What is the totting up ban?
The totting up ban is when you commit more than one driving offence within three years. When this happens, the penalty points you receive for each violation are accumulated. And should you accrue twelve points within this time, you will face a driving disqualification for a minimum period of six months.
This accrual of points is otherwise known as ‘totting up’.
How long does a totting up ban stay on your driving licence?
Should you be found guilty of totting up points and receive a ban, it will stay on your driving licence for four years.
Exceptional hardship to avoid a driving disqualification.
To do this, you must prove, on the balance of probabilities, that a ban would result in one or more of the following:
- A loss of career
- A loss of a career that is vital to the health and safety of others
- Financial hardship
- A threat to the employment and job security of others (your employees)
- A restriction on your mobility if you have severe health problems
- A restriction on commuting, like being unable to work due to lack or improper access or service of public transport
How long does a driving ban affect insurance?
If you’re disqualified from driving, you must inform your insurance company right away as you no longer hold a valid licence and are in breach of contract. And it can affect what you pay for a minimum of five years as this is usually the period of time an insurer will ask you about.
Driving without insurance is not an option. If you do, and you are caught, you could face a maximum fine of £5000, 6 points on your licence or a driving ban.
Why legal advice is essential.
Your best chance of avoiding a totting up ban is speaking to a road offence specialist, like us, Keep My Driving Licence.
Because our solicitors have a vast amount of experience of representing clients accused of road traffic offences. Not only will they review your case, but they will also give you the best representation possible.
Need advice from a motoring offence specialist?
If you’ve totted up 12 points or more, it’s not the end of the road. You may have grounds for exceptional hardship and Keep My Driving Licence can defend you.