The Cheapest Car Insurance With Penalty Points on Licence?

Find affordable car insurance for drivers with convictions and points by answering below.

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How to get cheaper insurance
How to get cheaper convicted driver insurance
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Janine Marsh
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Janine Marsh

Financial Expert

My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.

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- Financial Expert
Updated 24 August 2023
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The Cheapest Car Insurance With Penalty Points on Licence

The cost of my car insurance seems to go up every year, even though I am accruing a no-claims bonus. If I were to get penalty points on my driving record, this cost would likely go up considerably. So in this post, I am going to look at the process to find cheaper car insurance if you have penalty points on your driving licence.

How to find the cheapest insurance with a conviction

If you’ve got a conviction or points, getting insurance through a standard provider could be more expensive. 

You might find cheaper deals through specialist insurers.

I’ve partnered with Quotezone who can help you find the best insurance specifically for convicted drivers with points.

Fill out the simple form below to find great quotes for convicted drivers today. 

Find the cheapest insurance for drivers with a conviction

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What Are Penalty Points?

Penalty points are added to your driving record when you have been convicted of a motoring offence. Minor offences carry less points, more serious offences carry more points. Some examples of offences and motoring convictions that give penalty points, are given below.

  • Dangerous driving (with causing death or an injury while dangerous driving being the most serious).
  • A driving ban for drink driving.
  • A driving ban for driving without a licence or insurance.
  • Careless driving (with causing death or an injury while careless driving being the most serious).
  • Driving over the speed limit. With a band C speeding ticket for driving over the speed limit offences being the most serious.
  • Failing to stop at the scene of an accident.

This is far from a comprehensive list of motoring offences. It is just a general indication of the kinds of offences that can make it hard to find cheaper car insurance.

How Do Penalty Points Work?

When you are convicted of a motoring offence, you will be given a number of penalty points on your driving licence. How serious the offence was, will dictate how many points you get. The minimum number of penalty points for a driving offence is three penalty points. The maximum number of penalty points for driving convictions is eleven penalty points

Don’t get ripped off by insurance companies

Getting affordable car insurance with a conviction or points can feel impossible, especially if you’re using standard comparison websites. 

Luckily, there are some specialist insurers out there… you just need to know where to find them!

I’ve partnered with Quotezone to provide access to some of the best specialist convicted drivers’ insurance deals available.


In partnership with QuoteZone

How Long Do Penalty Points Last?

Minor motoring convictions give penalty points that will stay on your licence for 4 years. More serious motoring convictions will add points to your licence for 11 years.

How Long Do Penalty Points Last

Can You Get Insurance With Points?

Finding the cheapest car insurance with points on your licence is never going to be easy. But as long as you are not seen as a too high-risk driver by insurers, you should be able to get convicted driver insurance

However, you need to be aware that in some cases, a traditional insurance company may not want to insure you at all. And in this case, you would need to go to specialist insurers that cover the subprime market and are willing to provide insurance to convicted drivers. Keep in mind though, that these specialist insurers will generally charge much more.

Does Your Car Insurance Go Up if You Get Points?

Unfortunately, if you are searching for the cheapest car insurance with points on your licence, the cost of your vehicle cover, if you have unspent motoring convictions, is going to be around 100% more.

Furthermore, drivers with penalty points on their licence can expect the cost of their vehicle insurance to remain inflated for up to 5 years.

Why Is Car Insurance More Expensive With Points?

The reason why it is hard to find cheap car insurance for convicted drivers is that the fact you do have one or more convictions, means you are seen as a high-risk proposition by insurers. Other factors can contribute to this risk factor. Young drivers are seen as a higher risk, as well as people who only recently passed their driving test.

Put simply, when it comes to finding cheaper car insurance, the level of risk you pose to an insurer, will directly impact the cost of the policy. In some cases, if you are too much of high risk, it may not be possible to find affordable car insurance at all.

Is Car Insurance More Expensive With Points?

As I already mentioned in a previous section, the cost of convicted driver insurance is more, because of the risk they pose. The more points you have on your licence, the higher the risk you present to an insurer. Therefore, points on your licence will, in general, always make it more difficult to find cheaper insurance.

Do I Need To Declare Convictions to My Car Insurance Provider?

You have to tell your insurer about any unspent driving convictions if they ask. This is a legal requirement and you must be accurate with the information you give your insurer about the driving offences you have been convicted of.

What if I Don’t Disclose My Conviction to a Car Insurance Provider?

If you fail to tell your insurer about an unspent driving conviction that is on your driving history, or if you are not entirely truthful with the facts, your insurance would be invalid. Driving without valid insurance could lead to a further driving conviction.

How Do I Get Insurance With a Conviction?

The trick to finding the cheapest convicted driver insurance is to shop around. Get quotes from a wide range of insurers and compare them. You can then choose the one that provides the most affordable cover.

You might like to try using a comparison website, to get a whole range of quotes from a large panel of insurers, including those that provide vehicle cover for high risk drivers.

Can I get insured with 3 points?

Finding cheap convicted driver insurance with only three points on your licence is pretty straightforward. Three points say you have committed a fairly minor offence, and you will only be seen as a somewhat higher-risk driver.

Can I get car insurance on 6 points?

Finding affordable insurance for drivers with six penalty points on their licence is a little tougher. Six points mean you have more than one unspent driving conviction, but only for minor offences. 

Can I get car insurance on 9 points?

Cheap insurance for drivers with nine points on their licence is very hard to find. Nine points tell the insurer that you have repeatedly been convicted of fairly minor offences within the last 4 years. 

Can I get insurance with 12 points?

Once you have reached twelve points on your licence, you will be given a statutory ban. Whether these points total up from multiple minor offences or more serious offences such as drunk driving.

Can You Pay To Remove Points From Driving Licence UK?

If you are a convicted driver, the only way to have points removed from your licence is to wait for the conviction to become spent. In some cases, such as drunk driving, this could be up to 11 years.

What Happens if My Conviction Is Spent?

Drivers with points on their licence will have these points removed when the conviction becomes spent. This will either be four years for minor offences, or eleven years for serious offences such as drink driving.

What Convictions Do I Need To Disclose?

You need to disclose all convictions that resulted in penalty points added to your licence, but only if they are unspent. You don’t need to tell the insurer about spent convictions.

Can I Do Anything To Lower My Insurance Premium if I Have Points?

There are a few things you can do to lower the cost of your car insurance. Such as switching to a car in a lower insurance bracket, dropping the level of cover you require, parking your car off road at night, stopping using your car for work, etc.

What Is the Best Car Insurance for Points on a Licence?

If you really are struggling to find vehicle cover you can afford as a driver with penalty points, you might want to drop the cover you require to a third-party only. This is the cheapest of all options.

Affordable Convicted Driver Insurance

To help you avoid some of the ludicrously expensive packages out there and actually find something reasonable I’ve partnered with Quotezone.

They bring together some of the best specialist deals for convicted drivers to make your search easier. 

Try it below.


In partnership with QuoteZone

What Is the Cheapest Car To Insure After a Ban?

I have listed a few cars that would be cheaper to insure as convicted or disqualified driver.

  • Ford Fiesta
  • Renault Clio
  • Citroen C1
  • Skoda Yeti
  • Ford KA+

What Are My Options if I’m Refused Car Insurance Because of a Conviction?

If you are refused vehicle cover by every insurer you approach, your only option is to wait however many years it will be until your convictions are spent.

Can I Get Temporary Car Insurance for Convicted Drivers?

Yes, you can, but the same caveats will apply in relation to the risk you present to insurers. Even though it is only short-term insurance, you still pose a much higher risk than drivers without convictions.

The authors
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My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.
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