[MaxBarraclough]

Accumulating enough points results in suspension of your licence, it's not only about insurance costs.

[forest_dweller]

Not always. There are quite a few drivers with more than 12 points on the road.

https://www.bbc.co.uk/news/uk-england-40862975

I personally am aware of many people that were speeding at well over 100mph. When they went to the majestrate they were let off with 6 points. People get away with things that should get them a suspension all the time.