How do driving license black points affect your Car Insurance Premium?

When you are driving on the roads your safety and your fellow driver's safety is also your responsibility. To do this all you have to be is a good driver. Driving with carelessness can affect your life and also endanger other's lives. To ensure the safety of everyone on the road black point system has been introduced by the government of UAE. The intention of introducing this system is to reduce casual driving and also make safety norms. With the Black points system in Dubai and across all the Emirates the government has aimed to reduce road accidents. Here in this article, we provide you with the guidelines about how black points can affect your car insurance premium in Dubai, UAE. 

What are Black Points in UAE?

If there is a traffic rules violation black points get added to your license. The black points are the indicator of your driving style and it will record a history of your driving. You can check the black points in the UAE which are added to the license. It will help you to know if you are a regular traffic violator or have committed violations in error. Whether it is a regular violation or a violation by error black points will get added to your account. 

How do black points affect your car insurance Premiums?

All the traffic violations of an individual are recorded on the file. When the car driver goes to purchase car insurance, the insurance company will first check the history of the car driver. The car driver should produce a license and car plate number. The insurance company will check the black points and then the quote will be provided to the insurer. The insurance company will get to know the driving habits of the driver, their style of driving and history of driving. 

The insurance company will provide the quote based on the assessment of the black points and driving history. If there are few black points then the insurance company will consider and provide you with a good insurance policy that will not burn your pockets. Suppose if there are too many black points on the car driver's license then the insurance company will issue a high premium insurance policy. 

Experts say that the high insurance premium is because of the black points on the driver’s license. Keep a check on the black points on license in Dubai as it is important prior to purchasing insurance. Purchasing car insurance is very much necessary to avoid black points on the license. 4 black points are given as a penalty if you do not have car insurance.

Why the Black points system?

The main purpose behind introducing the black point system is to encourage healthy driving habits and discourage law breakers. Black points are issued with a penalty and the penalties are pre-decided. Depending upon the seriousness of the violation the penalty points are assigned for the violation. There are different laws and based on these laws black points are assigned for the violations. 

How Black points are added to the license?

On the roads, the cameras are watching the riders and radars are used in Dubai to check the traffic moments and traffic violators are captured. If you are committing traffic violations and you are caught for traffic violations then the police officers will get to add black points. The points are added to the individual's file in 48 hours and the violator will get an SMS notification. The violations which carry higher risk have a higher penalty and strict rules are maintained to ensure the safety of the drivers and others on the road. 

Take away

Black points can be reduced and avoided if you are following the road rules strictly. Apart from these basic requirements like having insurance, complying with driving sense, having awareness of speed limits and traffic education can reduce or avoid black points. While driving ensure that you are safe and also others on the road. Follow the traffic rules as it will help you to avoid penalties. Keep yourself updated with the latest developments.