Number of points
The more points you have on your licence, the more your insurance will likely increase. This is because insurance companies view drivers with multiple points as being a higher risk. The following table shows how the number of points on your licence can affect your insurance premium:
| Number of Points | Average Increase in Premium |
|---|---|
| 1-3 | 15-25% |
| 4-6 | 25-50% |
| 7-9 | 50-75% |
| 10+ | 75-100% |
Severity of the offence
The severity of the offence you have committed can also affect your insurance premium. Some offences, such as drink driving and causing death by dangerous driving, can lead to a significant increase in your premium. The following table shows how the severity of the offence can affect your insurance premium:
| Offence | Average Increase in Premium |
|---|---|
| Careless driving | 15-25% |
| Drink driving | 50-75% |
| Causing death by dangerous driving | 100-200% |
Length of time since the offence
The length of time since you committed the offence can also affect your insurance premium. The more time that has passed since the offence, the less likely it is to affect your premium. The following table shows how the length of time since the offence can affect your insurance premium:
| Time Since Offence | Average Decrease in Premium |
|---|---|
| 1 year | 15% |
| 2 years | 25% |
| 3 years | 35% |
| 4 years | 50% |
| 5 years + | 75% |
Additional factors
In addition to the above factors, there are a number of other things that can affect your insurance premium, such as:
* Your age
* Your gender
* Your driving experience
* Your claim history
* The type of car you drive
* Where you live
If you are concerned about how your driving convictions will affect your insurance premium, you can contact your insurance company for a quote.
