Car Insurance With Points on Licence
There’s no denying that organising car insurance can be a time consuming process; not only will you want to find a policy that you can afford, but also one that covers everything you need it to cover. Unfortunately, this is made a little more difficult if you are looking for car insurance with points on your license. Though everyone obviously tries to avoid being convicted for motoring offences, it’s something that thousands of people have to face. A motoring offence won’t just see you faced with a hefty fine and points on your driving license, but also increased car insurance premiums.
How Does Having Points on Your Licence Affect Car Insurance?
To put it simply, having points on your driving license will result in car insurance being more expensive than it is for those without any points. A driver with motoring offences will notice an increase in their car insurance premium, regardless of what that motoring offence is. This is because drivers convicted of motoring offences are more likely to make a claim on their car insurance and therefore policy providers increase the cost to reflect this risk. After all, they need to cover the likelihood of you making a claim.
When you apply for car insurance with points on your driving licence, insurers will take all of your driving convictions into account. This includes everything from a minor speeding offence to offences that are much more severe, such as drink driving and reckless driving. Any driving offence that resulted in you having points on your license will increase the cost of car insurance, as insurers view you as being a big risk to insure. The more points you have, the higher the increase.
It’s not just the cost of the overall insurance policy that may be higher if you have points on your license, but also the excess. You may also find yourself having to pay a higher access in the event of a claim. Though you may be tempted to avoid telling insurers about any motoring convictions in order to keep costs down, this is not recommended. Failing to declare points on your license is an offence.