If you break traffic laws, you’ll get points on your license. And if you get points on your license, you have a legal obligation to tell your car insurance providers.
but how much time do you have to declare points for insurance? what will happen to your insurance once you have told your provider? And what happens if you don’t declare your penalty points?
This blog is your essential guide to penalty points and car insurance.
penalty points: how do they work?
When you commit a violation on the roads, the police can add penalty points to your license.
how many points for speeding and other violations?
The number of points you earn depends on your specific violation. speeding can cause you 3 to 6 penalty points. You can get up to 10 points on your license if you fail to stop after an accident. and if you drive “without due care and attention” – for example, if you drive while using your cell phone – you can get up to nine points on your license.
You will find a comprehensive guide to various offenses and their associated penalties on gov.uk.
how long do points stay on your license?
These points generally remain on your license for four years from the date of the violation. But points earned for more serious violations, such as those involving drunken driving and those resulting in death, will remain on your license for 11 years from the date of the violation.
how many penalty points to suspend a license?
You cannot accumulate penalty points indefinitely. If you get 12 or more penalty points on your license in a three-year period, you could be banned from driving for at least six months. you’ll probably need to apply for a license and retake an exam as well.
And that’s what penalty points are all about. they act as an indication of how safe and reliable you are as a driver. the more points you have on your license, the more responsibility you have for yourself and other road users. that’s why drivers who accumulate too many points can be disqualified from driving. taking these drivers off the road and forcing them to receive additional training is safer for everyone.
Obviously, if you’re a high-risk driver, you should expect to pay more for auto insurance. That’s why you’re required to tell your auto insurance providers about the points you earn on your license.
how much time do you have to declare points for insurance?
You should report any points you accumulate on your license to your insurance provider as soon as possible.
Traffic violations are only reinstated after 5 years. This means that even if the points no longer appear on your license record, insurers can still expect you to plead, so be careful to check the number of years the insurer specifies for a driving conviction to be pleaded. your request.
what happens if you don’t tell your insurer about the points on your license?
If you don’t tell your insurance provider about the points on your license, your policy may be cancelled. after this, you will have a hard time finding someone to insure you. When getting a new insurance policy, you’ll most likely be asked if you’ve ever had a policy cancelled. this is a huge red flag for insurers. Don’t make it harder for yourself to get the insurance you need!
And don’t be tempted to give your insurer false or misleading information. This is fraudulent behavior that could get you into a lot of trouble, including the cancellation of your insurance policy and all the trouble it will cause.
The risks of not reporting the points to your insurer are too great. It’s in your best interest to tell your insurer within days of receiving your ticket, and it’s essential to be open and honest.
The price you will pay is a higher insurance premium. consider it as one more incentive to drive safer in the future!
last thing: when do the points go into effect?
Sometimes points remain on your license from the day of the violation. but sometimes they remain on your license from the day of your conviction. there could be a considerable distance between these two days.
When reporting your license points to your insurer, make sure you know which day to disclose. After the time period has elapsed, her insurer will reconsider her premium once again. so if you tell them the wrong day, you could end up paying a higher premium for longer than necessary!
For more information on how penalty points can affect the cost of your insurance, please read your policy wording.
See also: Facts Statistics: Auto insurance | III