A man from Liverpool accumulated 45 licence penalty points in November, according to figures released by the DVLA. This beats the previous record of 42 points.
The second-highest points total, 36, went to a man from Warrington, Cheshire, who was caught driving without insurance six times in less than two weeks, between 20 February and 2 March 2012.
IAM chief executive Simon Best who obtained the figures said:
"Last September, the IAM highlighted a driver with 42 points on their license and we were told that more would be done to address the issue. Incredibly, we now have someone driving with 45 points. DVLA must rapidly overall their systems and working relationships with the courts to ensure that the whole principle of 12 points and you are off the road is not undermined.
"Any suggestion that some drivers may be able to speed with impunity and then talk themselves out of a ban puts our whole approach to enforcement into question.