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How Do Penalty Points in the UK Affect Your Car Insurance?

If you have been caught speeding on the UK roads then you will probably have received a fine and a number of penalty points added to your licence, the number depending on the speed you were travelling.

There is no excuse for speeding and not only will the driver be penalised with a fine and penalty points,they can usually expect an increase in performance car insurance premiums. The reason behind the increase in young driver car insurance relates to the fact that as a driver who has been caught speeding you are classed as a high risk for the insurance companies. This high risk relates to the fact that as a speeding driver you are more likely to be involved in an accident that will involve a car insurance claim.

A driver can expect to receive a fixed fine and three penalty points for every minor speeding offence. Points are added to your licence and will remain on the licence for four years. If you tot up 12 or more penalty points you are liable to recieve a driving disqualification.

Insurance for drivers with penalty points is still affordable

With the number of speed cameras on today's roads rising to an all-time high records show that a record number of drivers currently have penalty points on their licence. So does this mean if you have penalty points on your licence the price of your performance car insurance may become too high for you to afford?

The answer is: not necessarily.

Shopping around for insurance is always a good idea but if you have penalty points on your licence it can be even more important to shop around for the best deal. There are certain companies that will go out of their way to find you the best car insurance quote whatever your circumstances. With this in mind it is imperative that you spend the time to shop around for the best deal.

At we aim to get you the best quote available whatever your circumstances. So call our sales team 7 days a week or use our 24 hour quote system to find the best quote to suit YOU.