Point Effects on Driving Insurance
Car Insurance premiums are typically calculated based on risk, and any drivers who violate road traffic laws will typically be subjected to points on their license, which will then unavoidably result in more expensive insurance premiums. Attempting to find cheap car insurance with points on your license can be an exceedingly difficult task, therefore it is recommended that drivers use caution whilst on the roads and endeavour to obey road traffic laws.
If you are convicted of an offence that breaks road traffic law, any points on your license coupled with claims made on your insurance policy will result in a considerable rise in your insurance premium. In more serious cases when, for example, a driver is convicted of a severe offence such as a dangerous driving conviction, many companies will simply refuse to offer the driver a competitive insurance policy. If you become involved in a serious incident of this nature, it is strongly recommended that you seek the advice of a solicitor specialising in road traffic law as soon as possible.
When attempting to find adequate cover, it must be remembered that attempting to find insurance with points on your license can be exceedingly difficult, as penalties may placed on your license for a variety of offences, including:
- three to nine points for a careless driving offence
- three points for driving through a red light
- three to six points for speeding
- six to eight points for driving with no insurance cover
- and five to ten points for failing to in the event of a crash
As you can see, failing to adhere to road traffic laws could very well easily result in a penalty on your license. The increased price of insurance with points on your license will also continue to affect your insurance premiums for a great deal of time, as in accordance with UK road traffic laws, any penalties associated with your drivers license will remain on records for 11 years.
The average car insurance premium without any points on your license is considerably lower than if you have convicted of a road traffic offence. This increase in cost is calculated based on the length of time that has passed since the offence and the number of points that the driver has received. For example, with six points on your license you can expect an increase of anything from 7.91% to 24.35% depending on how much time has passed. In more extreme cases, attempting to find insurance with up to 9 points on your license within two years of the incident will mean you are forced to pay almost a 50% increase, which would on average be the equivalent of paying £542.33.
If you shop around different insurance policies, it will soon become clear that it is practically impossible to find cheap car insurance with points on your license, therefore it is strongly recommended that you obey road traffic laws and use cautions when driving.