The Road Traffic (New Drivers) Act 1995
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Penalty points and Disqualifications (Bans)
The Road Traffic Act which applies to new drivers may also be relevant to you, read our information by following the link.
The information on this page which dispel some of the myths for young drivers regarding points and disqualifications.
If you are convicted of a motoring offence, the court can endorse your driving licence with penalty points or order a period of disqualification from driving.
The details are entered on your driving record and your paper driving licence.
In addition to paying a fine or fixed penalty, your driving licence will be endorsed with a penalty ranging from three to 11 points or a period disqualification depending on the seriousness of the offence.
If you incur 12 or more of these penalty points within a period of three years you will face automatic disqualification under the 'totting-up' system. Information on your driving entitlement and endorsements are sent to the courts and police on request.
Insurance companies will ask you for the rest of your life whether you have ever had a driving ban. Suffering a driving ban will effect your insurance record permanently. As a young driver, disqualifications and bans are seen as extremely serious.
17to40.co.uk search a panel of insurance companies and we do have policies that will offer young drivers cover if they have convictions and bans. However young driver premiums can be expensive enough without incurring additional loadings.
The length of time that points remain on your licence depends on the type of offence committed. The date in which the endorsement starts also depends on the type of offence.
Endorsements must remain on a licence for 11 years from date of conviction if the offences are any of the following:
- Drinking / drugs and driving
- Causing death by careless driving whilst under the influence of drink/drugs
- causing death by careless driving, then failing to provide a specimen for analysis
Endorsements must remain on a licence for four years from date of conviction if the offence is:
- Reckless / dangerous driving
- Offences resulting in disqualification
- Disqualified from holding a full licence until a driving test has been passed
Endorsements must remain on a licence for four years from the date of offence in all other cases.
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