But is there any way to find out between these two letters?
Say for example you have a company car, where company also pays insurance. You probably don't care how many points you have so long as it's under 12. So you may not be really keeping track of those letters. If you leave company and buy own car, you suddenly have to buy insurance and insurance company will be asking how many points you have.
There must be some way to ask. Is there?