How long do penalty points stay on your driving licence?
Find out how penalty points could impact your car insurance.
Key points
- Penalty points stay on your driving record for 4 or 11 years depending on the offence.
- A 4-year endorsement means penalty points are ‘valid’ (active) on your licence for 3 years before they expire. For an 11-year endorsement, they are ‘valid’ for 10 years.
- The endorsement stays on your licence for a year after the validity period (and your points expire) so insurers and authorities can see it if they check your driving record.
- More serious offences such as drink driving or drug driving stay on your driving record for 11 years. Offences that involve reckless or dangerous driving will stay on your record for 4 years from the date of conviction.
When playing football or joining the local pub quiz, racking up points is ideal. It’s positively encouraged. But that’s not the case with your driving licence.
So, let’s get to the point and figure out how they impact your car insurance.
What are penalty points?
You receive penalty points when you're convicted of a motoring offence, like speeding. The goal is to have zero points, meaning there aren’t any ‘endorsements’ or ‘penalties’ on your licence (these are just fancy words for driving offences).
“Each endorsement has a special code”, says GOV.UK, “and is given ‘penalty points’ on a scale from 1 to 11. You get more points for more serious offences.” And some penalties come with fines, which range in cost.
So, the endorsement reflects the motoring offence while the penalty is how many points you’ll get on your licence for it, if convicted.
Here are a few examples:Footnote [1]
| Endorsement (motoring offence) | Potential penalty points | How long it stays on your licence |
|---|---|---|
| Breach of requirements as to control of the vehicle, such as using a mobile phone | 3 to 6 | 4 years from the date of the offence |
| Driving without due care and attention | 3 to 9 | 4 years from the date of the offence |
| Leaving a vehicle in a dangerous position | 3 | 4 years from the date of the offence |
How long do penalty points stay on your licence?
Endorsements stay on your licence and driving record for 4 or 11 years, depending on the offence. Footnote [1] But your penalty points are not ‘valid’ (active) for the whole of the endorsement period.
The endorsement is ‘valid’ (penalty points are active) for the first:
- 3 years after it is issued, but will stay on your licence for 4 years (on a 4-year endorsement).
- 10 years after it is issued, but will stay on your licence for 11 years (on an 11-year endorsement).
The endorsement stays on your record for an additional year after the validity period to ensure it’s visible to insurers and other authorities who might need to check your driving record.
Penalty points can only contribute towards a ‘totting up’ driving ban while they are ‘valid’. Totting up is the name of the system where drivers who accumulate 12 or more points within three years might be disqualified from driving.
How do I find out how many penalty points I have on my driving licence?
To find out how many penalty points you may have, check out GOV.UK to view your driving licence information.
How many penalty points lead to a driving ban?
You’ll be banned, or disqualified, from driving if you build up 12 or more points within any 3-year period. Footnote [2]
But the rules are different for new drivers.
Penalty points for new drivers
If you’re a new driver, your licence will be cancelled if you get 6 or more points within 2 years of passing your test. Footnote [3]
And if you received points on your provisional licence, and they haven’t expired, they’ll carry over to your full licence when you pass your test.Footnote [3]
How long would a driving ban last?
This is decided by the court, based on how serious they believe the offence is. And your ban can last: Footnote [2]
- 6 months, if you get 12 or more penalty points within 3 years
- 12 months, if you get a second disqualification within 3 years
- 2 years, if you get a third disqualification within 3 years
How many penalty points or fines would you get for speeding offences?
This is usually dependent on how much you exceeded the speed limit by, and the severity. You can expect a minimum of 3 points and a £100 fine for a speeding offence. Footnote [4]
Can penalty points affect my car insurance?
Yes, under the Road Traffic Act 1998, it’s an offence to withhold information from your current or future insurers. This means you must tell your insurance provider about any penalty points you have on your driving licence. Even though points may not affect your monthly payments (premiums) immediately, if you fail to share this information it can lead to issues later on, such as cancellation of your policy or struggles to get insurance in the future.
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