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Must you inform inurers of points after 3 years?

Want to get your car insurance for less? However, have you ever been lightly penalised on the road? Or could you be looking at a more critical situation?

The predicament is, your car insurance rates are likely to go up with convictions. If that's the case, should you seek advice and quotes from the UK's leading insurance experts?

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Must you inform insurers of points after 3 years?

In the UK, the rules around disclosing penalty points to insurers are quite specific. Legally, penalty points remain on your driving licence for either 4 or 11 years, depending on the offence. However, insurers usually ask about any endorsements you've received in the last 5 years. So, if your points have 'expired' after 3 years, you might feel you're in the clear. But, here's the catch: it's not just about legality; it's about the terms set by your insurance provider. If they ask about any convictions in the last 5 years, you need to disclose them, even if the points are no longer on your licence.

What are the legal consequences of not disclosing points?


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I had convictions over 3 years ago. Must I inform insurers?

What are the insurance consequences?

Not disclosing your penalty points can have several repercussions on your insurance situation:

How should you go about informing your insurer about penalty points?

The safest bet is to be upfront and honest from the start. When applying for insurance:

Can disclosing points affect your insurance cover?

Yes, disclosing points will likely affect your insurance, but not always as dramatically as you might fear. Insurers assess risk differently, so the impact can vary:

How to find insurance if you have points on your licence?

Finding insurance with points on your licence requires a bit more effort, but it's far from impossible. Here's how you can improve your chances:

Being honest with your insurance provider about any penalty points is not only a legal requirement but also the best way to ensure you're properly covered. Yes, it might mean paying higher premiums in the short term, but it protects you from far more serious financial and legal consequences down the line. Remember, insurers are familiar with dealing with drivers who have points on their licence. With the right approach, you can still find a fair and reasonable policy. If you're looking for insurance that takes your unique circumstances into account, make sure to click the quote button for convicted driver vehicle insurance quotes. It's the first step towards getting back on the road with confidence and peace of mind.