Car insurance with points - is there any point?

Car insurance with points

There is a huge online debate on the subject of trouble acquiring car insurance whilst having points on a licence. Many drivers have found they are having to pay more to insure their cars due to the penalties they have received in the past. In fact, if someone has 3 or more points on their licence, they are looking at having to pay an average of 30% more than someone with a clean licence and no points.

The outrage caused in internet chat rooms and blogs on the subject of getting insurance with points on a driving licence is almost laughable, as it seems the answer is obvious. If someone has been given points on their licence, it means they have broken the laws set within the Road Traffic Act, this means they may have been putting themselves and others at risk, therefore making it harder to get insurance with points on their licence. The simple fact is that if the licence has points on it, the insurers will see that as meaning the driver is more likely to be involved in a collision due to negligent behaviour on their part, which of course means the insurance company are more likely to have to pay out for an accident. So it will be less easy to get affordable insurance with points on the record.

Speed cameras

The problem that we are facing is the steady increase of drivers in the UK that have licence points.  We now have 6000 speed cameras installed in the UK! There is no wonder the amount of points being acquired are increasing. Statistics show that 920,000 people in the UK are just 3 points away from losing their licence.

Many believe that the new speed camera system is badly designed and affecting the points system used for insurance brokers, but the fact is that speed cameras being installed are just there for safety, to prevent harm coming to drivers and pedestrians alike. Some insurance companies are taking it upon themselves to adapt a more European approach to evaluate drivers. It has been said that the increase of people in the UK with points is so high that the insurance/points system does not provide enough leverage and is unrealistic. Instead of quoting drivers insurance by the points they have on their licence, they are being assessed as to whether they have had to make a claim or how many accidents they have been in. This system seems to make it easier for drivers in the UK to get affordable insurance and have points on their licence at the same time.