Joanne2010: Surely you're going to need the insurance after your test too?
No licence 3-6 points and up to £1000 fine. No insurance 6-8 points and up to £5000 fine. Possible disqualification. Huge insurance premiums in the future. Mother convicted of aiding and abbetting. Death by Dangerous Driving up to 14 years in prison, unlimited fine, knowing you've killed someone.
Yes. Penalty points will stay on your licence a minimum of 4 years. You will also have 9 points on your provisional licence when you reapply, meaning any more points and you will lose it again. (12 points or over and you will be required to go to court).