Expert Guides & Insurance Insights

A careless driving conviction is issued when a person’s driving is deemed to be below the expected standard of a reasonable and competent driver. A person can be charged with careless driving when an incident occurs due to a deliberate act, as well as an act of negligence.

More than half of drunk drivers are caught the day after drinking. It can reasonably be presumed that the majority of these drivers do not mean to break the law but rather think they have slept off the alcohol and are safe to drive the morning after.

The short answer is yes. Unfortunately, some insurers and underwriters perceive those with criminal convictions as untrustworthy and, therefore, too risky to insure.

Depending on what a driver has been convicted of, how long it stays on their licence and how long they will have to declare it to certain authorities when asked will depend on the conviction.

Technically, attending a drink-driving rehabilitation course will not reduce the cost of your car insurance premium, but it is still well worth doing. Taking a course can reduce the length of your ban, so you can get back on the road quicker.

Although the number of uninsured drivers in Britain has dropped, around 1.2 million are still on our roads, which has a detrimental impact on the cost of car insurance for everyone else. But worse still, if you are hit by an uninsured driver, knowing where to claim for damage or personal injury can be very confusing.

Simply put, ‘totting up’ is the accumulation of penalty points on your driver’s licence. If you build up 12 points within three years, you will be issued a totting up or ‘TT99’ ban.

A totting up or TT99 ban is issued when a driver has accrued 12 or more points within three years. A TT99 endorsement must stay on your licence for four years from the date of conviction. The length of a totting-up ban can vary, depending on the discretion of the court and the seriousness of the motoring offences involved.

In most instances, if you are caught driving through a red light, you will be issued with three penalty points, which must remain on your licence for four years from the date of the offence. In addition to being issued three penalty points, you will be handed a TS10 conviction code, which relates to ‘failing to comply with traffic light signals’.