We’re here to help you understand how motoring convictions can affect the cost of your car insurance premium and what to do if you receive penalty points on your licence.
Insurance companies price their car insurance products based on a series of risk calculations, predicting how likely a driver is to make a claim.
If you have a motoring conviction, insurers will see you as a greater risk and your insurance premiums will increase.
Here are a few ways that your car insurance could be affected by a driving conviction:
How much your premiums actually increase depends on the insurer’s conviction policies, as well as the type of conviction.
On average though, the cost of a fully comp policy for someone with one or more convictions is £528.11.
How long will they last?
Penalty points don’t stay on your licence indefinitely. They’re usually removed after four years but can stay on your record for up to 11 years for more serious offences.
This means drivers get a chance to revert to a clean licence after a few years, and hopefully see a reduction in their insurance costs as a result.
How much will a previous driving ban affect my car insurance costs?
A driving ban can make a huge dent in the number of insurers that are willing to cover you, and it’ll increase the cost of your car insurance.
Having any kind of criminal conviction can increase the cost of your car insurance premiums, even if it has nothing to do with driving, like a fine for littering
“Since your driving history is an important factor in assessing your risk, insurers will expect you to let them know about any convictions sooner rather than later, and this may even be written into your contract”
Dominic Stannard - Association of British Insurers
The average price paid for fully comprehensive car insurance in August 2019 for customers with one or more convictions is £528.11
2,713,458 drivers had penalty points on their licence. DVLA March 2019 GB Driving Licence Data