Dangerous Drivers Hide Penalty Points To Cut Cost Of Insurance

Number of motorists that conceal penalty points revealed, the potential consequences plus higher fines for speeders

Why offenders conceal points

Motorists that receive penalty points for committing potentially life-threatening offences fail to inform insurers in “worrying numbers” so risk invalidating their policies, RAC Insurance explained. 23%, in fact, fail to reveal convictions for ignoring rules that keep other drivers, motorcyclists, and pedestrians safe.

But why? Penalty points typically increase the cost of motor insurance – so perpetrators conceal their history to minimise expenditure. Others simply forget to come clean. Either way, there is no hiding. Insurers can confirm who is responsible behind the wheel – and who puts others at undue risk – via an online database.

The RAC further quantified the scale of the problem. 18% of survey respondents will not inform insurers if they receive points, for example. The UK has 38.5 million full licence holders, so 6.9 million might try to escape the consequences of any poor behaviour.

Consequences of failing to declare points

Mark Godfrey, RAC Insurance Director, explained: “Not declaring penalty points is a serious matter. It puts drivers at risk of holding invalid insurance as well as potentially incurring substantial penalties from the police; or even a prosecution.” He stressed that motorists must take responsibility, and also added:

“The onus is always on the person taking out an insurance to make any incident known that could influence an underwriter in calculating a premium - even if they are not requested to provide such information.” Examples include a previous claim for (say) theft, a criminal conviction or a driving conviction, Godfrey said.

He emphasised the potential consequences of falling foul. They include:

  • Additional penalty points
  • Unlimited fine
  • Disqualification
  • Destruction of vehicle

Higher fines for speeders

Also explained is that 90% of point recipients were penalised for speeding. The financial penalties of this offence increased April 24th 2017. Drivers can now be fined 150% weekly income by Magistrates' Courts throughout England and Wales (+50%). However, fines stay capped at £1,000 rising to £2,500 for motorway offences.

Drivers that risk lives for the thrill of speed, to save a few seconds or show-off receive Band A, B, or C fines. See table below.

Speed Limit In mphBand A - Vehicle Speed in mph (50% Weekly Income)Band B - Vehicle Speed in mph (100% Weekly Income)Band C - Vehicle Speed in mph (150% Weekly Income)
2021 - 3031 - 4041+
3031 - 4041 - 5051+
4041 - 5556 - 6566+
5051 - 6566 - 7576+
6061 - 8081 - 9091+
7071 - 9091 - 100101+

Further consequences include penalty points or disqualification:

  • Band A: 3 points
  • Band B: 4 to 6 points or 7 to 28 day disqualification
  • Band C: 6 points or 7 to 56 day disqualification