Our most Frequently Asked Questions about Allianz Car Insurance No Claims Bonus.
In Ireland, penalty points are used to enforce the rules of the road and improve road safety and driver behaviour.
Penalty points range from one to three points depending on the motoring offence committed. For example, you will receive one penalty point for driving on a cycle track and three penalty points for speeding.
Insurers base quotes on several risk factors. In general, the number of penalty points, the nature of the motoring offences and the type of licence you have will determine whether or not your insurance premium is affected. Typically, though, your car insurance quote increases the more penalty points you have.
If within three years you accumulate 12 penalty points (7 for learner drivers), you'll be automatically disqualified from driving for six months. Once you have a driving ban, your premium will increase. This is because your risk factor increases. You might also find it harder to get insurance cover, especially from a new provider.
If your driving ban lasts more than two years, you'll lose your no-claims bonus (NCB). This also increases the cost of your car insurance.
