Everything I said was purely based on real world experience I'm afraid, so quite difficult to argue against, as you obviously found out. Points on licence SP30/SP50 do not effect your insurance premium. The insurance companies have the data and they know that in most cases points on licence (FP's) bears no relation to accident risk, thus no increase in premium. You'll get the odd ins co. that'll try it on, but that's just an indication that its time to change insurers. Just to be clear for the slower readers, I'm talking purely about fixed penalties for most drivers i.e. aged 25-50 with no prior convictions and no recent accidents. Yes I have 9 points but as I've said in recent posts I do 25k miles a year and haven't had an accident for 15 years and my premium is now lower than it's ever been at £428 including business cover on a group 17 2.8Q. I'm sure you'd rather be driving next to Mrs Miggins aged 78 with a clean licence but who can barely see over the steering wheel, rarely drives anywhere, has no confidence and panics when it rains but judging from your comments common sense is not your strong point.