Car Insurance for Young Drivers with Penalty Points
4 Young Drivers specialises in affordable car insurance for drivers with poor histories, so get a quote if you're a young driver with points on your licence, if your licence has been revoked in the past, if you're a learner driver with points on your licence, or if you've had any kind of motoring or non-motoring conviction.
Read more about quotes for car insurance for convicted drivers.
If you've been caught speeding in the UK, you'll probably have received a fine and a number of penalty points added to your licence. The amount can vary, but as the law stands right now, the minimum penalty for speeding is 3 points and a fine of £100. More serious convictions, e.g. drink driving, with up to 11 penalty points and a potential driving ban, can make it more difficult to find affordable car insurance.
About the points system
A driver can expect a fixed fine and three penalty points for every minor speeding offence. Points are added to your licence and will remain for four years. You could be disqualified from driving if you tot up 12 or more penalty points within a three year period.
Young drivers need to be even more careful - if you get more than six points within two years of passing your test, your driving licence will be revoked.
Penalty points and insurance
Do penalty points affect insurance? In many cases, yes. Young drivers with penalty points might face an increase to their car insurance premium, though some insurers accept up to three points without it affecting the premium too badly, if at all.
The reason for the increased cost is simply that drivers with speeding points on their licence are classed as a high risk by an insurance company. They are more likely to be involved in an accident resulting in a claim.
The more points you have, the more difficult it will be to get insurance companies to quote at all.
Car insurance for young drivers with points
Speed cameras have led to a record number of young drivers with points on their licences. In fact, data from the Institute of Advanced Motorists found that 40,000 drivers aged 20 or under have up to six points on their licence.
4 Young Drivers helps young drivers with points find the best car insurance. We can get quotes from a wide panel of insurers to find you great cover at an affordable price.