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Legal guide to UK motoring, sections for law enforcement, Driver licensing, learner and new drivers, buying and selling, speeding fines, owning a vehicle, wheel clamping, traffic information.

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The cost of speeding

On today's roads cars are becoming more and more powerful and available to a wider range of the motoring public. This article will look at some of the most common costs of speeding to the motorist when exceeding speed limits.

Cost of Speeding to the Motorist

When driving on the roads we all like to consider ourselves as conscientious safe drivers. In reality if we were all truthful most of us would admit to breaking the speed limits at one time or another. When we exceed the speed limits set down by law we run the risk of being punished for doing so. The most common way in which speeding in your performance cars can cost is being caught by a speeding camera or a police officer. Depending on the speed at which you are traveling you can expect a fine which can be very costly to the young driver.

The second cost of speeding when caught by a speed camera or police officer is the fact that a record of this offense is put on your licence in the form of penalty points. Again the amount of points that are issued depends on the offense but generally you can expect three penalty points for slightly exceeding the stated speed limit.

Everyone knows that car insurance premiums can be very costly, especially for performance cars. This becomes of a greater concern when a driver has penalty points on their licence as their performance car insurance can increase. Due to the fact that a driver has been caught speeding means that a car insurance company believes this driver to be a higher risk and therefore can increase their car insurance premium. A general rule is that the more penalty points on a drivers licence the higher their insurance premium can be.

Accumulation of points on your licence can also be a dangerous affair as if you exceed a certain number of these penalty points you can receive an automatic ban. The number of points for people who have been driving for over two years is up to 12 penalty points in the space of three years which result in an automatic ban. This is more serious for divers who have passed their test less than two years ago as you only have to accumulate 6 penalty points to have your licence revoked and be forced to retake your driving test.

The major cost of speeding however is the fact that when exceeding the speed limit you are significantly more likely to be involved in an accident. If you are judged to be at fault for the accident due to the fact that your were speeding not only could you lose your well earned no claims bonus (NCB) but you could have between 3 and 11 penalty points added to your licence for dangerous driving. The loss of your NCB could mean that your following years performance car insurance could rocket.

Finally the biggest cost of speeding on today's roads to the motorist is the fact that whilst speeding, as previously stated, you are more likely to be involved in an accident. This accident may not only result in damage to your car but you face a higher risk of injury and the highest cost of all death.

Speed Cameras - They're No Dummies
Information gained by one of the leading broadsheet newspapers has been released this week with some startling results. The news paper has discovered through the freedom of information act that the amount of live speed cameras in the UK is on the increase.

A live camera is a camera that actually has film to record the misdemeanour, for every live camera there are a number of dummy cameras designed to make the public slow down and become aware of their speed.

In past years if you were unlucky enough to be snapped you had a chance of avoiding a fine and the penalty points due to the fact that only 1 in 8 cameras were live. These new statistics have shown that the number of live cameras in the UK has risen to make the average ratio of live to dummy cameras 1 in 5.

The new of the increase comes as a shock to the motoring community which see the increase as just another means by the government of increasing revenue. If you are caught speeding in the UK by a camera you can expect to receive a fixed fine and penalty points added to your licence.

Leading motoring organisations believe that the number of live cameras on the roads will increase significantly further in future years. This is due to technological advances that have seen the use of digital cameras that need no film becoming increasingly popular with traffic control organisations. This will lead to more motorists in the UK being issued with penalty points which will lead to a general increase in performance car insurance prices across the country.

The problem is that the amount of fines and penalty points issued to drivers each year is on the increase and so is the government’s revenue. The ongoing argument is that the government seems to be spending more money on cameras each year and less on the physical policing of our roads. Surely the money would be better spent on police officers that can target all aspects of road crime such as drink driving and not only speeding. This could make our roads a safer place, the problem is that the government would see a sharp drop in revenue from cameras and it seems at this time they are not willing to suffer that loss.

Something has to give, cameras or the quality of policing on the roads. Unfortunately at the moment the cameras and the revenue they produce seem to be winning the battle. However if the UK’s motoring community would just slow down a little maybe we could reduce the amount of fines and penalty points handed out each year that raises our car insurance. This would help all motorists in the long run and maybe by starving the government of this revenue we could affect the shift from cameras back to physical policing of the UK roads.


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