I filled out an online quotation form - that gave me a rate of €411 - but requested that I phoned them to complete the process. I'm confident that none of the other details I would have given them were a factor (all normal/low risk profile items) with one exception; 5 x penalty points (2 + 3 points for exceeding speedlimit on 01/07 & 24/07 2014). Policy will start on 13th May. These points will be cleared off my license within the first quarter. Someone suggested that I could cancel my policy and re-apply for a new one after quarter 1. An hour go, I gave credit card details to pay for the year (it's €150 more than the figure above). Can this be done? Is it above board to do so?