Acorn Insurance

Reducing Insurance Costs with Penalty Points on Your Licence

Are you facing the challenge of high insurance costs due to points on your driving licence? Did you know that according to the DVLA, there was a driver in the UK with a jaw-dropping 68 points on their licence but were able to remain behind the wheel due to special dispensation?

Whether you’ve been caught speeding, ran a red light, or committed other traffic offenses, we understand the struggle. At Acorn, we’re here to help you navigate this situation and are able to consider applications from non-standard drivers who have perhaps been declined insurance in the past. In this blog post, we’ll explore strategies to lower your insurance costs while maintaining coverage.

1. Shop Around for the Best Deal

When you’re dealing with points on your license, it’s crucial to compare insurance costs and quotes from different providers. Don’t settle for the first offer that comes your way. Look for insurers who specialise in high-risk cases, like Acorn Insurance.

We understand the unique challenges faced by drivers with points and our friendly and experienced staff can help you find the coverage that is right for you!

2. Consider Black Box Insurance

Black box insurance, also known as telematics insurance, is a game-changer for cost-conscious drivers. By installing a small device in your car, insurers can monitor your driving behaviour. As a result, safer driving habits can lead to lower premiums.

Also, Black Box Insurance helps fleets lower work-related road risk, and promote safer driving habits.

3. Food Delivery Insurance

Are you a food delivery driver? If so, you’ll need specialised insurance, as a standard personal policy may not cover you. Food delivery insurance covers you while you’re on the job, ensuring that you’re protected even during those late-night pizza runs.

All Acorn taxi policies come with food delivery included as standard, meaning you can maximise your earnings and stay protected in the event of a claim.

4. Hire and Reward Insurance

For taxi drivers, couriers, and other professionals who transport goods or passengers for payment, hire and reward insurance is essential.

It covers you when you’re working, whether you’re delivering parcels or shuttling passengers. Be honest about your usage to avoid any surprises later.

Our taxi policies also include public liability insurance for £5m cover as standard on annual policies, which could be helpful against any claims made by passengers or third parties.

5. Fast Food Delivery Insurance

Fast food delivery drivers face unique risks—navigating busy streets, parking in tight spaces, and dealing with hungry customers.

Fast food delivery included as part of the core product insurance takes these factors into account, ensuring you’re adequately covered.

A fast food delivery insurance policy with Acorn will give you peace of mind, knowing that you have the right protection in case something goes wrong along the way.

6. Import Car Insurance

If you drive an imported car, you’re probably aware that standard policies might not cut it. Import car insurance considers factors like parts availability and repair costs specific to your vehicle. As such, insuring imported cars can be a high risk for some providers.

At Acorn, we can help to find you specialist insurance, so if you’re planning on importing a vehicle get in touch with our team of specialists today on 01704 339925!

7. Convicted Driver Insurance

Being a convicted driver doesn’t mean you’re stuck with sky-high insurance costs forever. Acorn Insurance specialises in helping those who may have previous claims, driving convictions, or points on their licence.

By being transparent about your convictions and claims we can offer a convicted driver car insurance policy that gives you the opportunity to get back on the road, start building up your no claims bonus, and correct your driving style for good.

Ready to save on your insurance? Get a quote from Acorn Insurance now!

With over 40 years of experience putting drivers with points behind the wheel, we offer hassle-free quotations to ensure that each driver has the right level of cover for their needs.

Click today for a no obligation quotation! Our Private Car, Taxi Insurance, and Fleet teams are standing by to receive your questions and queries and discuss your needs. 

We take the time to understand each customer’s unique insurance needs and circumstances, let us help you today!

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