How Much Does 6 Points Increase Car Insurance Costs?


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

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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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6 Points Increase Car Insurance Costs

I have been down the rabbit hole lately, looking into the way that insurers factor risk into the calculation when quoting for vehicle insurance. I have found that it is very hard for convicted drivers to get cheap car insurance. Even if they only have six points on their driving record. In this post, I will try to answer the question, how much does 6 points affect insurance? As well as how the entire penalty points process works.

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, also sometimes referred to as endorsements, are added to your licence whenever you are convicted of a driving offence, such as dangerous driving or speeding-related offences, for example. 

These penalty points on your licence remain for a number of years until the related conviction is deemed spent

How Do Penalty Points Affect My Licence?

When you have penalty points on your licence, you are in danger of getting a statutory ban if you accrued 12 or more points. The number of penalty points you have is printed on your driving licence. In most cases, when you are convicted of a driving offence, you will need to send your driving licence back to the Driver and Vehicle Licencing Authority (DVLA) for it to be updated.

The number of points you are given relates directly to the seriousness of the offence you were convicted of. Some offences, such as minor speed limit infractions only carry three points. Other, more serious driving offences such as careless driving causing a death, or being found to be driving on a provisional licence with no supervision, can carry up to eleven 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.

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In partnership with QuoteZone

How Do Penalty Points Affect Insurance?

When you have penalty points on your driving licence, you will find that insurance companies see you as a much higher risk than a driver with no points. In this case, you will find that the cost of insurance premiums will be higher. At least until your convictions become spent and your driving licence is once again clean.

Will My Insurance Cancel if I Get Points?

This very much depends on how many points are added to your driving record for driving offences. You are generally duty-bound to inform your insurer of any new motoring offences that you have been convicted of, that resulted in more penalty points. Your insurer will then either tell you how much extra you have to pay for cover, or in extreme cases, cancel your insurance policy.

What Happens if I Get 6 Points on My Licence?

How many penalty points you have, will directly impact your ability to get cheap car insurance. If you have from three points up to six points, you won’t be seen as high of a risk as a driver who has recently come back from a driving ban, for example. As a driving ban would indicate the driver is a much higher risk to insure.

Can You Drive With 6 Points?

Yes, as long as your licence has not been revoked for other reasons, you can still drive if you have 6 points on your driving record. It isn’t until you reach 12 points or higher, that you would get a statutory ban, meaning you can no longer legally drive.

Is It Hard To Get Insured With 6 Points?

If you are convicted of a driving offence, such as getting a speeding ticket for travelling over the speed limit, and this results in the points you have totalling up to 6, then you can expect to find it more difficult to find cheap insurance premiums. But a traditional insurer will likely still cover you, and you won’t have to go to a subprime insurer.

Will My Car Insurance Go Up if I Have 6 Points?

Unfortunately, if you have 6 points on your driving licence, for offences such as driving over the speed limit, for example, the cost of your car cover will go up. All motoring convictions, even if they give the minimum 3 points, will result in higher insurance premiums.

How Much Does 6 Penalty Points Add to Insurance?

Finding cheap car insurance with 6 points isn’t going to be easy. In general, you can expect the cost of your vehicle cover to go up by at least 100%. And this increase will remain for up to 5 years.

Can You Still Drive With 6 Points?

Yes, as I mentioned in a previous section, as long as your licence has not been revoked, you can still drive. However, I have to add a caveat here. You need to let your insurance company know about the additional points, to find out if your insurance will be able to pay an increased cost to keep your insurance active.

How Long Does 6 Points Stay on Your Licence?

This depends entirely on the offence that the points given. Some offences are deemed spent after 4 years, others are deemed spent after 11 years. Check your driving licence to find out.

How Long Does 6 Points Stay on Your Licence

What Will You Have To Do if You Get 6 Penalty Points?

You will need to tell your insurer you have been given additional points. You may then have to pay an additional fee to maintain your current cover. Or if your insurance is cancelled, you will have to find an insurer who is willing to cover you.

How Do I Check My Penalty Points?

This information is printed on your licence. If you did not send your licence back to the DVLA for it to be updated when you were convicted, you may need to do so to check accurately.

How To Remove Penalty Points From Your Licence

There is no way to have points removed from your licence, you just have to wait until they are spent and fall off on their own.

What About When My Penalty Points Expire?

If your points expire, you can return your licence to the DVLA to have it updated. Next time you renew your insurance, you won’t need to tell your insurer about these spent points.

Do All Penalty Points Affect Insurance?

Yes, all driving convictions and penalty points will have an impact on your vehicle cover. The more serious the offence and the more penalty points you have, the more severe this impact will be.

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.

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How Are Penalty Points Issued?

Penalty points are issued once you are convicted. For a serious offence that leads to a drunk driving ban, for example, this could be up to 11 points. You will be told to return your licence to the DVLA for the points to be updated on it.

How Can You Avoid Penalty Points?

The only way to avoid penalty points on your driving licence is to drive safely and responsibly so that you do not receive any driving convictions at all. This would keep your licence clean.

Can Learner Drivers Get Penalty Points?

Yes, learner drivers can get penalty points in the same way that qualified drivers can. These penalty points would remain, even when the learner has passed their driving test in the future.

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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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