Our Points Advisory service exists because penalty points aren’t always as simple as they look on paper — the same 6 points can mean very different things depending on your licence type, how long you’ve been driving, and what’s already on your record.
The totting-up rule catches more drivers by surprise than any other part of the points system. Once you reach 12 or more points within a 3-year window, the court can disqualify you — and because endorsements stay visible on your licence for 4 to 11 years depending on the offence, a speeding ticket from two years ago can still count against you today.
Insurance is the other side most people underestimate. You’re legally required to declare current points to your insurer, and even a single endorsement can push your premium up noticeably at renewal — sometimes by more than the fine itself cost. Understanding exactly what your endorsement codes mean, and how long each one stays live, is the first step to knowing where you actually stand.
This service is an advisory review, not legal representation — if you’re contesting a charge or facing a court date, we’ll point you toward a solicitor rather than try to handle that ourselves. What we do is give you a plain-English read of your current points position: your totting-up risk, what you need to disclose to insurers, and how long each endorsement has left on your record.
