If you have points on your licence and need short-term cover, you may still be able to compare temporary car insurance options.
Availability depends on the type of offence, number of points, and the insurer's criteria.
Temporary insurance is typically used for short periods, such as borrowing a car or covering a specific journey, rather than ongoing use.
Reviewed by MySupermarketCompare Editorial Team
This page is for UK drivers who:
If you need longer-term cover, a standard annual policy may also be worth comparing. See our guide on car insurance with points on licence.
In some cases, yes.
Some insurers may offer temporary cover to drivers with points, but acceptance depends on:
Serious or recent offences can limit availability, especially for short-term policies.
Temporary car insurance usually provides cover for a short, fixed period. This can range from hours to weeks depending on the provider.
It is commonly used for:
Cover levels and eligibility rules vary between insurers. For more on short-term options, see our temporary car insurance guide.
Insurers may look at:
How many points you have
The endorsement code (for example speeding-related offences)
How long ago the points were added
Your age and driving experience
The type of vehicle being insured
Because criteria differ, comparing providers can help identify potential options.
Declare all points exactly as they appear on your licence.
Make sure the policy duration matches your actual needs.
Understand what is and isn't covered before committing.
Fees and charges can affect overall value.
For longer periods, an annual policy might be more cost-effective.
Always ensure the policy matches how the vehicle will be used.
You may also find these pages useful:
These cover similar situations with different policy structures.
Start your quote online now to see temporary car insurance options that may be available.
Start a Quote in 2 Minutes →This page was created to explain how temporary car insurance works for drivers with points on their licence. It is reviewed regularly for clarity and accuracy.
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 does not constitute financial advice.
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