Everyday Driving Mistakes That Can Cost You Points (and Pounds)
New detection technology is changing road policing
Why it matters for your safety and your insurance premiums
Most of us know the obvious rules of the road, don’t speed, don’t drink and drive, always wear your seatbelt.
But some everyday slip-ups can still earn you fines or penalty points. And while the fines may sting, the points on your licence could also push up your insurance premium, depending on the offence.
Here are some real Highway Code rules and penalties that catch people out.
1. Overloading Your Car or Van
That tip run or flat-pack furniture haul might seem harmless, but piling too much into your car can put you over its Maximum Authorised Mass (MAM).
Penalty: Graduated fixed penalties:
5–9% over → £100
10–14% over → £200
15%+ over → £300
Source: DVSA graduated fixed penalties
2. Carrying an Unsecured Load
Boxes flying around the back seat aren’t just annoying — they’re dangerous. Loads must be properly restrained.
Penalty: £100 fine + 3 penalty points if insecure.
Source: GOV.UK load security guidance
3. Driving Without a Clear View
If your car is so full you can’t see behind you, you could be fined. The law says you must maintain full control and view of the road.
Penalty: Up to £1,000 fine.
Source: Highway Code Annex 5 – Penalties
4. Tyre Tread Depth
It’s easy to forget to check, but the legal minimum tyre tread for cars is 1.6mm across the central three-quarters of the tyre.
Penalty: Up to £2,500 fine per tyre and 3 penalty points.
Source: GOV.UK tyre safety guidance
5. Seatbelt Offences
Whether you’re driving or a passenger, if a belt is fitted, it must be worn.
Penalty: Up to £500 fine.
Source: Highway Code Annex 5 – Penalties
6. Using a Mobile Phone While Driving
Even stopped at the lights, if you’re not parked, touching your phone is illegal.
Penalty: Up to £1,000 fine and 6 penalty points (or £2,500 in larger vehicles).
Source: Highway Code Annex 5 – Penalties
7. Out-of-Date Licence Details
Moved house? Don’t forget to update your driving licence address with DVLA.
Penalty: Fine of up to £1,000.
Source: Change your address with DVLA
8. Parking on the Pavement
In London, parking on the pavement is banned under Highway Code Rule 244. Councils can issue fines, usually around £70 (£35 if paid quickly).
Outside London, it’s only illegal where local councils have banned it with signs.
Source: Highway Code Rule 244
9. New Drivers Losing Their Licence
If you’ve passed your test within the last two years, you need to be extra careful.
Penalty: Reach 6 points and your licence will be revoked, meaning you’ll need to retake both theory and practical tests.
Source: DVLA – New driver rules
Why Points Matter
While fines are frustrating, it’s the points on your licence that can cause longer-term headaches. Insurers often see them as a sign of higher risk, so your premiums could rise.
So before you load up for the tip run, ignore those worn tyres, or grab your phone at the lights, remember: even small everyday choices can cost you points and pounds.
