How Much Does 6 Points Affect Insurance? Cost Breakdown

The information in this article is for editorial purposes only and not intended as financial advice.

Are you worried about the cost of car insurance because you have points on your driving licence? You’re not alone. Over 9,300 people visit our website each month looking for advice on this very thing.

This guide will give you useful facts on:

What are penalty points and how they work.
How these points can change your car insurance cost.
If you need to tell your insurer about your points.
How to get car insurance even if you have points.
Ways to lower your car insurance cost even with points.

The Guardian reports that each year in the UK, around 1.2 million people face the challenge of securing car insurance because mainstream insurers typically refuse coverage to those with unspent convictions.¹

So we know it can be hard and worrying when you have points on your licence Luckily, there are still ways to find cheaper insurance.

Our guide will help you understand your choices and pick the best one for you. Let’s dive in!

How many points do you have? 0 points

Do I have to tell my insurer that I have points?

Yes, it is an offence to withhold information and the insurers may find out another way.

This could void your insurance altogether. You then run the risk of driving around in an uninsured vehicle which again is a criminal offence.

How would they find out if I don’t tell them?

One of the ways that your insurance company could find out that you have points on your licence is if you were involved in an accident..

If you were taking out a new policy then they are able, with your permission, to contact DVLA who has your records and any points that you have.

Even though they will need permission, if you do not give it then they will most likely deny your application for insurance with them.

This would imply that you had something to hide.

Will points ruin my insurance?

Points	Insurance increase
3 Points	5%
6 Points	25%+
10-12 Points	80%+

The best way to find better deals is to use companies who specialise in insuring drivers with convictions and points.

To see if you can improve you insurance with a free quote, click the button below.

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In partnership with Quotezone.

Will I still be able to get insured?

You will still be able to get insurance, depending on the criteria of the insurance company that you approach.

You will be paying a higher premium, the amount of which will vary between insurance companies so it might be worth shopping around for the cheapest quote.

» TAKE ACTION NOW: Find the best insurance for drivers with points

Convicted Driver Insurance Reduction

Dealing with higher insurance costs due to points on your licence can be quite frustrating. Fortunately, there are various ways to reduce insurance rates.

These include:

How to Reduce Insurance Rates	Keep in Mind…
Choose Your Car Wisely	Consider age, engine, insurance group & price. The lower the group, the lower the premium. A high-powered & fast car, or cheap car with less value come with a higher risk, which means a higher premium.
Ensure Car Safety & Security	Park in a driveway or locked garage. Use safety technology.
Add a Named Driver	Adding an experienced driver with a good claims history, such as a parent, can lower your insurance premium by reducing the perceived risk.
Drive Fewer Miles	Reduced mileage = Reduced risk.
Complete a Rehabilitation Course	Third-Party Only – the bare minimum; as required by law Comprehensive – provides full coverage and may include personal accident and medical expenses coverage Third Party, Fire & Theft – TPO cover and also insures against damage to other vehicles and injuries to others in accidents where you’re at fault, accidental fires or arson, stolen vehicles
Determine the Cover Level You Need	Third-Party Only – the bare minimum; as required by law. Comprehensive – provides full coverage and may include personal accident and medical expenses coverage. Third Party, Fire & Theft – TPO cover and also insures against damage to other vehicles and injuries to others in accidents where you’re at fault, accidental fires or arson, stolen vehicles.
Compare Policies and Opt Out of Extras	Get quotes tailored to your specific convictions and needs. Optional extras like excess protection, legal cover, breakdown, windscreen, and gadget cover are nice to have but come with added costs.
Increase Your Excess	Raising the amount of excess (upfront payment for any claim; the rest to be paid by the insurer) on your policy can lower your insurance premium.

Can I appeal the points on my licence?

You can, depending on the circumstances, appeal the points on your licence.

Circumstances that you could appeal are;

You did not own the car or were not driving it at the time of the offence.

This could be because you had sold it and not updated the details to the new owner. In this case you will be required to pass those details to the police so that they can contact the correct person.

You were not driving the car at the time of the offence but you don’t know who was. This could be for example if your car was stolen.

If a mistake has occurred and the offence has not been committed by you or someone driving your vehicle, you must contact the speed camera team. You just need the date of the incident, the reference number from your letter/notice, the registration number of the vehicle involved and the location of the incident.