How do DVLA penalty points affect car insurance premiums?

Three points for speeding can increase car insurance premiums by 5% to 15%. Six points or mobile phone offences (CU80) increase premiums by 30% to 50%, while uninsured driving (IN10) or drink driving (DR10) can double or triple premium costs.

How many points cause a driving ban (TT99)?

Accumulating 12 or more penalty points within a 3-year period results in an automatic minimum 6-month driving disqualification (TT99 totting-up ban). For new drivers in their first 2 years after passing, accumulating 6 points automatically revokes the licence.

How do DVLA penalty points affect car insurance premiums?

Three points for speeding can increase car insurance premiums by 5% to 15%. Six points or mobile phone offences (CU80) increase premiums by 30% to 50%, while uninsured driving (IN10) or drink driving (DR10) can double or triple premium costs.

How many points cause a driving ban (TT99)?

Accumulating 12 or more penalty points within a 3-year period results in an automatic minimum 6-month driving disqualification (TT99 totting-up ban). For new drivers in their first 2 years after passing, accumulating 6 points automatically revokes the licence.

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DVLA Penalty Points & Insurance Surcharge Calculator

Calculate how DVLA driving penalty points (SP30, CU80, IN10, DR10) impact your car insurance premiums and check endorsement expiry timelines.

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Insurance Surcharge Estimator

Estimate premium price increase based on conviction code

Conviction Code

Number of Points

Clean Base Premium (£)

Estimated Premium Impact:

Insurance Increase Surcharge

+10%

Extra £80 / year

New Estimated Annual Premium

£880

Base £800 + Surcharge

SP30 (Speeding on a statutory speed limit road): 3 to 6 penalty points. Endorsement remains on licence for 4 years from date of offence.

Complete Guide to DVLA Penalty Codes & Insurance Impact

When you are convicted of a motoring offence in the UK, the Driver and Vehicle Licensing Agency (DVLA) endorses your driving record with penalty points and a conviction code. Under UK insurance law, you must disclose unspent endorsements when applying for motor insurance.

Common DVLA Conviction Codes & Expiry Periods

Offence Code	Offence Description	Penalty Points	Licence Retention Period
SP30	Exceeding statutory speed limit on a public road	3 to 6 points	4 years from offence date
CU80	Using a hand-held mobile phone while driving	6 points	4 years from offence date
IN10	Using a vehicle uninsured against third party risks	6 to 8 points	4 years from offence date
DR10	Driving or attempting to drive with alcohol level above limit	3 to 11 points	11 years from conviction date

Frequently Asked Questions

Most penalty points (such as SP30 speeding or CU80 mobile phone use) stay on your DVLA driving licence for 4 years from the date of the offence. Drink driving (DR10) or drug driving endorsements stay for 11 years.

No. Under the Rehabilitation of Offenders Act 1974, once penalty points are spent (after 5 years for insurance purposes), you are not legally required to declare them to insurers.

Under the Road Traffic (New Drivers) Act 1995, if you accumulate 6 or more penalty points within 2 years of passing your first driving test, your driving licence is automatically revoked by the DVLA. You must reapply for a provisional licence and retake both theory and practical tests.