The premium increases that you will incur depend on a number of factors.
Points remain on the Super Licence for a period of twelve months before they are removed. When taking out a Car insurance policy you will need to declare your conviction for at least five years, for most insurers. Does 12 points mean an automatic ban? No driver has so far reached the twelve point maximum.
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This is not one of those times.
Driver penalty points can increase your insurance premiums.
Driving at night is dangerous and requires more skills and concentration.