your DVLA record for 4 years, but you must declare them to insurers for the full 5-year rehabilitation period.
6 Points on Licence
For a young driver, 6 points is the danger zone. If you passed your test in the last 2 years, this triggers automatic licence revocation under the New Drivers Act. Even outside the 2-year window, mainstream insurers will often decline to quote a driver under 25 at this level. This is where specialist convicted driver insurers become essential. Combining different conviction codes such as SP30 and SP50 affects pricing differently to repeat offences of the same code.
9 Points on Licence
At 9 points a young driver is one offence away from a totting up disqualification, and almost every mainstream insurer will refuse to quote. The specialist broker panel becomes the only realistic route to cover. Comparing multiple quotes side by side is essential as rates vary considerably between brokers willing to underwrite this risk. Common combinations on young driver licences include CU80 mobile phone use stacked with speeding.
12 Points on Licence
Twelve points within a three-year period triggers a totting up ban under the TT99 conviction. For young drivers, this is one of the most challenging insurance markets in the UK to navigate. Specialist post-ban cover is available through a small panel of brokers, but the gap between the cheapest and most expensive quote can be substantial, making it essential to compare every option.
The New Drivers Act: Why 6 Points Means Revocation
If you passed your test in the last 2 years, you face a much stricter standard than experienced drivers. Accumulating just 6 points within the first 2 years results in automatic revocation of your full licence. You must reapply for a provisional licence and pass both your theory and practical tests again. Most young drivers picked up under the Act lose their licence over two separate SP30 speeding offences within months of passing.
Why You Must Declare Every Conviction
For young drivers especially, the temptation to leave older points off a quote application is dangerous. Most insurers ask about convictions for the last 5 years, even though points are automatically removed from your DVLA record at 4 years. Not declaring active points, or hoping the 3-year totting up window means they no longer count, can invalidate your policy and result in future claims being rejected. Specialist brokers are far more accommodating than the comparison sites suggest, so honesty pays.
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.
- Lower Insurance Category: If the price you have been quotes for convicted driver insurance is out of your budget, review the insurance bracket of the car that you are driving. If you are driving a car in a high insurance category, consider changing to a car in a lower insurance category example group 7 to get cheaper car insurance for convicted drivers. This is also helpful advice to young drivers that are looking to save on car insurance.
- Compare The Market: The cost of car insurance with penalty points will vary from one insurance company to the next, as they calculate risk differently. Use this to your advantage by getting multiple quotes from a wide range of insurance companies.
- Black Box: Agree to provide additional data about your driving skills by use of a black box. Black box insurance or Telemetric insurance is designed to give the insurance provider information of how you drive and if the data is favourable can lead to cheaper insurance.
- Drive Safely: Set a goal to drive safely, stay within speed limits and always be courteous, this will help build up a good driving history and come renewal time you will get a cheaper car insurance quote than had built up extra penalty points.
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,
Can Young Drivers With 3 to 12 Points Still Get a Good Deal?
Yes. Points on your licence make insurance harder to find at a reasonable price, but they do not put a good deal out of reach. The trick is comparing the right brokers, not the same mainstream insurers who quoted you the inflated premium in the first place.
MultiQuoteTime gives you access to a panel of specialist convicted driver brokers who understand young drivers. Practical steps like adding a telematics black box, increasing your voluntary excess or completing a driver rehabilitation course can also bring the premium down further. One online form, multiple quotes from brokers who will actually quote your circumstances.
Insurance for young drivers with points FAQ’s
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Tailored quotes from a panel of convicted driver insurance specialists
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