Must you pay a penalty points insurance premium

Driving | motor penalty points

The amount of penalty points which you have on your driving record will affect the amount which you pay for your insurance premium. When calculating your car insurance premium, AXA will take into account various risk factors. If you do get penalty points it is important to notify us, as the amount of penalty points which you have, and the nature of the offence will affect your premium.

penalty points insurance premium

What are penalty points?

The penalty points system for driving offences has operated in Ireland since 2002. Penalty points are used to enforce the rules of the road, with the aim to improve driver behaviour and road safety. If you commit a driving offence, the penalty points will be endorsed on your driving license record to show that you are guilty of the offence. Driving offences include speeding, not wearing a seatbelt or using your mobile phone while driving. Penalty points can be applied on both full licenses and learner permits.

How long will penalty points stay on my record?

Penalty points will remain on your driving record for 3 years and must be reported to your insurance company when applying for insurance. Any period where your licence is out of date does not count as part of the 3 years.

If you accumulate 12 penalty points you will be disqualified from driving for 6 months, and the points which led to your disqualification will be removed at the end of the 6 months.

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