This is when you commit one of the violations detailed under the offence codes below. Offence codes CU10 to CU80 must stay on a driving licence for 4 years from date of offence.
| Penalty code | Offence committed | Penalty points |
| CU10 | Using a vehicle with defective brakes | 3 |
| CU20 | Causing or likely to cause danger by reason of use of unsuitable vehicle or using a vehicle with parts or accessories (excluding brakes, steering or tyres) in a dangerous condition | 3 |
| CU30 | Using a vehicle with defective tyre(s) | 3 |
| CU40 | Using a vehicle with defective steering | 3 |
| CU50 | Causing or likely to cause danger by reason of load or passengers | 3 |
| CU80 | Using a mobile phone while driving a motor vehicle | 3 |
Totting-up penalty points
Remember, the more penalty points you tot up, the more impact it will have on your bike insurance. Also, if you build up 12 or more penalty points within a period of three years, you’ll be liable to be disqualified under the totting-up system. This is shown on your licence as TT99.
Guilty? Accept the Fixed Penalty
If you know that you’re guilty of an offence and you’re offered a Fixed Penalty, then we’d recommend that you accept this rather than trying to wheedle out of it. Yes, your licence will be endorsed with the minimum number of penalty points (don’t forget to inform your bike insurance provider) but, in our experience, the fine is likely to be far less than the costs incurred if you go to a court and are found guilty.
Got driving offences and looking for value for money bike insurance?