Even if you received the lowest fine possible which are 3 points and a £60 fine the long term effects are never really considered or explained to people in full, so they never understand the gravity of the penalty they just received. The fact of the matter with any fine is this will have a lasting impact both financially and in bringing you one step closer to being banned under the 12 point totting up rule. This is the way penalty points work and how long they are accounted for.
• 3 years on your license as being active counting towards the totting up rule.
• 4 years in total on your license for police records
• 5 years for any car insurance policy you take out.
So yes this will definitely affect your insurance in a number of ways because for every year of the 5 years since you receive the points you`ll have raised insurance premiums. I had 6 points on my license and the payments went up significantly. There have been reports of premiums rising by anything up to 100% due to speeding points issued to drivers by fixed speed cameras and the police force. The worst case scenario would be a totting up ban which means if you are issued 12 points within any 3 year period then this in most cases is classed as an instant 6 month ban. This is even less for new drivers up to 2 years who only have 6 point to play with when the totting up ban comes in to force. If you have been banned from driving at all it’s a whole new level of insurance payments a bit like being 17 years old again and starting from scratch. It has been estimated that there are over 1 million people in Britain very close to receiving a 12 point totting up ban. See your not one of them by preparing yourself with the tools needed to prevent yourself being caught out using both preventive measures and knowledge of what to do if you do get pulled over or flashed.
