Almost three million people in the UK have penalty points on their licence – yikes 🥴.
Getting points on your driving record can make your car insurance more expensive. And you might also find that there are less car insurance products available to you.
There are things you can do to help lower the cost of your insurance, though.
Here’s everything you need to know👇.
If you commit a driving offence, like speeding, you might get penalty points on your licence.
How many you get depends on how serious the offence is. Once you’ve been given points, they stay on your driving record for between four and eleven years.
You can get between one and eleven points for a single offence.
If you reach 12 points within three years, you can get disqualified from driving. A court will decide how long you’re disqualified for. The worse the offence, the longer it’ll be.
Penalty points can be given for any situation where you break the law when you’re driving.
Here’s a quick breakdown of the main driving offences:
Because so many factors go into deciding your car insurance premium, it’s impossible to say exactly how much it’ll go up for having points on your licence.
But research shows that the more points or convictions you get, the more your insurance will cost.
For example, some recent research by Money Supermarket shows that, on average, car insurance premiums go up by:
The same research also shows that premiums go up by:
People with points on their licence get less results when they search for car insurance quotes than people without any.
(In other words, less insurers are willing to offer them cover.)
It’s unlikely insurers will overlook the fact you have points on your licence.
But we all make mistakes. And there is something you can do to help prove you’re not as big a risk as they might think you are.
Black box insurance (also called telematics insurance) is where your insurer uses a device installed on your car to monitor your driving. The safer you drive, the lower your premium will be.
Going for a black box policy is a good way to lower the cost of your car insurance if you’ve got points on your record.
But a lot of black box policies come with a fair few downsides and caveats.
Most insurers charge even bigger cancellation fees for black box policies. Plus, there are often lots of annoying rules to stick to (like not driving at night). These can lead to a loss in your black box discount if you break them.
At Cuvva, we thought black box insurance needed to be updated and made fairer.
Our Smart Pricing policy has zero cancellation fees. And it all works through your phone, rather than a clunky device installed on your car.
There are no strange rules to stick to either. It’s simply a matter of – the better you drive, the less you pay.