Car insurance with points on licence
Worried about being rejected, paying sky-high premiums, or finding limited options because of penalty points? Compare car insurance providers with transparent eligibility criteria so you know where you stand. • See which insurers accept drivers with points • Compare quotes tailored to your situation • Get clear answers before you apply
Compare car insurance with points on your licence
If you have penalty points on your driving licence, you'll need to declare them when getting car insurance. Points are added for motoring offences like speeding or using a mobile phone while driving, and they typically stay on your licence for four years. Having points can affect your insurance because insurers see you as a higher risk, which often means higher premiums or fewer insurers willing to provide cover. That's where comparing quotes becomes important. Compare the Market lets you search multiple insurers at once to find those willing to cover drivers with convictions. By comparing different policies, you can see which insurers offer the most suitable cover for your situation and budget, helping you meet your legal obligation to have valid insurance even with points on your record.
Clear results and eligibility for drivers with points
When you compare car insurance with points on your licence, we can help you see which insurers are willing to quote you. We understand that your choices may be more limited, so our filters and clear eligibility criteria can help you narrow down your options quickly. We show you the lowest price first and don't play favourites with any insurers. When you buy a qualifying product via Compare the Market, you'll get access to Meerkat Rewards, which includes Meerkat Movies (2 for 1 cinema tickets on Tuesdays and Wednesdays).
Highly Rated for Comparing Car Insurance with Points
If you have points on your licence, finding the right car insurance can feel difficult. Compare the Market helps drivers with penalty points compare quotes from trusted insurers and find a policy that suits their needs.
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Car insurance with points on your licence
If you have penalty points on your licence, you might be worried about finding affordable car insurance. These questions cover eligibility, how points affect your premiums, what you need to declare, and how long points last. Comparing quotes from different insurers can help you find suitable cover at a competitive price.
Read our FAQsCan I get car insurance with points on my licence?
Yes, many insurers will still offer you cover if you have points on your licence. Availability and price depend on the type of offence, the number of points, and your other driver details. Comparing providers can help you find suitable policies and work out which one offers the best value for your circumstances.
How do points affect my car insurance premium?
Penalty points can push your premium up because insurers view them as a sign of higher risk. The impact varies depending on the offence, the number of points you have, and how recent they are. Comparing quotes from different insurers can help you find more competitive rates, as each provider prices points differently.
Do I have to declare points on my licence?
You must answer all questions from your insurer honestly and declare any points or convictions when asked. Not disclosing them can lead to your policy being cancelled, claims being rejected, or your cover being invalid. Check what your insurer asks for and provide accurate dates and details to make sure your policy remains valid.
How long do points stay on my licence?
Points typically stay on your licence for around 4 to 11 years, depending on the offence. Insurers may ask you about convictions or points for a set period when you apply or renew. Over time, the effect on your premium can reduce, though how quickly this happens varies by insurer and the type of offence.
What types of convictions affect car insurance?
Convictions can range from speeding and other traffic offences that carry penalty points to more serious motoring convictions like drink driving or driving without insurance. Different insurers view these convictions differently, so while one provider may decline cover, another might offer a policy. Giving accurate details about your convictions and comparing quotes can help you find the right cover for your situation.
Compare car insurance quotes with points on your licence
Penalty points don't mean you can't find good cover. Compare quotes from providers who insure drivers with points and you could save money. Get started now and see what's available.