a mis spent youth, running police cars off the road, 132 in a 60 , driving whilst disqualified etc etc. it snowballs until you realise you cant beat the system.id been driving illegally for 2 years before sitting my test so only took 1 lesson to have my bad habits pointed out and passed my test first time. im 39 now and have had no points for years. my last ban was in 1995 so doesnt need to be declared. my cossied bmw is £515 a year fully comp.