Yes; But It Depends on the Type and Number of Points
Getting points on your licence doesn’t automatically stop you from driving a company car. Most employers and insurers understand that minor offences happen. A few speeding points or a mobile phone offence won’t usually cause panic, but once you start collecting several endorsements, things get trickier. Every insurer has its own tolerance level, and employers must follow those rules when adding you to the company’s policy.
In short: yes, you can usually stay insured, but the company’s insurer needs to know about the points and must agree to keep you on cover.
Why Insurers Care About Licence Points
From an insurer’s perspective, points equal risk. Each offence suggests a slightly higher chance of future claims. A driver with three points for 35 in a 30 zone is unlikely to raise alarms. But someone with nine points for repeated speeding or careless driving will look more concerning. For company policies, insurers assess not just you, but the overall risk across all named employees.
That’s why employers often carry out regular licence checks; sometimes quarterly; especially if staff drive regularly for work. It helps them stay compliant and prevents a nasty surprise if a claim arises and the insurer discovers undeclared points.
When You Must Tell Your Employer
If you’ve received new points, you should always inform your employer promptly. Many company car policies include a clause that requires immediate disclosure of any change in driving status. Failing to do so can invalidate the policy or even breach your employment contract. In practical terms, this means telling your fleet manager or HR department as soon as the offence is confirmed, not at the next renewal.
Honesty works in your favour. Employers are generally more understanding when you’re upfront, particularly for isolated offences. Hiding it creates bigger problems later, especially if the insurer cancels or refuses to pay out because of non-disclosure.
How Employers Handle Drivers with Points
Most employers operate tiered risk policies. Three or six points might trigger a reminder or require a short driver-awareness session. Higher totals; say nine or more; may lead to stricter monitoring, driving restrictions, or temporary suspension from company vehicle use. Each organisation’s policy will differ, but the insurer’s stance always comes first.
Some employers use specialist fleet insurers who are used to dealing with real-world drivers. They can adjust premiums slightly for employees with minor points rather than removing cover entirely. That flexibility keeps businesses running without excessive disruption.
What to Expect When Getting Insured Again
If you’ve recently joined a new job and you already have points on your licence, you’ll probably be asked to share your DVLA check code so the company can verify your record. Insurers use this to confirm your status and decide whether you can be added to the policy. Minor offences rarely cause an issue. Major ones, such as drink-driving or driving without insurance, can lead to refusal; though a specialist fleet broker may still find a solution.
Sometimes insurers will impose conditions, like a higher excess or excluding you from driving certain vehicles. It’s all about proportionality rather than punishment.
Keeping Your Record Clean from Here
If you rely on a company car, treat your points as a wake-up call rather than a barrier. Simple habits; obeying speed limits, staying off your phone, and keeping your car roadworthy; will help you avoid new penalties. Points expire over time, and most insurers start to ease premiums once you’ve kept a clean record for a few years.
So yes, you can insure a company car after getting points. Just tell your employer, stay within policy rules, and show insurers you’re serious about safe driving. Over time, the points fade, but a good reputation on the road will stick around much longer.