How long do penalty points stay on your driving licence and how does it affect insurance?

May 29th, 2013 in


Whilst discussing penalty points, some people appear to be confused as to how long the points actually stay on your driving licence once you receive them. One person I spoke to thought that they stayed on for 3 years whilst another person thought it was 4 years; it actually depends on the offence.

The majority of driving offences results in the penalty points staying on your licence for four years from either the date of the conviction or the date of the offence, depending on the situation.

If the offence is drink driving/ drug driving or causing death by careless driving whilst under the influence of drink or drugs or causing death by careless driving, the points stay on your licence for 11 years from the date of conviction.

You can check your penalty points by phoning DVLA customer enquiries on 0300 790 6801 or online if you applied for you licence online.

Each penalty has a special code and is given points on a scale from 1-11. The more serious the offence, the more points you get.

The most common offences are:

CD10: Driving without due care or attention: 3-6 penalty points.

LC20: Driving otherwise than in accordance with a licence: 3-6 penalty points.

SP10: Exceeding goods vehicle speed limits: 3-6 penalty points.

SP30: Exceeding statutory speed limit on a public road: 3-6 penalty points.

DR10: Driving or attempting to drive with alcohol level above limit: 3-11 penalty points.

TS10: Failing to comply with traffic light signals: 3 penalty points

CU80: Using a mobile phone while driving a motor vehicle: 3 penalty points.

IN10: Using a vehicle uninsured against third party risks: 6-8 penalty points.

There are many other offences that you could get penalty points for. If you click this link you will be able to see the full list: https://www.gov.uk/penalty-points-endorsements/endorsement-codes-and-penalty-points

If you get a motoring conviction you have to tell your car insurer about it. The penalty points that you receive will be taken into account when the insurance company is working out what to charge you for your insurance.

 If you have any penalty points you are seen as being a greater risk of having an accident and most likely you will be charged more for your policy. Usually the rise in your insurance depends on the reason for your penalty points; you are more likely to have to pay more if you have a drink driving conviction rather than a one off speeding conviction. Whatever the reason is for your penalty points, you have to, by law, tell your insurance company about them. If you don’t tell your insurance company about your penalty points and then you try to make a claim, you insurance company can refuse to pay the claim.