Insurance for young drivers with points

It's a question that troubles many young motorists across the UK. After all, points on your driving licence often lead to the assumption that car insurance will be out of reach, or at best, prohibitively expensive. But is that really the case? Let's look into the possibilities and understand how young drivers with points can navigate the insurance landscape.

Why do points make insurance more expensive?

Points on a licence signal to insurers that you've had some driving mishaps. Since insurance is all about assessing risk, points are a red flag that you're more likely to make a claim. For young drivers, who are already seen as high risk due to their lack of experience on the road, points can add an extra layer of challenge in finding affordable insurance.

What are the legal and insurance consequences of points?

Legally, points on your licence can accumulate and lead to disqualification under the 'totting-up' system. Insurance-wise, the consequences are immediate: your premiums are likely to rise. Insurers assess your application with more scrutiny, and some may even decide not to offer you cover at all.

Is it still possible to find insurance?

Despite the hurdles, finding insurance as a young driver with points is not impossible. The key lies in knowing where to look and how to present your case:

• Specialist insurers: Some insurers specialise in providing cover for drivers considered high risk, including those with points.
• Comparison sites: Using comparison websites can help you see a range of quotes from insurers that might be willing to offer you insurance, allowing you to compare prices and find the most affordable option.
• Black box policies: Also known as telematics insurance, these policies use a device in your car to monitor your driving habits. Safe driving can lead to lower premiums over time, even for those with points.

Each of these routes offers a pathway to getting insurance, though it may come with higher premiums than a standard policy.

How can young drivers reduce their insurance costs?

Even with points on your licence, there are steps you can take to mitigate the high costs of insurance:

• Take a driving course: Courses like Pass Plus or a defensive driving course can prove your commitment to safe driving, which some insurers might reward with lower premiums.
• Choose your car wisely: Cars in lower insurance groups are cheaper to insure. Opting for a vehicle with a smaller engine, for example, can lead to savings on your insurance.
• Increase your excess: Agreeing to a higher voluntary excess can reduce your premium, but make sure it's an amount you can afford to pay in the event of a claim.

These strategies can help offset the higher premiums associated with having points on your licence.

What should you disclose to insurers?

Honesty is absolutely essential when applying for insurance. You must disclose any points on your licence, as failure to do so can invalidate your policy. This doesn't mean the end of the road for your insurance prospects. It's about finding the right insurer who understands your situation.

Can points on your licence be removed?

Yes, points on your licence aren???t permanent. They are usually removed after four years but must be disclosed to insurers for five years if asked. Accumulating points doesn't permanently mar your record, but staying point-free after they're removed can greatly improve your insurance options and costs.

Where can you get advice and support?

Seeking advice from insurance brokers who specialise in high-risk drivers can be invaluable. They have the expertise and contacts to find insurers who are more sympathetic to young drivers with points. Additionally, forums and support groups can offer advice from others who have been in the same boat.

Having points on your licence isn't the end of the road for young drivers seeking insurance. It presents a challenge, but with the right approach, it's a challenge that can be met. Safe driving habits, the right insurance product, and understanding the market are all really important steps on the path to getting insurance at a reasonable cost.

Feeling ready to explore your options? Click the quote button for convicted driver vehicle insurance quotes and take the first step towards finding insurance that fits your needs, regardless of your driving history.