Here at Got Points we completely understand that everone makes mistakes at some stage in their lives. Sometimes though, those mistakes can be costly - or more importantly have a long term detrimental effect on day to day living.

Anyone with more than 6 points on their licence will recognise this situation where every trip could easily be the last for some time after totting up. After all, how easy is it to creep over the speed limit in a moment of distraction and suffer the dreaded flash of the Gatso?

While most insurers throw up their hands in horror, we realise such incidents do not always deserve pariah status, nor in a moment do they reflect a lifetime of good driving. That's why we're here to help.