How does penalty points affect insurance

Once you have a driving ban, you have to surrender your licence to the National Drivers Licence Service within 10 days. After your six-month ban ends, the points that led to the disqualification will be removed. If you were disqualified from driving for more than two years, you will have lost your no-claims bonus. A number of insurance companies are still happy to provide quotes to convicted drivers, and there are others who offer specialist insurance.

As a broker, we can get quotes on your behalf from these insurers and find the best deal for you. If you have picked up penalty points and you are looking to get motor insurance, feel free to pick up the phone and talk to our car insurance experts today. We can advise you professionally, based on the number and types of penalty points you have picked up. You can talk to us Mon-Fri between 8. If you are looking for an immediate car insurance quote online, our car insurance quote engine checks the Irish market to help find the right cover for your specific needs.

Also, installing a black box telematics recorder that measures how the car is being driven can also save you money by proving you are a safer and conscientious driver.

It goes without saying that the best course of action to avoid building up points — and paying the price — is to drive carefully, to abide by the law and to be upfront about any driving misdemeanours with your insurance company to avoid problems from potentially escalating.

Questions about your policy, making a claim, or how to qualify for a no claim discount? Hi , Your account. Find out more. With over 31 million customers worldwide, we can help to find you the right healthcare cover for you and your business. What are penalty points and how do they affect insurance? By Joy Persaud Penalty points are endorsements issued for a variety of driving offences.

New drivers If you are a new driver, your licence will be revoked if you receive six or more penalty points within two years of passing your test. Penalty points and insurance If you are unsure about how many points you have, you can check via gov.

Looking for Car Insurance? Visit our Car Insurance page to see full details of the cover we offer. Visit Car Insurance. More articles about insuring your car Questions about your policy, making a claim, or how to qualify for a no claim discount? How your mileage impacts your car insurance.

Home Blog Driving How long does it take to get points off your driving licence? Driving car insurance. Penalty Points System The penalty points system was introduced in , and in fixed fines were brought in.

How long do points count? Driving Ban If a driver accumulates 12 penalty points within a three-year period, they're automatically disqualified from driving for 6 months. Tags: car insurance. Driving Is women's car insurance different from men's car insurance? Read more. Driving Does AXA offer young van driver insurance? Speeding penalty points, for example, could come from a fixed camera, a parked speed van, an officer with a speed gun or you may just be pulled over by a police officer.

You may be given a verbal warning if you're pulled over, or potentially an on-the-spot fine and an endorsement if you have your licence with you. If you don't, you'll be required to produce your licence to the police within seven days to have the points added.

If you're caught speeding by a camera you'll be sent a Notice of Intended Prosecution NIP which will explain the offence. You'll need to reply within 28 days, sending back the name and details of the person driving at the time. Most types of penalty points, things like SP30s speeding on a public road and CU80s using your mobile phone are on the licence for four years.

SP30s and CU80s are two of the most common driving offence codes held by drivers in the UK, with over a million drivers having at least one of them between March and March However, some offences could remain on your licence for up to 11 years because of their severity:.