How long are SP 30 (speeding) Points Valid

3 years for totting up purposes, 4 years on license, generally insurers ask for points within last 5 years. At least, that's how I understand it.
 
JRS said:
3 years for totting up purposes, 4 years on license, generally insurers ask for points within last 5 years. At least, that's how I understand it.
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Ok I have now got 2 entries on my license:confused: one from 2009 SP 30 and this new on, So If understand you correctly I have totted up just 3 points but have to say 6 for insurance ? WTF is that all about then when can you have 3 points under the totting up rule and 6 points under insurance??
 
The shady thing is....

If you goto court to contest the charge and lose, the points are valid for 4yrs from the date offence but cannot be removed until 4yrs from the date of conviction.
 
Daff_Duck said:
Ok I have now got 2 entries on my license:confused: one from 2009 SP 30 and this new on, So If understand you correctly I have totted up just 3 points but have to say 6 for insurance ? WTF is that all about then when can you have 3 points under the totting up rule and 6 points under insurance??
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It's really quite simple.

You can get banned under 'totting up' if you amass 12 or more penalty points in a 3 year period.

After any points have been on your licence for 4 years, you can apply to have them removed.

Insurance companies tend to ask about any points you have had in the last 5 years. This is completely separate from how many points are currently on your licence. They're only interested in calculating your 'risk', and have no interest in whether you are likely to get banned or not.
 
Daff_Duck said:
Ok I have now got 2 entries on my license:confused: one from 2009 SP 30 and this new on, So If understand you correctly I have totted up just 3 points but have to say 6 for insurance ? WTF is that all about then when can you have 3 points under the totting up rule and 6 points under insurance??
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Your insurance company aren't really asking how many points you have, they're just asking what convictions you've had in the last 5 years. They don't care what the points total is really.
 
Kenai said:
Your insurance company aren't really asking how many points you have, they're just asking what convictions you've had in the last 5 years. They don't care what the points total is really.
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Well that doesn't help much - On one hand they say oh it doesn't matter how many points you have, but on the other hand it matters how many convictions you have had? So when you go for a renewal of your premium your saying look I have got 6 points but ignore them I have had 2 convictions!

Or is it the case of look I have 6 points for a one off rather than 2 sets of 3 pointers either way my insurance goes up so why bother having more than one equation.

I am not concerned about the points I have them and that is it, I just dont see why insurance, police magistrates have to make it so confusing with different time limits and restrictions.
 
Insurance companies are not associated with the police, so why would you expect them to use the same system? When you say ‘They say’ you are confusing 2 separate entities which each have their own agendas and systems.

Insurance only care about risk factors, if you have been caught speeding that makes you more of a risk so they ask the question.

Police want to take unsafe drivers off the road so they have a points system which will ban offenders if they committed offenses which add up to more than 12 points over a 3 year period.
 
Daff_Duck said:
Well that doesn't help much - On one hand they say oh it doesn't matter how many points you have, but on the other hand it matters how many convictions you have had? So when you go for a renewal of your premium your saying look I have got 6 points but ignore them I have had 2 convictions!

Or is it the case of look I have 6 points for a one off rather than 2 sets of 3 pointers either way my insurance goes up so why bother having more than one equation.

I am not concerned about the points I have them and that is it, I just dont see why insurance, police magistrates have to make it so confusing with different time limits and restrictions.
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Insurance want to know convictions because someone who has 6 points for a careless driving conviction presents them with a different risk factor to someone who has 6 points for a pair of minor speeding offences. They are interested in what you've done/been convicted of for the last 5 years.

When it comes to totting up, they don't care what you've done, whether you've done two things that were 6 points, or 4 things that were 3 points, is of no real concern. They just want you off the road if you've managed to offend repeatedly within a three year period.

You're not declaring 'points' to an insurer, you're declaring convictions, it's just that it's much easier to refer to everything as 'points' colloquially when you're referencing the effect a conviction will have on your motoring life. In reality, points to the DVLA/Police are nothing to do with convictions as declared to insurance.
 
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It's absolute bull that they ask for 5 years worth of convictions. Surely if it's removed from your licence after 4 years it should count as a spent conviction and be nobody's business. Insurance companies get away with far too much that everyone else has already been nailed to the floor for. The playing field should be levelled either way imo.
 
monkey_boy said:
It's absolute bull that they ask for 5 years worth of convictions. Surely if it's removed from your licence after 4 years it should count as a spent conviction and be nobody's business. Insurance companies get away with far too much that everyone else has already been nailed to the floor for. The playing field should be levelled either way imo.
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tbh they could ask for life if they wanted to, doesn't seem too unreasonable to me.
 
how about driving bans, do the same rules apply for removing them from your licence? DVLA site is vague about removing "endorsements"
 
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