There could be some sunshine on the horizon for drivers with up to six points on their licence.
There are now an estimated 6 million drivers in the UK with points on their licences and insurers are starting to change their attitude towards those drivers having up to six penalty points on their licence and considering them a more “standard” risk.
A YouGov survey conducted in 2006 estimated that 16% of drivers had points on their licence and as the number of drivers increases, along with more and more speed controls such as the 6000 speed cameras on UK roads, it is likely that this figure will continue to rise.
Insurance providers are therefore finding themselves forced to acknowledge that they can no longer reasonably apply a heavy risk weighting on any particular driver based on the penalty points on their licence.
Long gone are the days when insurers could safely consider someone with points on their licence as a reckless driver and an accident waiting to happen so if you are unfortunate enough to have points on your licence, it may not be as bad as first thought.
Make sure you shop around to ensure you obtain the most competitive proce for your car insurance.