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There can be many reasons why a driver could get banned and disqualified from driving. We will look at some of the more common and then explore ways in which you can reduce the car or motor insurance premiums you pay.
Drink or Drunk Driving - Coded DR10 in the license. Usually this will result in a driver being banned for a minimum of 12 months or 18 months. If the driver has had previous convictions the the length of the disqualification can be increased.
Totting Up - Coded TT99 on the driving license. This conviction is normally given when a driver has more than 12 points on their license. Obviously car insurance premiums rise with this conviction.
Speeding - SP30 is the most common speeding conviction, generally car insurance companies don't load premiums for this motoring conviction on the first offence. However if there are multiple occurences then quotation prices will be higher. If normally get 3 points for a speeding fixed penalty but can get more depending on the severity of the offence. Drivers can be banned in extreme cases, or when driving license points exceed 12.
Traffic Light Offences - TS10 is the most common which is failing to stop at a red light. A fixed penalty for this driving conviction would give 3 points and a £60 fine. However each case is evaluated on its and if the case goes to court larger fines and points or even a ban can result. Obviously if a TS10 takes you above 12 penalty points this will result in a driving ban.