How Much does 9 Points Increase Car Insurance Costs?
If you’ve got 9 points on your driving licence, you might be worried about the cost of your car insurance. You’re not alone. Every month, over 1,000 people turn to our blog for advice on insurance for drivers with convictions.
This guide will help you:
- Understand what penalty points are and how they affect your car insurance.
- Learn about the different types of driving offences.
- Find out if you can still get insured with 9 points.
- Discover how long 9 points stay on your licence.
- Learn how to get cheaper car insurance with 9 points on your licence.
We know it’s a stressful time. Our expert team has dealt with many similar cases and is here to offer guidance. So, take a moment, relax, and learn how to navigate this situation.
9 Points on Your Driving Licence – What To Do Next
Penalty points stay on your licence until they are spent. So the trick to finding car insurance for convicted drivers is to work out the dates when points will fall off your licence. Some insurance providers won’t ask you about convictions until you renew your policy. And if the points expire before this date, it is more likely you will get affordable car insurance.
Is 9 Points a Driving Ban?
Having 9 points doesn’t necessarily mean you are banned from driving. You may have committed a driving offence that gave all 9 points, or you could have committed 3 separate minor offences that gave 3 points each, for example.
Will points ruin my insurance?
| Points | Insurance increase |
|---|---|
| 3 Points | 5% |
| 6 Points | 25%+ |
| 10-12 Points | 80%+ |
The best way to find better deals is to use companies who specialise in insuring drivers with convictions and points.
To see if you can improve you insurance with a free quote, click the button below.
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Can I Get Insured With 9 Points?
If you have 9 penalty points on your driving licence, you can still get car insurance premiums to cover you for driving on public roads. Although the insurance company that is providing the insurance will charge more, due to your poor driving record.
What Happens if I Get 9 Points on My Licence?
Getting 9 penalty points on your licence means that you have either been convicted of 2 or more minor driving offences, or you have been given the whole 9 penalty points for one of the more serious offences.
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How Much Does Your Insurance Go Up After 9 Points?
As a rule of thumb, when you get penalty points on your driving licence, the cost of insurance premiums will go up by at least 100%. Making finding cheap car insurance more difficult. How much the cost goes up depends on the offence that resulted in the points being added to your licence. With three points having the least impact, six points having more impact, and nine points being even more expensive.
Can I Still Drive With 9 Points on My Licence?
Yes, if you have 9 penalty points on your driving licence, and you have not been banned for any reason, you can still drive your car as long as it is taxed and insured.
Is It Hard To Get Insured With 9 Points?
It will be harder to find cheaper car insurance with 9 points, but it will not be impossible. However, penalty points affect the cost of your insurance, so you will need to shop around for the best deal.
How To Get Cheaper Car Insurance With 9 Points on Licence
Every insurance provider is going to see you as a higher risk to insure when you have points on your licence. This will increase the cost of your car insurance for at least a three-year period, but more likely five years. There are a couple of ways to take the legwork out of finding affordable cover.
Firstly, you can ask an insurance broker for help, who will have access to specialist insurers who provide car cover for people who have unspent convictions for motoring offences.
The second option is to use a comparison site. The website will give you a list of different insurance quotes, and you can choose the one which suits you the best.
Can You Get Temporary Car Insurance With 9 Points?
Yes, you will be able to get temporary vehicle insurance if you have 9 points. But the same caveats will apply as finding annual vehicle cover. It will be more expensive.
What Cars Are Cheaper To Insure After Penalty Points?
Some cars will be cheaper to insure if you have penalty points on your licence. I have listed some car models that are known to be in the lowest insurance band.
- Skoda Fabia
- Renault Clio
- Fiat 500
- Volkswagen Up
- Nissan Micra
- Fiat Panda
- Volkswagen Polo
- MG3
- Hyundai i10
- Kia Picanto
- Toyota Aygo X
- Dacia Sandero
- Kia Rio
- Ford Fiesta
How Long Do 9 Points Stay on Your Licence?
Depending on the driving offence the penalty points were added to your driving licence for, they will remain on your driving licence for either 4 or 11 years. As an example, if you are given 3 penalty points due to a fixed penalty notice for speeding, the points would stay on your licence for 4 years.
How Do I Check How Many Penalty Points I Have?
You have to send your licence to the Driver and Vehicle Licensing Authority (DVLA) when you receive a driving conviction. Any points you get will be added to your licence and printed on it. To check how many you have, just look at your licence.
Can I Reduce the Number of Points on My Licence?
There is no way to get points removed from your licence. You have to wait for them to become spent. You can then send your licence back to the DVLA and they will update it to show the accurate total of points you have.
