If you have acquired points on your licence in the past, you may want to know if they are still there.
You will need to know if you have points on your licence if you are applying for insurance, as insurers/brokers have the right to question whether you have any previous points or endorsements on your driving licence. Due to new legislation brought, which came into effect in 2013, you are legally required to answer truthfully.
Checking points on a licence
You can check the points on your licence online, with the government offering this handy tool to inform you of your driving record.
In order to view your driving endorsements online, you will need the following:
Driving licence number
You can find your driving licence number in section 5 of your driving licence photocard.
National Insurance number
Your National Insurance (NI) number is used on a number of documents, such as your payslip, P60, benefits information and tax returns. You can also find your NI number on your NI card.
The postcode that you use should be the same as the one on your driving licence.
Can insurance companies check points on my licence?
Insurers may choose to check if the information provided is correct as providing incorrect info can invalidate policies and motor insurance fraud is costing the average policyholder an extra £50 on their policy.
The DVLA can issue you a fine you if you have been found to have committed fraud on your insurance documents, this can include lying about the address on your licence.
Under the Road Traffic Act 1998, you are legally required to inform your insurer of any penalty points on your licence. This means that companies have the right to conduct a licence check on you before agreeing to provide you cover.
You can still get insurance with points on your licence, but you may find it is more expensive and not as many companies are willing to cover you.
Getting insurance having points
If you have points on your licence and are looking for insurance, Adrian Flux specialises in cover for convicted drivers.