Been helping a friend recently trying to sort insurance, however she got 6 points just over 2 years ago for driving without insurance (wasn't technically her fault). Her Ex cancelled the insurance which was in her name after they split up and she got caught the day after and didn't know he had done so.
Cue now when she is trying to get back into driving and she's sorting a car as they took hers and she hasn't needed it until now. The problem is clearly the points which is really pushing her premiums up, most commonly on comparison websites to about £3-£3.5k, now when I've had a look there have been a few with black boxes, but reviews have been far from good, however they have bought her insurance right down to £1200. The thing is from all the reviews I've read, it's a stupid option with loads of hidden costs and it's all too easy to be fined, like for innocently over taking, people have been fined upto £100 and others have curfews, which won't help as her job requires her to start at 4am and if she does lates she can be there till gone 11pm so she'll get 'fined' or increased premiums for that.
Is there any other options people can suggest or have used? Maybe specific experiences with black box insurance or just good insurance companies to apply with for drivers with points that don't charge you stupid amounts?
Cue now when she is trying to get back into driving and she's sorting a car as they took hers and she hasn't needed it until now. The problem is clearly the points which is really pushing her premiums up, most commonly on comparison websites to about £3-£3.5k, now when I've had a look there have been a few with black boxes, but reviews have been far from good, however they have bought her insurance right down to £1200. The thing is from all the reviews I've read, it's a stupid option with loads of hidden costs and it's all too easy to be fined, like for innocently over taking, people have been fined upto £100 and others have curfews, which won't help as her job requires her to start at 4am and if she does lates she can be there till gone 11pm so she'll get 'fined' or increased premiums for that.
Is there any other options people can suggest or have used? Maybe specific experiences with black box insurance or just good insurance companies to apply with for drivers with points that don't charge you stupid amounts?