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Budget-Friendly Insurance For Drivers With Points
Receiving penalty points can be a stark warning; they can be a wake-up call to drivers to be more careful, and they can be a valuable lesson after making a mistake. While careful driving is vital, and offences should be avoided, the high hike in insurance premiums after receiving points on a licence can make driving unaffordable.
We know receiving penalty points can be incredibly stressful and impact many areas of life. When penalty points may affect your job, credit rating and even life insurance policy, the last thing you want to worry about is whether you can afford car insurance again.
While many insurers can make drivers with points pay astronomically high fees. First General is different. We believe that drivers deserve a fair price for their insurance and specialise in providing affordable insurance quotes for drivers with points.
Can I still get car insurance with 3 to 9 points on my licence?
Yes, you can. It may be best to opt for an insurer who specialises in driver with points insurance. Some insurance providers will refuse to insure a driver with points; others may increase the price of premiums so that it’s prohibitively expensive.
However, there are specialist driver with points insurance policies that are tailor-made to suit those who have received penalty points. First General work with a carefully selected panel of insurers, all of which offer insurance for drivers with 3-9 points. This means we can compare the market and find the most competitive offers for your needs, without the worry of facing rejection from insurers. Mistakes can happen, so we work with insurers who understand that a learning curve can help drivers be more careful on the roads. If you currently have insurance, it is a legal requirement to inform your insurer after receiving penalty points on your licence. Failure to do so could invalidate your insurance entirely. What’s more, it is a criminal offence to withhold this information under the Road Traffic Act 1988. As driving with invalidated insurance is equivalent to driving without insurance, it is breaking the law and could result in a further conviction and more penalty points.
How to lower the cost of driver with points insurance
When you receive points on your licence because of a driving penalty, insurers will statistically consider you as a higher risk. A higher-risk driver can result in higher premiums. There are ways to lower the cost, which include:
Specialist insurance:
A policy that is specifically for driver with points insurance can usually be more affordable than standard insurance policies. Opting for a specialist policy with First General can be a great first step in obtaining budget-friendly insurance.
Choosing a cost-lowering policy:
Dashcam or black box policies can help to lower the cost of insurance as they work to provide evidence of careful driving. A dashcam insurance policy can work to keep the car safe by recording events; it can also serve as evidence if there is a driving incident and dispute to who’s at fault. This can be a great choice as it can help to build up time as a careful driver, which can lower your premiums the following year.
Attending driver awareness courses:
For many first time speeding fines, the driver will often be offered the choice to attend a speed awareness course or to take the points on their licence. While a speed awareness course takes a day, it can be more cost-effective than having points on your licence. If you already have points on your licence, accredited driver improvement courses, such as drink/drug rehabilitation or driver safety courses, can help to lower your premiums.
Driving a low insurance category vehicle:
Insurers also determine the cost of insurance depending on the car you drive. From car safety to the cost of repair and replacement, every vehicle receives an insurance banding. Choosing a vehicle with the lowest insurance banding can help bring the cost of your insurance down.
Increase your voluntary excess:
Another way to bring the cost of your insurance premium down on a driver with points policy is to increase your voluntary excess. This is the amount you would contribute should you need to claim on your insurance. The higher voluntary excess means a lower insurance premium. Increasing your excess can be a great way to save money on your insurance, but you should only have an excess that you are financially comfortable with and would be able to afford should the worst happen.
By adopting a range of strategies, you can bring your insurance down. If you need more support on the best way to lower your insurance cost, the team at First General are experts in driver with points insurance and are on hand to help you find the best deal.
Receive a competitive quote for driver with points insurance today; fill in our quick quote form.
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