A woman driver from West London accumulated 42 penalty points last year without losing her driving licence, according to the IAM. The points were all for failing to disclose the identity of the driver.
The IAM is quoting figures published by the DVLA. Of the top 20 highest licence-points holders, only two are women.
The second-highest points total (36) went to a man from Warrington who was caught driving without insurance six times in less than two weeks.
Other notable offenders include: a man from Southend-on-Sea (30 points) who was caught speeding 10 times; a man from Blackburn (29 points) who was caught speeding eight times in two months; and a man from East Sussex, (24 points) who was caught speeding six times in just two weeks.
Failing to give the identity of the owner, speeding, and driving uninsured are the most common reasons for acculmulating points.
Simon Best, IAM chief executive, said: “It’s really disappointing to see that this issue has not yet been resolved.
"DVLA and the Courts Service are upgrading their computer systems to ensure that offence information is shared more efficiently, but this is not due to be in place until October. When drivers with 10 speeding offences are getting away with holding a licence, these improvements cannot come quickly enough.
"The IAM has no sympathy for owners who refuse to reveal the identity of the driver, and we would welcome an urgent consultation on new ways to deal with this problem.
"Drivers must expect that 12 points means a ban or the whole system falls into disrepute.”