Over 110 car insurance providers
Written by Michael Foote, Insurance Expert
How Do 6 Points Affect Car Insurance?
Six points on your driving licence will almost always increase your car insurance premiums. Insurers consider penalty points a sign of higher risk, and some may refuse to offer cover. The impact on your premium depends on the type of offence, your overall driving record, and other personal details.
Can You Get Car Insurance with 6 Points?
It is possible to obtain car insurance with 6 points, but your options may be limited. Many mainstream insurers may offer higher premiums or decline to quote. Specialist insurers and brokers are more likely to provide cover for drivers with points or convictions.
For further details, see our guide to car insurance for convicted drivers.
How to Reduce Your Premiums
- Compare quotes from a broad range of insurers, including those specialising in drivers with points.
- Increase your voluntary excess, if affordable, to lower your premium.
- Build and protect your no claims bonus, as this can help offset higher costs.
What Information Must You Declare?
You must declare all penalty points and driving convictions when applying for car insurance. Withholding this information can invalidate your policy. Insurers will require details of the offence, number of points, and conviction date.
How Long Do Points Affect Insurance?
Penalty points usually stay on your licence for four years, but insurers may ask about convictions from the past five years. Once points are spent and removed, your premiums may decrease if you maintain a clean record.
Finding the Right Policy
It is essential to shop around if you have 6 points on your licence. Some insurers are more flexible than others, and specialist providers may offer better rates. Use a comparison service to compare car insurance quotes and find the most suitable policy for your situation.
