penalty points removal date
Discussion
The difference is that it's 3yrs from for the date of offence until they don't count for totting up purposes whereas it's 4yrs until they can be removed from your licence, which was more relevant when endorsements were actually written on your licence. Nowadays they just disappear from your online driving licence record.
For insurance purposes you normally have to declare them for 5 years from the date of offence but that is down to the discretion of the insurance company.
For insurance purposes you normally have to declare them for 5 years from the date of offence but that is down to the discretion of the insurance company.
Edited by cuprabob on Wednesday 12th February 22:25
In terms of insurance, I always wondered how they would know if you don't declare points that are between 4-5 years old. I had this with an employee, I checked his license online and it came back clean. However, I double checked with him and he had points dating back just over 4 years ago. I was honest with the insurers but it did get me thinking, if they simply don't exist any more how would they know?
8IKERDAVE said:
In terms of insurance, I always wondered how they would know if you don't declare points that are between 4-5 years old. I had this with an employee, I checked his license online and it came back clean. However, I double checked with him and he had points dating back just over 4 years ago. I was honest with the insurers but it did get me thinking, if they simply don't exist any more how would they know?
They would have a record of when you declared them before. Jumpingjackflash said:
The uk public getting ripped off again. If the government removes points after three years then the insurance companies should not take points into consideration after three years.
Why is it ripping people off? Insurers use whatever information they can to understand the risk they are taking on, based upon their past experience (eg their analysis must show a statistical relationship between points in the last 5 years and the likelihood of a claim). Conversely, those without points in the last 5 years are less likely to claim. So not taking this into account would be ‘ripping off’ those without points.Jumpingjackflash said:
The uk public getting ripped off again. If the government removes points after three years then the insurance companies should not take points into consideration after three years.
If they have stats to show drivers with points 3-5 years old have a worse claims record than those who don't, why is it a rip off to charge them more? The govt legislation is that convictions don't disappear completely until 5 years, under the rehabilitation of offenders act. So the govt doesn't "remove" points after 3 years. DVLA remove them after 4, and they don't count them for totting up after 3.
TwigtheWonderkid said:
If they have stats to show drivers with points 3-5 years old have a worse claims record than those who don't, why is it a rip off to charge them more?
The govt legislation is that convictions don't disappear completely until 5 years, under the rehabilitation of offenders act. So the govt doesn't "remove" points after 3 years. DVLA remove them after 4, and they don't count them for totting up after 3.
They never "disappear completely." That's nonsense. The govt legislation is that convictions don't disappear completely until 5 years, under the rehabilitation of offenders act. So the govt doesn't "remove" points after 3 years. DVLA remove them after 4, and they don't count them for totting up after 3.
agtlaw said:
TwigtheWonderkid said:
If they have stats to show drivers with points 3-5 years old have a worse claims record than those who don't, why is it a rip off to charge them more?
The govt legislation is that convictions don't disappear completely until 5 years, under the rehabilitation of offenders act. So the govt doesn't "remove" points after 3 years. DVLA remove them after 4, and they don't count them for totting up after 3.
They never "disappear completely." That's nonsense. The govt legislation is that convictions don't disappear completely until 5 years, under the rehabilitation of offenders act. So the govt doesn't "remove" points after 3 years. DVLA remove them after 4, and they don't count them for totting up after 3.
Many offences are never spent under the ROOA.
TwigtheWonderkid said:
Sure, if you're applying for a job with MI5 or similar. But for most of us, once a conviction is spent under the RoOA, if asked about it, you don't have to disclose it.
Many offences are never spent under the ROOA.
DVLA does not “disappear completely” records after any period.Many offences are never spent under the ROOA.
Go to court and DVLA records from 10, 20, 30+ years ago may be adduced if relevant. The more serious the allegation, the more likely the prosecution will want to adduce historic matters.
Separately, taxi driver, teacher, lawyer, nurse, accountant, etc, etc, etc. The 1974 Act does not apply. MI5. Ffs.
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