Accumulating 12 or more penalty points on your driving licence within three years triggers what is known as a totting up ban — a period of disqualification under the Road Traffic Offenders Act 1988. For many drivers this comes as a shock, particularly where the points have built up gradually across several separate offences. This guide explains exactly how the totting up system works, when a ban becomes inevitable, and — crucially — whether anything can be done to avoid it.

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