One UK driver has 172 penalty points, but no ban

Britain’s streets are under siege, and not just from congestion and pollution: thousands of drivers are repeatedly breaking the law without facing meaningful consequences.

DVLA data reveals over 10,000 UK motorists hold a valid driving licence despite having at least 12 points. One 26-year-old driver has an eye-watering 176 points to his name and yet has not been banned.

This isn’t just an anomaly - it’s emblematic of a deeper crisis on UK roads. Normally, accumulating 12 or more points within a three-year period leads to a driving ban under the totting-up system. However, drivers can avoid bans by arguing the loss of their licence would cause exceptional hardship, such as jeopardising their employment or ability to care for family members. Unfortunately, it’s a loophole that reduces the deterrent effect of a ban.

The figures highlight the need for systemic change. Repeated offenders must fear the prospect of real consequences. What other incentive is there for motorists to drive within the law?

In an era where road safety campaigns all too often victim-blame pedestrians and cyclists, the onus seems to fall too lightly on those posing the greatest threat: drivers who repeatedly flout the law.

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A different approach to traffic law enforcement

In the UK, traffic enforcement efforts can feel fragmented or arbitrary, which undermines the effectiveness of penalties like licence points and fines.

By contrast, law enforcement within Sweden’s pioneering Vision Zero system is part of a strategy that combines infrastructure, enforcement, education, and a system of shared responsibility.

This creates a culture where safety isn’t just about avoiding punishment, but ensuring everyone can use the roads safely. For us here in the UK, adopting a similar model could mean more consistent enforcement and accountability, reducing the discretionary allowances that sometimes keep dangerous drivers on the roads.

Sweden’s approach places strong responsibility not just on road users but also on policymakers, planners, and vehicle manufacturers, creating shared accountability. Whereas traditional systems often rely on blaming individuals (such as pedestrians or cyclists) for their “lack of awareness” or “failure to follow rules,” Vision Zero takes a more proactive approach. By combining enforcement with roads engineered for the local speed limit, the likelihood of dangerous driving is reduced.

The ethical choice

The ETA was established in 1990 as an ethical provider of green, reliable travel services. Over 30 years on, we continue to offer cycle insurance , breakdown cover  and mobility scooter insurance while putting concern for the environment at the heart of all we do.

The Good Shopping Guide judges us to be the UK's most ethical provider.

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