Ginge all Insurance Companies operate different policies, you cant generalise that points will make a set difference across the board.

For 3 years I have paid 50% extra insurance for my SP50 6 points, now im in my 4th year its made a hell of a difference reducing the premium.

The point I was trying to make I guess was that some people see points better than a ban and vice versa, personally I think either way you end up paying more insurance for at least the next 3 years