Car Insurance With Points

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Car insurance – with points

Being a driver isn’t purely about owning the latest model with all the latest features that come with it, and having the highest safety rating. These may well be important factors for you, but it’s also worth placing a high value on your car insurance. Insurance cover offers financial protection from damage sustained in an accident, from fire, theft or natural events. It also recompenses for any damages caused by third parties. But what if you are a driver who’s been convicted of motoring offences, and have penalty points on your license? Where can you find adequate cover at a reasonable price?

You may have accrued penalty points due to a number of different offences; such as speeding, using a mobile phone at the wheel, driving whilst under the influence, etc.

Any penalty points you have may affect how an insurer perceives you as a driver when evaluating you for insurance cover. Drivers applying for car insurance with points can likely find their insurance premiums increase as a result of a driving offence. While some providers may refuse to provide cover altogether for car insurance with points.

It is extremely important to inform insurance companies of any penalty points on your licence. The Road Traffic Act 1988 states that withholding information from any future or current insurers regarding penalty points is considered illegal and could lead to your insurance being invalidated. Car insurance with points will surely have an impact on your insurance premium, but that doesn’t mean you don’t have options in finding the best deal out there for your circumstances. At Try Compare, we specialise in supplying car insurance with points and offer quotes for cheaper insurance products. If you’ve been declined cover by other providers we can help you find your car insurance with points.

Frequently Asked Questions

What forms of car insurance do Try Compare offer?

A multitude of insurance companies have a range of policies and covers that they offer. It can be confusing at times to decide which is most suitable for you. Our aim is to clearly state the difference between policies so that you and your vehicle are adequately protected. There are three main forms of car insurance with points that products fall under;

Comprehensive – This is one of the most complete insurance policies available and covers everything that a ‘third party, fire and theft’ policy does, as well as covering damage to your vehicle even when you were found to be at fault. You can claim for repair of your car due to an accident, damage or vandalism. It offers the most extensive level of protection of the three categories.

Third party only – This is the minimum level of cover required by law in the UK. This policy pays only for third party injuries and damages to your vehicle and property, as well as passengers in your car. This option is typically chosen by those who drive an older car, or vehicle with a low value.

Third party, fire and theft – In addition to third party injuries and damages, this policy compensates you if your car is stolen or destroyed by fire.

Each car insurance with points policy will have differing terms and conditions with each different insurer. It is worth spending time to make sure you fully understand the policy  on offer to you.

What details do I need to provide to get car insurance with points?
  • Your vehicle information – make, model, year it was registered, value, engine size, etc..
  • Your personal details – name, date of birth, address, marital status, job title.
  • Driving licence number – to check your identity, penalty points if any on your licence, how long you have been driving and type of licence.
  • Proof of your no-claim bonus – This ensures your car insurance with points is cheaper if you’ve avoided claiming for a period of time.
  • Your bank details – Required if you are setting up a direct debit to pay your premiums monthly.
  • Claims or accident history – If you have made any previous claims or had an accident for which you have not made any claims, you need to keep your insurers informed.
  • Details of any driving convictions – Your insurer must be made aware of any convictions that you have. Driving convictions adds penalty points to your licence, requiring you to obtain car insurance with points.

How do I find cheaper car insurance with points?

Getting cheaper car insurance with points can prove more difficult, but it’s far from impossible. At Try Compare we believe everyone deserves a second chance, we’ll treat you fairly and without judgement. Here are a list of things for you to consider when trying to find cheaper car insurance with points;

  • Shop around for prices with as many insurance providers as possible.
  • Try to go for fully comprehensive cover if you can.
  • If possible, pay up front to save even more money.
  • Get a suitable car and don’t modify it as this may attract thieves and will place your car in a higher risk bracket.
  • Increase your car security by installing a dash-cam – you may be offered a discount if you have one.
  • Cut additional cover if you have any – policy add-ons come at a cost.
  • Set a lower mileage limit – you may be charged less if you have a lower mileage allowance.
  • Increase your voluntary excess – insurers will then pay less towards any claims, but this is likely to reduce your premium price.

For a hassle free comparison of quotes, use Try Compare for your car insurance with points. Just complete the form providing your details and the car you wish to insure, and you can sit back whilst we do the hard work for you! – Get Your FREE Quote Today: www.trycompare.co.uk