How will points on your license affect your car insurance policy?

As more and more people get speeding tickets, we thought it might be interesting to discuss how a speeding ticket would affect your policy in the future.

10 years ago it was relatively rare for someone to have 3 points on their license and even rarer for someone to have 6 points. These days tho things have changed dramatically. A large percentage of the population have 3 points on their license, does this make them bad people? Absolutely not, the government has just overdone the amount of "Safety" cameras around the UK.

So do I still have to declare that SP30 I got last year?

As with all things related to insurance, DECLARE EVERYTHING. Even tho your points come off after 2 years, you still have to declare the conviction for 5 years or your insurer could void your policy if you need to make a claim.

Will it make a difference to your policy?

Well unfortunately there just isn't a straight answer to this one. Some insurers will see a 19 year old with a speeding ticket as a high risk driver while others are happy to accept that it's just a minor offence.

*please note that we cannot guarantee the correctness of any information contained on this page, Please consult your insurance company if you requrie any specific information regarding your policy or declarations.

Date - 15/09/2006