Penalty points?

Shawn_Dark

I got 6 penalty points back in 2009... Three questions:


1) When do the points disappear (i.e. have no effect on my car insurance)?

2) Do the points get halved - i.e. go down to three points after three years?

3) When getting car insurance quotes do I put the date of conviction or date of offence?

zartub

They stay on there for 4 yrs but are only active for 3, i think personally that's because if you get pulled over by the police say in your 3rd year they can point out that you already had points on your license so you should know better ( na na na na na ) etc ( but that's just my personal opinion )

The date you put on your insurance is the date you were actually convicted because that's when they come into affect.

And no they don't get halved just come straight off after 4 years. :cool:

Sgt_Pepper_2

6 points at once?



You may find insurance companies ask about the last 5 years.

zartub

Oh yes sorry i just took it as it was. ( all 6 the same time that is )

Shawn_Dark

Sgt_Pepper wrote: »

6 points at once?

Its a long story but put short I got three points for speeding, disputed them and ended up with six.

Shawn_Dark

zartub wrote: »

They stay on there for 4 yrs but are only active for 3, i think personally that's because if you get pulled over by the police say in your 3rd year they can point out that you already had points on your license so you should know better ( na na na na na ) etc ( but that's just my personal opinion )

The date you put on your insurance is the date you were actually convicted because that's when they come into affect.

And no they don't get halved just come straight off after 4 years. :cool:

In that case can I request for them to be removed after the third or fourth year?

Aretnap

You can have them removed from your licence four years after the offence.

However you have to declare them to insurers for 5 years from the date of conviction, which is the amount of time it takes the conviction to become "spent" under the Rehabilitation of Offenders Act (assuming you gos a fine for it in addition to the points).

[Deleted User]

Abu_Yoosha wrote: »

1) When do the points disappear (i.e. have no effect on my car insurance)?

Depends on the offence.

2) Do the points get halved - i.e. go down to three points after three years?

NO.

3) When getting car insurance quotes do I put the date of conviction or date of offence?

Depends on the offence

[Deleted User]

Aretnap wrote: »

You can have them removed from your licence four years after the offence.

Or after eleven years, depending on the offence.

Shawn_Dark

SP40, 3 points, £60 fine originally. But then i disputed it, went to court and they changed it to 6 points and a £290 fine.

[Deleted User]

OK. SP40 is 4 years from date of offence.

Will need to be declared to insurance company for (usually) 5 years.