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Speeding fines have changed but how does it affect you?

Speed camera

In April 2017 the government introduced stricter rules for England and Wales to punish speeding motorists and reduce speeding on British roads. So how will they affect you as a driver?

What are the old rules?

Drivers caught speeding used to face a fine of at least £100 and three points on their licence. The maximum fine a driver can receive is 100% of their weekly wage up to £2500.

What’s changed?

Despite the minimum fine staying at £100, the new laws that are now in effect mean drivers caught speeding could potentially be fined up to 175% of their weekly wage up to £2500.

How will this be measured?

The severity of the offence will be defined by three different bands, A, B and C. Depending on how fast you’re travelling will determine which band your offence would be.

Band

 

Speed (MPH above speed limit)

Fine (% of your weekly wage)

A

1-10

25%-75% and 3 to 6 points

B

11-21

75%-125% and 3 to 6 points

C

21+

125%-175% and 3 to 6 points

In some cases, drivers could receive a disqualification from driving as well as fine.

Tips for safer driving

Now that the laws have changed, read our tips to help you drive safer

  • If there’s streetlights it’s most likely a 30mph zone.
  • In built up areas with streetlights, the general rule is it’s a 30, unless there is a sign telling you otherwise. This is a good guide to follow as it means you will be moving at a safe speed through busy areas.
  • 40-50 mph roads aren’t usually on a built up area but may have hidden bends or junctions/roundabouts so they may not be appropriate for national speeds limits.
  • 60 mph is the national speed limit for cars on a single carriageway. The key rule to remember is that if there’s no central reservation, you’re on a single carriageway.
  • 70 mph is the national speed limit for cars on a dual carriageway and motorway. 

Know your limits

You may be well informed of the speed limits on local roads especially the ones on your way to work or to your local town. However, if you’re driving to a new city or going on holiday you may not be as confident. Some roads differ in terms of their limits and this can be misleading. Ensure you check these online so you are prepared for the road you are travelling on. You can also take a sat nav, as this will also give you a guide.

If you’re not sure, slow down

Sometimes it’s easy to miss a speed limit sign especially if you’ve not been on a particular road before. We’re all guilty of it and although it’s easy to think ‘It’ll be fine at 65 on a dual carriageway’, however this may not be the case. There’s no harm is slowing down until you see the next sign, just to be on the safe side!

Give yourself more time

If you’re running late, you’re more likely to rush and potentially speed. This is probably one of the biggest causes of speeding and it can be avoided. Leaving earlier can help give you more time to drive carefully. Although it may seem like common sense, leaving that extra 5 minutes earlier could give you that breathing time you need to not rush.

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We’re currently experiencing a high volume of calls into our contact centre and whilst we are doing our very best to maintain service levels, we ask that you only call our contact centre if absolutely necessary so we can keep our phone lines available  for vulnerable customers and those who don’t have access to online services.

If you need to check any details or make a change to your policy, please  log in to your Self-Service Centre. It will be much quicker for you to make changes to your policy online at the moment. Once logged in, you can also use our Webchat service which is available Monday- Saturday 8am-6pm and Sunday 10am-4pm to make changes, accept or decline your renewal or if you need to let us know about a claim. To log in, please click here.

We also have some other information that may be useful. Click here to read our FAQ’s, and information on what we are doing to support key workers can be found here.

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