Do Penalty Points Affect Insurance? 2026 Guide for Irish Drivers

Having penalty points on your license can affect your car insurance in a few different ways. If you’re renewing or looking to take out insurance, penalty points on your license can lead to an increase in your premium or in certain cases might even make difficult for you to find cover altogether. That’s one of the reasons why it’s important to keep your driving record clean.

Below, we’ll take a closer look at how penalty points can affect your car insurance, and what to do if you receive penalty points on your license.

What Are Penalty Points?

The penalty point system in Ireland was set up to encourage drivers to drive safely and reduce the number of casualties on the roads. Several driving offences incur penalty points ranging from one to five points depending on the severity. For example, you will receive one penalty point for failing to comply with a keep left sign and three penalty points for holding a phone while driving. Some driving offences also include fines on top of penalty points.

Penalty points are recorded on your driving license record. They will remain on your record for three years, and you must let your insurance company know when applying for car insurance.

How do Penalty Points Work?

Penalty points in Ireland are recorded on your driving license on the following occasions:

You are convicted in court on a driving offence which incurs penalty points
You pay a fine issued to you for a driving offence which also carries penalty points

You are automatically disqualified for 6 months from driving if you receive 12 penalty points in 3 years.

A lower threshold applies to learner permit drivers and the first 2 years of a driver’s first full driving license. These drivers will be disqualified if they have 7 penalty points.

Penalty points on your driving record can affect your car insurance premium. It will depend on the type of offence and, or the number of offences to determine if a different rate will be applied to your insurance premium.

Penalty points last for a 3-year period. If your license is outdated during this period, the clock effectively stops. It will then only restart once you renew your driving license again.

Check out the RSA document on offences incurring penalty points to get a complete list of driving offences.

Most Severe Driving Offences

Penalty points vary from 1-5, with five being the most severe driving offences. The following list all incur 5 penalty points (some upon conviction):

Driving without car insurance
Breach of a driver’s duties at a car accident
Dangerous overtaking of a cyclist
Driving a dangerously defective vehicle
Driving vehicle before remedying dangerous defect
When the driver is found to be driving carelessly
Failure to stop when so required by a member of the Garda Síochána
Failure to obey traffic lights
Failure to obey traffic rules at railway level crossing
Using commercial vehicle without certificate of roadworthiness
Bridge strikes, etc.

Penalty Point Statistics

Some of the most common driving offences that result in penalty points for Irish drivers include:

Speeding: 3 penalty points and a €160 fine.
Using a Mobile Phone While Driving: 3 penalty points and a €120 fine.
Driving Without a Seatbelt: 3 penalty points and a €120 fine.
Failure to Obey Traffic Lights: 3 penalty points and an €80 fine.
Parking a Vehicle in a Dangerous Position: 3 penalty points and an €80 fine.
Driving Without Reasonable Consideration: 2 penalty points and an €80 fine.
Learner Driver Driving Unaccompanied: 2 penalty points and an €160 fine.
Driving Without a Valid NCT: 3 penalty points and an €60 fine.

You can find a a full list of driving offences incurring penalty points on the RSA website.

Will a Driving Ban Affect My Insurance?

You will be automatically banned for six months if you accumulate 12 penalty points in a 3-year period. Drivers on a learner’s permit have a lower threshold of seven penalty points for disqualification. Once you are disqualified from driving, you must give up your license to the National Driving License Service (NDLS) within ten days. After six months, the points leading to the disqualification will be removed.

Do Penalty Points Affect Insurance?

The answer depends on a range of circumstances. Typically having less than two penalty points will not affect your car insurance premium, although each insurance company has a different policy regarding penalty points in Ireland.

You should notify your insurance company if you have any penalty points applied to your driving license. If you do not tell them, it could affect your ability to make a claim in the future. You could be down thousands due to this. It may be frustrating to tell them about your new penalty points, but it could be worse if you don’t.

If you are unsure how many penalty points you have, you may contact the NDLS to find out.

Will a Driving Ban Affect my Car Insurance?

If you are disqualified from driving, your insurance premium will increase. That’s a guarantee. Your risk of being in a car accident increases. You may find it challenging to get insurance cover now that you have been disqualified from driving. Getting insurance cover from a new insurance provider can be increasingly difficult.

If your driving ban lasts longer than two years, you will lose your no-claims Bonus (NCB). This will again raise the price of your insurance premium. Essentially the more driving offences you break, the more your insurance will cost you. You’re seen as a hazard on the road and more likely to cause an accident than someone without penalty points.

Key Road Safety Changes

In addition to the penalty points update, several other significant road safety measures were implemented in Ireland in 2025 and 2026.

New Speed Limits:
Default speed limits have been reduced on many roads to improve safety, particularly for vulnerable road users. These changes include:

Urban areas: 30 km/h
Rural, local roads: 60 km/h
National secondary roads: 80 km/h

Mandatory Drug Testing:
The Road Traffic Act 2024 also introduces mandatory drug testing at the scene of serious collisions, aligning it with the existing requirements for alcohol testing.

Driver Number for Insurance:
As of March 31, 2025, drivers are now required to provide their driver number when taking out or renewing your car insurance. This is aimed at tackling uninsured driving.

Penalty Points Ireland
Frequently Asked Questions

How long do penalty points stay on your licence in Ireland?

Penalty points remain on your driving record for 3 years.

Do I need to tell my insurance company if I get penalty points?

You should notify your insurance company if you receive any penalty points. The details you provide the insurer forms the basis for your insurance quote. If any details are incorrect or have changed, you must tell them. Failure to do so could invalidate your policy and affect your ability to make a claim.

Can I drive with 9 penalty points?

Yes, if you hold a full license, you can drive with 9 penalty points, although you are very close to the 12-point disqualification limit. You should drive with extreme care and caution, abiding by all rules of the road.

What happens if someone else was driving my vehicle?

This is a very valid question. If the Gardaí caught the driving offence on camera, the notice would be sent to the vehicle’s owner. If the owner was not driving the car at the time of the offence, they should fill out the form attached to the notice and state who was driving the car. You should return it, and the Gardaí will forward it to the vehicle’s driver.

Can penalty points be cancelled?

In rare circumstances, penalty points can be cancelled. You can apply to the Gardaí for the points to be cancelled, but you will have to show reasonable procedural or exceptional grounds for cancellation. Procedural grounds include might include you were penalised for not having tax or insurance, but you can prove that you had tax or car insurance at the time of the offence or you no longer owned the vehicle. While exceptional grounds might include broking the speed limit because of an emergency where you had to bring someone to the hospital, or breaking the speed limit due to an emergency at home, such as a fire. You can find out more about cancelling a fixed notice on An Garda Síochána website.

Can penalty points be appealed?

Yes, you can challenge penalty points. A fixed charge notice can be disputed, which will lead to a court date where you can plead your case. If you have already been convicted in court, that decision can be formally appealed, but you must lodge the appeal within 14 days. Be aware that an unsuccessful challenge in court will likely result in a larger fine.

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Do Penalty Points Affect Insurance? Guide for 2026