Car Insurance for Young Drivers with Penalty Points
4 Young Drivers specialises in affordable car insurance for drivers with points on their licence, so ask us for a quote if you're a young driver with a less than perfect driving history. That includes drivers whose licence has been revoked, and learner drivers with points on their licence from motoring convictions.
Read more about quotes for car insurance for convicted drivers.
About the points system
Your driving licence could be endorsed with penalty points for a wide range of difference offences, such as speeding, driving without due care and attention, driving without insurance and many more. You'll find a complete and up-to-date list on the UK Government website.
How many points for motoring offences?
The number of points can vary from offence to offence, depending on how seriousness it is. For example, a driver can expect a fixed fine of £100 and three penalty points for a minor speeding offence, but up to six points for more serious speeding offences.
At the other end of the penalty points scale, you could get up to 11 points for "aggravated taking of a vehicle", "racing on the highway", "reckless /dangerous driving", incidents involving fatalities and drink-driving or drug related offences.
Other consequences could be fixed fines of varying amounts, disqualification from driving or even imprisonment if your case goes to court.
How long do points stay on your licence?
It varies from offence to offence. Even for minor offences, points will stay on your licence for four years. For more serious offences, points remain for 11 years.
Can learner drivers get penalty points?
Yes, learner drivers with a provisional licence can be convicted of motoring offences just the same as drivers with a full licence. A learner driver with points will have a harder time finding cheap insurance, but if you do need your own insurance policy, read about the short-term learner driver policy we offer in partnership with Choose Your Insurance.
The "totting up" system
Although an individual conviction could result in a driver being disqualified from driving, you could also lose your licence 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.
How do penalty points affect insurance?
Do penalty points affect insurance? Quite often, an insurer will accept up to three points without it affecting the premium too badly, if at all. In many cases, though, affordable insurance for young drivers with points is going to be harder to find.
The reason for the increased cost is simply that drivers with points are more likely to be involved in an accident resulting in a claim, making them a higher risk.
The more points you have, the more difficult it will be to get insurance companies to quote at all.
Do you have to tell an insurer that you have points?
Yes, you do. You'll be committing insurance fraud if you don't divulge, if asked, any "unspent" convictions on your licence.
Car insurance for young drivers with points
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