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5 Ridiculous Excuses For Drink Driving
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Penalty PointsInsurance
Penalty Points Insurance
Have points on your licence? We help you find suitable cover, whatever the offence behind them.
Have points on your licence? We help you find suitable cover, whatever the offence behind them.
Enter your vehicle registration
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Talk to a specialist 0330 808 1548
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What is penalty points insurance?
Penalty points insurance is cover for drivers with endorsements on their licence, such as points for speeding, careless driving or other motoring offences. It works through insurers who consider your specific circumstances rather than penalising every conviction equally.
“Not all points are equal, the offence behind them matters as much as the number itself.”
The right cover depends on:
The offence behind your pointsYour driving history before the pointsHow many points you haveHow you use your vehicleHow long ago they were issuedWhether you’ve had other convictions
What offence gave you points?
What offence gave you points?
Points come from many different offences, find the page that matches yours.
Points come from many different offences, find the page that matches yours.
Speeding
The most common source of penalty points (SP30 and related codes).
Drink Driving
Higher point totals from a DR10, DR20 or DR30 conviction.
Careless or Dangerous Driving
Points from a CD or DD code conviction.
Reached 12 Points?
If your total has reached 12 or more, you may be facing a TT99 disqualification.
Uninsured Driving
Points from an IN10 conviction specifically.
Not Sure Which Applies?
Check your exact code and points on your DVLA driving record.
What could go wrong and what covers it?
What could go wrong and what covers it?
The situations drivers with penalty points worry about most are being refused cover, paying far more than before, and a claim being questioned because the conviction wasn’t declared properly. The right policy deals with all three.
The situations drivers with penalty points worry about most are being refused cover, paying far more than before, and a claim being questioned because the conviction wasn’t declared properly. The right policy deals with all three.
Is penalty points insurance right for you?
This type of cover may be suitable at any point total after a conviction.
This cover may be suitable for:
Drivers With a Few PointsDrivers Renewing After New PointsDrivers Close to 12 PointsDrivers With Points From Multiple OffencesOlder Points Still on LicenceDrivers Returning After a BanReal-world scenarios. Real-world cover
Real-world scenarios. Real-world cover
These are the everyday situations we see for drivers with penalty points, and the cover that responds in each case.
These are the everyday situations we see for drivers with penalty points, and the cover that responds in each case.
Approaching 12 points
You’re close to the totting-up threshold.
What typically happens
Worth planning ahead for a possible ban
Renewal with new points
You’ve gained points since your last renewal.
What typically happens
Premium may increase, insurer must be told
Points from different offences
Your points come from more than one type of offence.
What typically happens
Each offence is assessed individually
Non-disclosure
You don’t tell your insurer about new points.
What typically happens
Policy can be voided entirely
What affects the cost of penalty points insurance?
Penalty points insurance depends on how many points you have, which offence codes they came from, how recently they were given, your age and experience, and the car you want to insure.
The offence behind your points
Speeding is generally viewed differently to drink driving or dangerous driving.
Your driving history overall
A clean record aside from the points may help your case.
How many points you have
A higher total, or being close to 12, can affect your premium.
Level of cover chosen
Third party, third party fire & theft or comprehensive cover all affect price differently.
How long ago they were issued
More recent points are generally viewed as higher risk than older ones.
How you use your vehicle
Personal or work-related driving can be assessed differently.
Common sources of penalty points
Common sources of penalty points
A quick reference, always confirm your exact code and points with the DVLA.
A quick reference, always confirm your exact code and points with the DVLA.
| Code | Offence | Typical Points | Duration on licence |
|---|---|---|---|
SP30 | Exceeding the speed limit | 3-6 | 4 years |
CD10 | Driving without due care | 3-9 | 4 years |
DR10 | Drink driving above the limit | 3-11 | 11 years |
IN10 | Using a vehicle uninsured | 6-8 | 4 years |
CU80 | Using a mobile phone while driving | 3-6 | 4 years |
DD40 | Dangerous driving | 3-11 | 4 years |
How the quote process works
How the quote process works
Simple steps. Expert advice. The right cover for your business.
Simple steps. Expert advice. The right cover for your business.
1
Tell us about your points
How many points you have, the offence codes, and when each was issued.
2
Tell us about you and your vehicle
Your age, driving history, and the vehicle you want to insure.
3
We compare insurers who accept points
Points affect every insurer differently. We find the ones whose pricing suits your record.
4
Choose your cover
We explain the options in plain terms and set up your policy, no obligation.
UK-based specialist advisersAccess to 20+ specialist insurersNo obligation, just expert helpTrusted by thousands of drivers across the UK
Trusted by thousands of drivers across the UK
From a single penalty point to a full disqualification, our customers trust Insurance Revolution to find the right cover and expert support when it matters.
From a single penalty point to a full disqualification, our customers trust Insurance Revolution to find the right cover and expert support when it matters.
Penalty points insights & guides
Penalty points insights & guides
Practical advice on points, totting up and keeping your licence.
Practical advice on points, totting up and keeping your licence.
A Guide To Drink Drive Codes
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Frequently Asked Questions
Frequently Asked Questions
Find quick answers to common questions about penalty points insurance and disclosure.
Find quick answers to common questions about penalty points insurance and disclosure.
Penalty points insurance is cover for drivers with endorsements on their licence. It works through insurers who assess the specific offence behind your points, not just the total.
Still have questions?
Our advisers are here to help you find the right solution.
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