How long would it take for a new driver with 10 penalty points to return to base premium?

The correct duration for a new driver with 10 penalty points to return to their base premium is typically 3 years. This timeframe is generally set in the insurance industry as a standard period for penalty points to remain on a driving record, after which they may no longer impact insurance premiums.

During these 3 years, the driver is expected to demonstrate safe driving habits, which can eventually lead to a reduction in their perceived risk by insurers. Once the penalty points are expunged from their record, the driver can start qualifying for lower premiums, assuming there are no further violations.

While other durations mentioned like 1 year, 5 years, and 10 years may represent different contexts or conditions relevant to driving records, they do not align with the standard 3-year period for penalty points to lapse in most insurance assessments.