Churchill magazine

Penalty points for first time drivers

Updated on: 14 September 2020

penalty points

Just passed your driving test? Congratulations!

Like many other young drivers, you’re probably now looking for the cheapest car insurance you can find. So keep in mind the effect speeding can have on your car insurance premium, as well as your safety.

Statistics show that young drivers are most at risk of being involved in an accident in the first two years of driving, and one in five have a crash within a year of passing their test. (Source:

Speed is a major cause of road accidents and breaking the speed limit carries a penalty of 3-6 points. And if you receive six or more penalty points within the first two years of passing your test, your licence will be taken away and you’ll have to start again as a learner.

How do penalty points affect young driver car insurance premiums?

The main penalty point offences are:

Offences Penalty points
3-6 points
Driving through a red light
3 points
Careless driving
3-9 points
Driving without insurance
6-8 points
Failing to stop after an accident
5-10 points

Running up penalty points could affect the amount you pay for a young driver car insurance policy. If you want to keep your car insurance as cheap as possible, ensure that you keep a clean driving licence.

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