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Compare Insurance with Points – Compare Cheap Quotes


If you’ve received three penalty points for a minor motoring offence the cost of your car insurance is likely to increase a little, but the average increase is usually only around 5% for someone with only three points on their licence.

However, if you receive six, nine or eleven penalty points for a more serious motoring offence – or if you ‘tot up’ that number of points by committing a series of more minor motoring violations – you could see the cost of your car insurance with penalty points rise much more sharply.

That’s why it’s vital that you compare quotes from a wide range of different providers when you’re looking for car insurance for drivers with penalty points. By shopping around in this way you increase your odds of finding a suitable insurance policy at a price that won’t break the bank.

And that’s where we come in – Quotezone.co.uk’s convicted driver car insurance comparison service can help motorists who have had their licence endorsed with anything from 3 to 11 penalty points, by enabling them to compare insurance quotes from a range of different providers side by side.

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How much does insurance for a driver with 11 penalty points cost?

There’s no universal answer to that, because the number of penalty points on your licence is just one of the variables car insurance companies car insurance premium. Your location, age and occupation will all factor into that calculation too, as will the type of car you drive and how long you’ve held your licence.

However, while it’s impossible to put a pounds-and-pence figure to it for any individual driver, it’s likely that a motorist with 11 penalty points might see their premium rise by 50% or more compared to the price they’d pay if they didn’t have any motoring convictions.

And it’s also important to bear in mind that drivers with 11 penalty points do run the risk of losing their licence if they commit any other offences, even very minor ones, because if and when they had one more penalty point added to their licence they would automatically be disqualified from driving.

Why does car insurance with points cost so much?

If you have three or fewer penalty points your premium isn’t actually to rise very much, which industry averages suggesting you might expect a 5% rise in your premium for three points.

It’s when you clock up a higher number of penalty points that your insurance premium is likely to rise more sharply, because insurance claims data indicates that both motorists who commit more serious motoring offences, and those who regularly commit minor offences, are more likely to be involved in an accident and claim on their insurance than someone with a clean driving record.

Is it true I can be automatically disqualified from driving after six penalty points?

That depends on whether you’re a newly qualified driver or not.

A motorist’s driving licence can receive an automatic disqualification if they build up six or more penalty points within two years of passing their first driving test, but more seasoned motorists would have to ‘tot up’ 12 points or more in order to receive an automatic ban.

What can I do to find cheap car insurance with points?

If you’re looking to find cheaper car insurance after your licence has been endorsed with penalty points the most important thing you can do to increase your odds of finding a suitable policy is to compare quotes from a wide range of providers.

Different insurance providers can have very different underwriting terms, which means some insurers might weight risk factors like penalty points very differently from others.

In addition to shopping around for quotes from a range of different providers, there are a number of other things that might help you find cheaper insurance for convicted drivers. For example, some of these suggestions are worth considering:

  • Letting a more experienced motorist borrow your car from time to time – If you happen to be a younger driver (and statistically speaking, young drivers are more likely to receive penalty points) you could benefit from cheaper car insurance if you agree to let a more experienced motorist with a clean driving record borrow your car. You won’t be driving the car yourself when this ‘named driver’ is borrowing it, which should mean you’ll be clocking up fewer miles yourself.
  • Downgrading your car for one in a lower insurance group – while this might sound drastic, it’s worth considering if the cost you’re being quoted for convicted driver insurance is out of your budget. Cars with bigger, faster engines usually fall into higher insurance groups, so by trading in your motor for one with a smaller engine you could benefit from cheaper car insurance for convicted drivers.
  • Opting for a black box insurance policy – One way to help offset some of the risk you represent as a driver with penalty points is to provide the insurer with more information about your driving habits and adherence to the rules of the road. Telematics car insurance (or black box insurance, as it’s also known) is designed to give the insurance provider precisely this information, by installing a device in your vehicle that tracks your driving.
  • Taking an advanced driving test (such as the ‘Pass Plus’ or ‘RoSPA Advanced Drivers and Riders’ test) – Taking an advanced driving course can help you reduce your premiums by demonstrating to insurers that you have the necessary skills to cope with challenging situations and conditions on the road should they arise.