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Motoring insurance premiums with points on your licence

Here at SpeedCamerasUK.com we know insurance companies are increasing driving insurance prices for drivers with points on their licence. They view people with points on licence more likely to receive further offences when you receive points on your licence. For example, if you receive 3 points on your licence you may expect your car insurance premium to go up by about 10%.

With over 2 million people predicted to receive endorsements on their licence over the next year this means many people facing a rise in their driving insurance premiums. One way to avoid points on your driving licence is to slow down and drive at the speed limit (but this is not always easy). However you may benefit by buying and installing a speed camera detector. This will save you money from an increased insurance premium too.

When do I tell the insurance company about my offence?

When completing motoring insurance applications they ask if you have received any such endorsements on your licence within the past five years. Failure to disclose this information will result in the insurance being invalidated.

How long do points on my licence affect my driving insurance premiums?

The driving offence will affect your driving licence for 5 years. The offence will appear on your driving licence for 4 years but you must tell insurers about offences over the past 5 years.

Will I receive a Fixed Penalty if I drive with no insurance? And what else can they do?

Yes. If the Police catch you they will issue a Fixed Penalty Notice of 6-8 points and £200 fine. The Police also have the power to impound your car and they may also scrap your car if you do not reclaim it within 14 days by providing evidence or valid insurance.

Where is best to get cheap insurance now I have points on my driving licence?

There are insurance companies that offer better quotes for drivers with points on their licence. Doing a simple Google search you will find numerous companies offering better deals for people with points on their driving licence.

Can I avoid higher driving insurance costs?

No. If it is your first driving offence the police may ask you if you prefer to attend a speed awareness course instead of receiving points on your driving licence. Although this avoids points on your driving licence insurance companies such as Admiral still view this as an offence and so it still increases your insurance premium.

What can I do to avoid points on my driving licence?

To avoid getting points you could drive slower (but this is not always easy as roads are not always clearly sign posted with their speed limit). However you could buy a speed camera detector to warn you of all speed cameras and High Risk Areas. These will warn you in advance of all fixed and mobile speed cameras. Most sat navs also have a speed camera location database installed in them. One product of particular interest might be the Snooper My Speed Aura which tells you the speed limit of every road regardless of whether there is a speed camera along that road. This will not only protect your driving licence this will also save you money from the associated increased insurance premiums.

Last updated: 11th September 2023