Finding affordable car insurance can be a daunting task, especially for drivers with points on their license in the UK. Having points can significantly increase your insurance premiums, but there are still ways to find the best car insurance deals that cater to your specific needs.
Understanding how points affect your insurance premium is crucial. Insurance providers view drivers with points as higher risk, leading to increased premiums. However, several strategies can help you secure competitive rates.
1. Shop Around
One of the best ways to find affordable car insurance is to shop around. Use comparison websites to compare quotes from multiple insurance providers. Some of the well-known comparison sites in the UK include MoneySuperMarket, Compare the Market, and Confused.com. By entering your details, including any points on your license, you can get tailored quotes that reflect your risk profile.
2. Consider Telematics Insurance
Telematics insurance, also known as black box insurance, is an excellent option for drivers with points. This insurance type tracks your driving habits through a device installed in your car. If you demonstrate safe driving behavior, you may receive discounts on your premiums. This is particularly beneficial for younger drivers or those with recent penalties on their record.
3. Increase Your Excess
Another strategy to lower your premiums is by increasing your excess. Agreeing to pay a higher excess can significantly reduce your annual premium. However, it’s essential to ensure that you can afford the excess amount in the event that you need to make a claim.
4. Look for Specialist Insurers
Some insurers specialize in offering coverage for high-risk drivers. They understand the complexities surrounding points on a license and may provide more tailored options that other mainstream insurers do not. Companies like Adrian Flux and Insure 4 a Day focus on high-risk drivers, so exploring these options may yield better prices.
5. Maintain a Clean Driving Record
While it may be a challenge, maintaining a clean driving record will benefit you in the long run. The longer you go without receiving additional points, the more your risk profile improves, which can lead to lower insurance rates in future renewals. Consider attending a driving course or defensive driving class to demonstrate your commitment to safe driving.
6. Take Advantage of Discounts
Look for discounts that may be available through your chosen insurer. Some companies offer lower premiums for drivers who are members of certain organizations, have advanced driving qualifications, or even for those who pay their premium annually rather than monthly. Always ask about potential discounts when getting quotes.
7. Join a Car Club or Take Defensive Driving Courses
Joining a reputable car club or completing defensive driving courses can sometimes present opportunities for discounts. Insurers may recognize the commitment to safe driving and reward you with lower premiums. Additionally, consider getting an advanced driving certification, which can help demonstrate your skills and reliability as a driver.
Conclusion
Finding the best car insurance deal in the UK when you have points on your license requires a proactive approach. By shopping around, considering telematics insurance, adjusting your excess, and exploring options with specialist insurers, you can find coverage that fits your budget. Moreover, maintaining a clean driving record and taking advantage of available discounts will contribute to better insurance rates long-term. Stay informed and take the necessary steps to secure the best deal for your situation.
