Speeding Points? Why It Still Costs You (Even If Everyone’s Doing It)

It’s one of the great motoring ironies, isn’t it? Nearly every driver has nudged over the limit at some point—yet if you’re the one who gets caught, you might be the one paying for it for years. Insurance premiums climb, options shrink, and suddenly you're stuck explaining one lapse every time renewal comes around.

Is that fair? That depends who you ask. But from where you're sitting, it probably feels more like a punishment than a lesson. Especially when it’s just a few points and not some wild high-speed chase down the motorway.

Why Do Insurers Push Up Prices After a Speeding Offence?

• Perception of Risk: A speeding offence—even a minor one—might signal to insurers that you're more likely to make a claim.
• Data, Not Context: Insurers often look at your record as numbers, not nuance. They don’t know it was downhill with an empty road at 2am.
• Fewer Willing Providers: Once points are on your licence, some insurers might decline to quote altogether—limiting your options and pushing prices up.

But you’re not stuck. Specialist providers exist for a reason. Sites like Insurance for Convicted Drivers focus specifically on helping drivers in your shoes find cover that makes sense—without assumptions, without raised eyebrows, and without endless “Sorry, we can’t offer a quote” messages.

Feeling Penalised? There Might Be Another Way

You made a mistake. Or maybe you were just unlucky. Either way, it shouldn’t mean being overcharged indefinitely. By comparing quotes from insurers who actually understand this market, you might find a deal that doesn’t feel like another punishment.

Head over to Insurance for Convicted Drivers and get some quotes. You might be surprised how different the picture looks with the right people involved.