Can you get insurance with 6 points?

Accumulating points on your driving licence is an indication of past mistakes on the road. In the UK, accruing 6 points can happen quicker than many realise, often the result of two speeding offences. For those in this situation, the question arises: "Can you get car insurance with 6 points on your licence?" The answer is yes, but it comes with its difficulties and considerations.

How do points on your licence affect insurance?

Points on your licence are a red flag to insurers, signalling a heightened risk. Consequently, drivers with points often face higher insurance premiums. The increase in cost reflects the insurer's need to cover the perceived greater likelihood of an insurance claim being made. Each insurer has its own method for calculating premiums, so the impact of those 6 points can vary significantly between providers.

What are the legal implications of having 6 points?

Legally, 6 points on your licence serves as a serious warning. For new drivers, who are within two years of passing their test, accumulating 6 points can lead to automatic revocation of their licence. For more experienced drivers, whilst the immediate legal implications may be less severe, reaching 12 points could lead to disqualification under the 'totting up' procedure. Thus, it's really important to adopt safer driving practices to avoid further penalties.

Can you find affordable insurance with 6 points?

Finding reasonably priced insurance with 6 points on your licence requires a bit more effort, but it's certainly achievable. Consider the following steps:

• Shop around: Insurance providers vary in how heavily they weigh penalty points. Comparing quotes from several insurers can help you find the most competitive rate.
• Consider a specialist broker: Some insurance brokers specialise in finding cover for drivers with convictions or multiple points. They can often negotiate better terms on your behalf.
• Look into telematics policies: Also known as black box insurance, these policies base your premium on your actual driving behaviour rather than just your driving history. This can be a way to demonstrate your commitment to safe driving and potentially lower your costs.

How can you reduce the impact of points on your insurance?

While you can't erase the points from your licence until they expire, you can take steps to minimise their impact on your insurance premiums:

• Improve your driving habits: Avoiding further points is essential. Consider taking a defensive driving course to both improve your skills and show insurers your commitment to safe driving.
• Adjust your policy: Increasing your excess, getting your vehicle, and limiting your mileage can all contribute to lower premiums.
• Maintain a clean record: As points expire after a certain period, keeping a clean driving record from now on will gradually reduce the cost of your insurance.

For many, the reality of finding car insurance with points on their licence can be daunting. However, by understanding the way points impact insurance options and taking proactive steps to manage those implications, getting cover is entirely possible. It's a matter of being informed, shopping around, and demonstrating a commitment to safe and responsible driving.

In conclusion, whilst having 6 points on your licence can complicate the process of finding affordable car insurance, it's far from an insurmountable obstacle. With the right approach and a dedication to safer driving practices, you can find insurance that allows you to continue driving. For those navigating this challenge, remember that your current situation doesn't have to define your future on the road. Exploring your options for insurance cover, particularly through specialists who understand your circumstances, can open the door to more favourable terms. If you're ready to take the next step, why not click the quote button now for convicted driver vehicle insurance quotes? It's a proactive move towards getting the cover you need and getting back on the road with confidence.