Tag: penalty points

Over one hundred vehicles stopped during careless driving campaign

Over one hundred vehicles were stopped as part of a Police Scotland five-week long road policing initiative to combat careless driving.

During Operation Tramline, which was carried out between Tuesday 26, April, to Thursday, 26, May,2022 a total of 78 cars, 44 LGVs and two motorcycles were stopped by officers using an unmarked HGV cab

The HGV cab was deployed on dual carriageways and motorways in Fife, in and around Edinburgh, and in the Forth Valley area.

As a result 138 offences were detected. Of these 58% (80) related to mobile phone offences, 14.5% (20) to seat belt offences, 4.3% (6) to careless or inconsiderate driving and 23.2% (32) to other road traffic offences. (Please note some drivers committed more than one offence)|

These included a 23-year-old woman seen driving in lane two of the M90 Queensferry Crossing eating cereal from a bowl as she drove southbound. She was fined £100 and had three points added to her licence.

On the Edinburgh City bypass a HGV driver was found to be using both hands on his mobile and steering with his forearms, clearly not in control of his vehicle. He received a £200 fine and six penalty points.

On the M90, southbound a 37-year-old woman was given a £100 fine and three penalty points for driving while using her laptop.

Road policing officer Tom Aitken said: “Keeping all road users safe is a top priority for Police Scotland and Operation Tramline was set up to help us to reduce the number of road casualties we see on a day to day basis.

“I cannot emphasize enough that drivers should be in control of their vehicle at all time. Eating your breakfast or using a mobile phone or laptop is clearly a major distraction.

“A split second lapse in concentration could result in a crash which can cause serious injury and even death. I would urge all road users to be aware and to stay safe. Road crashes can cause devastation for all those involved.”

Oh man! Penalty points hit male motorists where it hurts

Male motorists are clocking-up more than twice as many penalty points as their female counterparts, according to new data from the Department for Transport (DfT).

Male drivers racking up three penalty points on their licences currently total 1,343,700, compared to 606,700 for female drivers, as of the 5 February this year.

The number of male drivers with six points is 395,000, whereas with female motorists the figure is 120,600.

Greg Wilson, Founder of Quotezone.co.uk, a leading insurance comparison website, comments: “The data suggests that women are the more cautious drivers – racking up less penalty points. However, the differences are stark to say the least and concerning.”

Greg Wilson warns that law breaking motorists will feel the effect: “At a time when all of us are looking to tighten our belts, penalty points can really hit motorists in the pocket. In addition to legal fines that accompany the points, offending motorists’ insurance companies will reassess how they see their risk and in turn premium.

“Three points can raise insurance premiums by 5%, but can rachet up fees by as much as 25% if a motorist has six points on a licence. Remember, penalty points stay on a licence for four years and the corresponding rise in insurance fees may do so as well.”

The data further shows that 1,120 women and 6,100 men have 12 points on their licences, which leads to an automatic ban – called a TT99. If a driver is disqualified from driving under this ‘totting up’ system, they will have had a TT99 conviction code added to their driving record, which means they’ll likely have to pay considerably more for their ‘TT99 insurance’ after the period of disqualification ends. 

Greg Wilson continues: “Motorists who can prove exceptional circumstances in court may be allowed to continue driving, but the courts are far from pushovers and the judge has the power to award the maximum fine and determine the length of the ban – over 56 days means the driver has to reapply for the license and maybe even retest.”  

Insurance providers are prohibited from using gender as part of their risk analysis calculation, as per The Equality Act established in 2010.  They use other factors such as the level of no claims bonus secured, age, postcode, vehicle specifications and of course, number of penalty points incurred, to help determine the most appropriate premium price per customer.

Motorists who want to reduce the effect of penalty points might try the following to keep their premiums as low as possible:

  • Sign-up to a telematics product recognised by their insurance firm, which allows them to showcase their new safer driving behaviour
  • There are specialist insurance policies for drivers with penalty points that can help – shop around on comparison websites for specialist driver policies
  • Parking in a more secure location overnight can really reduce fees, if they have a garage or a private driveway use it and let the insurer know
  • Choosing a car without branding or modifications and even a smaller engine can also help reduce premiums
  • Installing a dashcam can help too – insurance providers may offer discounts if drivers have one fitted

Quotezone.co.uk compares prices across all types of car insurance, including TT99 insurance and  convicted driver insurance, helping around 3 million users every year find better deals on their insurance, with over 400 insurance brands across 60 different products. Recommended by 97% of reviewers on Reviews.co.uk. 

‘Can I borrow the car?’

Don’t give your festive guests the gift of penalty points this Christmas

With children heading back from university for Christmas or friends and family coming to stay, many hosts will be confronted with the same question: ‘Can I borrow your car?’ 

Such requests are likely to be even more common this year, with many guests trying to avoid public transport or staying for longer periods to make up for the time apart during the pandemic. 

However, according to leading insurance comparison site Quotezone.co.uk, obliging hosts should be aware that depending on the insurance in place, they could face losing their no claims bonus – or even getting in trouble with the law.

According to research from the Office for National Statistics, almost two-thirds of UK students have moved out of their family home to study at university – meaning when they do flock home for the festive season they are unlikely to have a permanent insurance policy in place on the family car.

Greg Wilson, Founder of Quotezone.co.uk, comments: “Whether or not to let children or guests drive your vehicle is a seasonal dilemma for many hosts, and the pressure will be even greater this year. However vehicle owners need to be aware of the insurance options before handing over the keys.

“Perhaps the most obvious solution is to add the other person to your own insurance policy as a named driver, particularly if it’s your own children that are asking to borrow the car. However, if they are involved in an accident, you could lose your no claims bonus.

“An alternative is for them to take out a separate policy in their own name. Temporary policies can be arranged for anything from a few hours to a month, and could give you greater peace of mind, especially if you have a large no-claims bonus. It may also work out cheaper too because you aren’t insuring them for the full year.

“Either way, insurers will want details of your guests including their driving licence and details of any convictions.

“Whichever option you choose, the most important thing is to ensure that your guest does have insurance in place. There is still a common misconception that anyone with comprehensive insurance on their own vehicle is automatically insured to drive another car on a third-party basis. However, this isn’t always the case so it’s important to check whether their policy specifically includes ‘driving other cars’ (DOC) cover.

“Driving without insurance is a serious offence punishable by a minimum £300 fine and six penalty points. In more serious cases, the driver may be given an unlimited fine or disqualification and the police may have the right to seize and destroy the vehicle, even if it belongs to someone else.  The vehicle owner could also be committing an offence and may be given points and a fine.”

Where children or other guests do stay for longer periods and hosts add them to their own policy,  they should be wary of how much time they spend behind the wheel  The main policyholder (known as the proposer) should still do the bulk of the driving, because if someone else is driving more often it could be regarded as ‘fronting’, a type of insurance fraud that could result in a large fine and a criminal record. 

Quotezone.co.uk helps around 3 million users every year, with over 110 UK car insurance providers including niche products such as temporary insurance, named driver insurance and third party insurance.  

Winter is here: seasonal driving hacks to save motorists money

A leading insurance comparison firm is revealing the top winter driving hacks that could help motorists avoid higher premiums and retain those all-important No Claims Bonuses.

Quotezone.co.uk says many motorists overlook the winter conditions and can make unnecessary mistakes that will hit them hard in the pocket.

The firm, one of the UK’s leading car insurance comparison websites, says even minor adjustments in behaviour could save hundreds of pounds. Here they lay out some of the pitfalls motorists can find themselves in this winter: 

Defrosting – It is tempting to leave the engine running while the windscreen unfreezes, and the car warms up. However, if an opportunistic thief takes the vehicle, many insurance companies will not cover the loss. 

Leaving engines running is also an offence under section 42 of the Road Traffic Act 1988. Doing this is known as ‘idling’,and is bad for the environment as it increases the amount of dangerous gases emitted into the air from the car’s exhaust.

Don’t use boiling water on windscreens – Glass can crack when it experiences a sudden change in temperature, and windscreen damage isn’t always covered by a standard car insurance policy.

Simply using a frost guard, a defogger or even homemade de-icer – lukewarm water mixed with rubbing alcohol.

Clear your windscreen before you set-off – Windscreens with inhibited views can land owners with a £1,000 fine and three points on a driving licence. So any leaves, snow, ice, mud or even condensation, needs to be fully cleared before setting out.

Check tyres – Motorists can be fined an eye-watering £2,500 for each faulty tyre and receive three points on their driving licence. If the police see another tyre falling short, it doubles to £5,000 and six points. Four faulty tyres could even see the maximum 12 points – resulting in the loss of a driving licence. 

Commercial vehicle drivers, where the car or van is owned by their employer – could land firms with penalties of up to £20,000.

Numberplate – Excess mud and grit on the roads this time of year can make your car dirty very quickly, and if the numberplate isn’t clearly visible, drivers could face a fine of £1,000.

Floods – Some car insurance policies include clauses advising policyholders not to drive through flooded roads, and may specifically exclude cover for any water damage to the car if the motorist goes against this advice.

Avoid puddles – Soaking pedestrians by deliberately driving through large puddles can results in a £100 fine and three penalty points.

Greg Wilson, Founder of car insurance comparison site Quotezone.co.uk said: “As winter approaches, it’s not just the fines that motorists should worry about, points on a driving licence are noted by insurers as a sign of how safe a driver is and what the risk of a claim might be when calculating premiums.

“Three points on a licence can add 5% to premiums every year until the points are spent after four years. Six points pushes premiums up by as much as 25%, and let’s not forget No Claims Bonuses and what they might be worth if they’ve been built up over time and now have to be accrued again from scratch.

“Careful, considerate and patient drivers who plan for the winter weather and adjust their behaviour to meet the conditions give themselves the best chance of avoiding points and keeping their premiums low.” 

Quotezone.co.uk helps around 3 million users every year, with over 400 insurance brands across 60 different products including car insurance, convicted drivers and breakdown cover. 

Quotezone.co.uk is recommended by 97% of reviewers on Reviews.co.uk

92,000 UK motorists at imminent risk of losing their licence

92,000 motorists are at risk of losing their driving licence with just one more motoring offence resulting in a ban, a Freedom of Information request to DVLA by IAM RoadSmart has revealed.

There are some 92,000 drivers currently with 9, 10 or 11 points on their licence who face the real risk of losing their licence with another 3 points pushing them on or over the 12-point ban threshold.

This could be through everyday driving habits, ignorance or judgement errors – such as speeding, overtaking on a double white line, parking in a dangerous place, not stopping at a school crossing, carrying too many passengers or overloading the vehicle.

Many drivers may also be unaware that a lack of basic vehicle maintenance could also land you with points – such as defective tyres, blown headlight or brake light bulbs, cracked light covers, smeary windscreen wipers or worn suspension components.  

Specifically, at present there are 80,484 motorists in the UK with 9 points on their licence, 7,804 with 10 points and 4,313 with 11 points.

Meanwhile, there are nearly 8,800 motorists still driving with 12 points or more on their driving licence, with IAM RoadSmart once again renewing its call for a full review to ensure that drivers with multiple points are always treated in the same way. Until these anomalies are removed confidence in the simple “12 points and you are out” system will continue to be undermined.

Reasons that these drivers can keep their licence include exceptional hardship, such as loss of employment.

Neil Greig, IAM RoadSmart Director of Policy & Research, said: “The number of motorists still driving on UK roads with more than 12 points, or just under the driving ban threshold, is alarming.

“It is also an opportune occasion to educate motorists on some motoring laws that they might be unaware can result in licence points, so that motorists can change their driving habits and carry out regular basic checks of their vehicle to help make the roads safer for all users.”

Further data revealed by IAM RoadSmart’s Freedom of Information request also highlighted the postcode areas with the highest number of drivers with penalty points. These include Birmingham with 74,397, Sheffield with 56,876 and Nottingham with 56,245.

Top 10 most common driving offences which result in points:


Speed limits

  1. SP30 – Exceeding statutory speed limit on a public road – 3 to 6 points
  2. SP50 – Exceeding speed limit on a motorway – 3 to 6 points

Insurance offences

  1. IN10 – Using a vehicle uninsured against third party risks – 6 to 8 points

Construction and use offences

  1. CU80 – Breach of requirements as to control of the vehicle, such as using a mobile phone – 3 to 6 points

Traffic direction and signs

  1. TS10 – Failing to comply with traffic light signals – 3 points

Miscellaneous offences

  1. MS90 – Failure to give information as to identity of driver – 6 points

Licence offences

  1. LC20 – Driving otherwise than in accordance with a licence – 3 to 6 points

Construction and use offences

  1. CU30 – Using a vehicle with defective tyre(s) – 3 points

Careless driving

  1. CD30 – Driving without due care and attention or without reasonable consideration for other road users     – 3 to 9 points
  1.  CU50 Causing or likely to cause danger by reason of load or passengers – 3

New drivers should take extra care as they can amass points very quickly in their first two years of driving. This rule came into force on 1st June 1997.  Anyone of any age passing their first driving test is ‘on probation’ for two years.

A total of six or more penalty points during that time will mean they have to go back to learner status, apply for a new provisional licence and take the test again.

For advice on driving and motorcycle riding best practice, including details of IAM RoadSmart’s training courses on effective speed management and practical tips on vehicle checks, visit www.iamroadsmart.com.

Life in the fast lane?

Pensioners have more penalty points than young drivers

There are more than 304,000 pensioners (over 65s) currently driving on UK roads with penalty points on their licence, nearly 25 times the number of young teenage drivers – of which there are just over 12,000 with penalty points.  

The findings, which came from a Freedom of Information (FOI) request to the DVLA by the UK’s largest independent road safety charity – IAM RoadSmart – also revealed that the oldest person driving with points on their licence was 102 while there are more than 3,000 over the age of 90 currently driving with penalty points.

Overall, there are more drivers in their 30s with penalty points than any other age range (575,029), closely followed by those in their 40s (572,238) and then by those in their 50s (568,511). The highest single age with the greatest number of people with points was 49 (63,248).

Additional findings from the FOI discovered that there is up to 8,800 people still driving with more than 12 points – the amount at which you are disqualified – while the highest number of penalty points currently held by one individual is 68.  

Neil Greig, IAM RoadSmart Director of Policy & Research, said: “The findings from our Freedom of Information request are surprising. Speeding and other motoring misdemeanours are often associated with younger drivers but the findings clearly show there is a large number of older drivers also flouting the rules.

“Regardless of age, the message we need to get through is that road safety is paramount and we urge drivers of all ages to stick to the speed limits and ensure their vehicles are in a roadworthy condition.

“We also urge government to urgently revisit the issue of drivers with more than 12 points who still have not had their licences revoked. IAM RoadSmart has been raising this issue for almost a decade now and the problem still persists.

“It’s not by chance that certain drivers amass 12 or more points and they need to be removed from the public roads. By letting them keep their licence it undermines the simple “four strikes and you’re out” message and this urgently needs to be addressed.”