November 3, 2020
Driving Licence Points, Your Insurance And How To Stay On The Right Side Of Legal This Autumn
With Christmas bonuses (or there lack of, thanks to Covid-19..) being the height of many traffic warden’s agendas at this time of year. It’s becoming increasingly difficult to travel while finding those sneaky cops who actively shy away in plain sight just waiting for you to “cock-up”!
Stick to the speed limit, or a tad below if you can..
Car insurance is complicated at the best of times for most people, but when you have penalty points on your driving record, you will likely be worried about how it will all affect your insurance. It makes sense, you want to be on the road and happy to be driving, and you can’t feel that way when there are points on your licence. One area that is affected when you have points on your licence is your insurance.
Most of the time, you can still get insurance when you have points on your driving licence. One Sure can help, for example. But fewer insurers cover those with points, which is why it’s so important to buy the right one. When you receive points on your licence, you become a risk. Whether the points are for speeding or for an offence while driving, you are seen as reckless in your movement on the road. Anypoints means that you are likely to be more expensive if you make a claim on your insurance. So, here are some of the things to consider when you are getting insurance with points on your licence.
Photo by Lisa Fotios from Pexels
- The first thing that an insurer will do is calculate the risk of insuring your car on the road. Endorsing you when you have driven under the influence could cost you more in insurance and so these are things that you have to consider when you are going back on the road.
- You need to disclose any driving convictions that you have when you apply for insurance. You have to disclose any points, too, and it’s better to be honest up front with whichever insurance provider you choose to go with. If you receive the points when you are already insured, you need to contact them immediately. You will find that if you don’t disclose your points, you’re going to have an insurer who refuses to pay out if you get into an accident.
- Once your points become spent, you don’t have to declare these to an insurer. You need to check the law here and your paperwork so that you can ensure that you are not declaring points unnecessarily. Some points can last on your licence for at least a decade, so you should be aware of whether you can drive or not in that time.
- It’s true that if you have points on your licence, your insurance premiums may go up. The change in price depends on how many points you have in the first place. The charges also depend on which insurance company you decide to use. You may also find that if your points have racked up because of speeding, your insurer will raise the cost – but that’s an individual thing.
- Ideally, you stop accumulating points on your licence after you get your new insurance, but if you are a new driver you will not be able to drive if you have six points or more. You will have to pass a test to get your license back again!
If you have any further questions then please get in touch with the DVLA (Driver and Vehicle Licencing Agency) here!