I used to be a motor insurance adviser (not any more thank god!) and found out few interesting things.
1. 3pts dont make diddly squat difference. apart from if those 3 points take you to 12 points and get you banned....
2. It is cheaper to put your missus on the plan coz of it being a shared risk.
3. spoilers, sports exhausts and alloys make hardly if no difference to premium. chips, lowering and roll cages make a huge difference (as they think you're going to drive it a lot quicker - as if.....)
4.Even if you have a no fault claim your premium can go up as you have had an 'incident'.
The rules are general so dont shout if your experience was different!