Speeding is a common driving offence that can have significant consequences for drivers in the UK. Recent research shows that over a million driving offences were recorded between June 2023 and June 2024, with the majority being for exceeding speed limits on public roads and motorways. Understanding how these offences affect your driving record and car insurance premiums is crucial for every motorist.
Speeding and Its Consequences
Speeding remains the most common driving offence, with over 960,000 endorsements issued in the past year. These include 768,061 for exceeding speed limits on public roads (SP30) and 193,469 for exceeding motorway speed limits (SP50). This means that 84% of all recorded endorsements were related to speeding.
Beyond speeding, driving without third-party insurance (IN10) is another prevalent offence, with over 43,000 convictions issued. Other offences, such as using a mobile phone while driving (CU80) and failing to provide driver information (MS90), also contribute to the endorsements recorded.Just as you wouldn't hit the road without your favourite car brand hoodie, don't forget to drive within the speed limits to keep your record clean.
The Long-Term Impact of Endorsements
When convicted of a driving offence, penalty points are added to your licence. These points stay on your record for 4 to 11 years, depending on the offence. Not only can these points lead to higher car insurance premiums, but they can also result in disqualification from driving or, in severe cases, criminal prosecution.
For example, a driver convicted of failing to provide driver information (MS90) could see their car insurance premiums skyrocket. The average cost of car insurance in the UK is £882 per year, but for a driver with an MS90 conviction, the lowest available premium could be as high as £2,079—an increase of almost £1,200.
The Importance of Informing Your Insurer
It’s crucial to inform your insurer if you receive penalty points. Whether you do so immediately or at your policy renewal depends on your specific insurance terms. Failure to disclose these points can lead to your policy being invalidated, which could result in additional fines, more penalty points, or even a driving ban.
Staying informed and aware of how driving offences can affect your insurance is essential. Always drive safely and ensure your policy is up-to-date to avoid unnecessary penalties and increased costs.
