Driving License points and insurance

Naan_H

Naan_H

Naan_H

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Hi guys,

just after a bit of advice.

How long do points stay on a licence for?

I have read that they are valid for 3 years, but stay on the counterpart for 4 years (incase you have any other motoring conviction in that 4th year, when the previous ones will be taken into account).

I am asking as my insurance renewal is due in the next 3 weeks, and my SP50 points were obtained in April 08.

How will this tie in with the insurance? Will the insurance class them as coming off in April this year, or next year? And will they adjust my premium accordingly?

Many thanks in advance.
 
An insurance proposal will generally ask for any convictions withing the last 5 years but *most* insurers will disregard them if they are over 3 years old!
It is different for more serious convictions (drink driving etc) but then its down to the individual insurer as to whether they take them into account over 5 years ago!

StevieP
 
StevieP said:
An insurance proposal will generally ask for any convictions withing the last 5 years but *most* insurers will disregard them if they are over 3 years old!
It is different for more serious convictions (drink driving etc) but then its down to the individual insurer as to whether they take them into account over 5 years ago!

StevieP
Click to expand...

OK, so it looks like it will stay on the insurance certificate, but shouldnt add much to the premium? and so are the points not valid then when 3 years are up?
 
dam, i got an sp30 in feb 08 - ive just sent it off for a new address, will it come off when its there? :x
 
Last time I looked into this I'm sure it was:

* Points count towards topping up (12points) over a period of 3 years.
* After 4 years you can apply to have (most) points removed from your licence - it depends on what the points were for
* After 5 years you no longer need to declare the points to insurance companies


I'm not really sure what the benefit of getting the points 'removed' from your licence is. As they still expire after 3 years (with regards to topping up), even if you don't remove them from the licence. And you still have to declare them to insurance for 5 years, even if you've had them removed after 4.


Edit - with link...

http://www.direct.gov.uk/en/Motoring/DriverLicensing/EndorsementsAndDisqualifications/DG_4022550
 
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div0 said:
I'm not really sure what the benefit of getting the points 'removed' from your licence is. As they still expire after 3 years (with regards to topping up), even if you don't remove them from the licence. And you still have to declare them to insurance for 5 years, even if you've had them removed after 4.
Click to expand...

There's no benefit. It's just an excuse for the DVLA to charge you some money.
It costs £25 or something to get them removed last I checked, plus you have to send your licence off.
 
dont mean to take thread over from the op but doesn anyone know if you get points on a provisional licensee do the 3 years start from when the points were given or when you actuall pass
 
My SP50 I had in 2006 doesn't affect my insurance price one bit, even though I declared it.
 
flexo786 said:
dont mean to take thread over from the op but doesn anyone know if you get points on a provisional licensee do the 3 years start from when the points were given or when you actuall pass
Click to expand...

The endorsement is valid for four years from the date of the offense.

With the new drivers act if you get a total of six points on the licence, within two years of passing the test, the licence would be revoked - that could be 3 points three and a half years before passing and 3 immediately after. Only (partial) exception is that if you have six (or more) points on a provisional licence, you wouldn't have your licence revoked until a further offence after passing the test.

In most cases the new drivers act (revocation of licence and retest required - £50 to reapply for licence) would come into play before totting up procedure for disqualification (which would be a disqualification period off driving and £65 to reapply, no retest required) but if applicable the totting up procedure is the same (12 or more points within 3 years - whether pre or post test).
 
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Depends on the offense - a dr10 (drink driving) definately is valid for 11 years. Whether your insurance considers it after 5 years is up to them.

I think a dr40 is on the record for 11 years (and judges may take these into account when sentencing on any future offenses) but is only valid (and would only be printed on a licence) for 4.


edit:
http://www.direct.gov.uk/en/Motoring/DriverLicensing/EndorsementsAndDisqualifications/DG_4022550
and
http://www.direct.gov.uk/en/Motoring/DriverLicensing/EndorsementsAndDisqualifications/DG_10022425
 
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