Car Insurance With Points on Your Licence (UK)

If you have penalty points on your licence, car insurance can sometimes cost more, but options can still be available depending on your details. Different insurers assess risk differently, so comparing quotes can help you see what's available for your circumstances.

Reviewed by MySupermarketCompare Editorial Team

✓ Compare options from UK providers in minutes✓ No obligation, check options anytime✓ Start your quote online now

Compare Quotes With Points →

What you'll need to start a quote

✓Vehicle details (registration or make/model)
✓UK postcode
✓Approx annual mileage
✓Details of your licence points (how many + roughly when)

Who This Page Is For

This page is for UK drivers who:

have penalty points on their driving licence
want to understand how points can affect insurance pricing
need to compare options honestly and safely
want a quick route to check quotes based on their details

If you're not sure how much your points may affect a quote, comparing is often the fastest way to see real options.

How Points Can Affect Your Car Insurance

Insurers consider points because they can indicate a higher likelihood of claims. The impact varies depending on:

how many points you have
how serious the offence was
how recently the points were added
your claims history and driving experience
your vehicle type and usage

Some drivers see a noticeable increase, while others may see smaller changes. It depends on the insurer and your overall risk profile. Age and experience also factor in - drivers aged 25 and over or 50 and over may find more competitive quotes despite having points.

Check Your Options →

Common Point-Related Offences Insurers May Ask About

Insurers may ask about offences that resulted in points, such as:

speeding offences
mobile phone offences
traffic signal violations
insurance-related offences (such as driving without insurance)

Always answer quote questions accurately. Incorrect details can cause problems later, including claims issues. Drivers with multiple points may be classified as high risk by insurers. If you reach 12 points, this can result in a totting-up disqualification (TT99), which has additional insurance implications. Some drivers with serious offences may have insurance declined by certain providers. For more serious offences like drink-driving convictions, see our convicted drivers page. If your vehicle has been impounded, our impounded car insurance guide may help.

How Long Do Points Stay on a UK Licence?

Points typically remain on a UK driving licence for a set period (often several years), depending on the offence.

Insurers usually ask about convictions and endorsements within a defined timeframe in the quote journey. Always follow what the insurer asks for.

Practical Ways to Reduce Costs (Without Risky Shortcuts)

1. Compare multiple providers and review the full breakdown

2. Choose a car in a lower insurance group if possible

3. Keep mileage and usage accurate

4. Avoid further offences and build a clean recent history

5. Consider excess carefully (make sure it's affordable if you need to claim)

FAQs: Car Insurance With Points (UK)

Can I get car insurance with points on my licence?

Many drivers with points are still able to get cover, but premiums can be higher depending on the offence and your details.

How many points increase insurance the most?

The impact varies by insurer. More points and more recent offences often have a bigger effect.

Do I need to tell insurers about points?

Yes. You should answer all quote questions honestly based on what the insurer asks for.

Will my premium drop once points expire?

It often can, but pricing depends on multiple factors including claims history, car type, and insurer approach.

Does the type of offence matter?

Yes. Some offences are considered higher risk than others, and that can affect pricing.

What's the fastest way to check options?

Start a quote journey with accurate details and compare the full payment and cover breakdown.

Ready to Compare Quotes With Points on Your Licence?

Start your quote online now and view options available from UK providers.

Start a Quote in 2 Minutes →

How We Created This Page (Transparency)

This page was created to help UK drivers understand what penalty points can mean for car insurance and what to consider when comparing options. It is reviewed for clarity and updated as needed to stay accurate and useful.

Important Information

MySupermarketCompare is an insurance comparison website. We introduce customers to our quote partner to help them compare insurance options. Information on this page is general and is not financial advice. MySupermarketCompare.com is an Introducer Appointed Representative (IAR) of Seopa Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 313860). The insurance comparison service is provided by Seopa Ltd. Always read policy terms and conditions before purchasing. Individual outcomes and premiums vary based on personal circumstances.