Which carries least loading, points or a ban?
 

Link to insurance forum as not getting much response....

http://www.scoobynet.co.uk/bbs/showthread.php?t=298721

Obviously depends on the amount of points, i.e, if you get three for speeding (on the first occasion) they're normally ignored. Points are normally declared for up to 5 years, where as a disqualification is up 10 years from date of offence.

LV (who I can't recommend highly enough) ignore any points, but want to know about disqualifications. However, they don't like under 30's and imports.

Hope this helps