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April 28, 2017
There has been a lot of speculation and confusion about the new speeding fines and laws that have come into effect today. Claims of higher fines, and higher consequences can be daunting for young drivers, and a lot of what has been put out formally isn't the easiest to understand, so we're breaking it down for you here, so it's clear how you might be affected.

So, what would it mean if you were caught speeding? 

B and C speeding fine
B and C speeding fines are issued to anyone speeding at 51mph or above in a 30mph limit - for example - will face a fine of  150% of their weekly income and 6 penalty points on their driving licence, or potentially being disqualified from driving for up to 56 days. In the event that you are disqualified, you'll need to apply for a new license before you begin driving again.
Band C fines are the most severe fines in the new legislation, due to the higher risk that they impose on the driver and other motorists - so for someone earning around £21,000 - Which amounts to around £600, if you're issued the minumum 150% fine. 

Band B speeding fine
A Band B speeding fine would be issued if you were perhaps doing between 41-50mph in a 30mph zone, which would mean a fine equivalent to the previously upper limit, - 100% of your weekly income (£400 if earning £21,000) - and 4-6 penalty points on your driving licence, or disqualification from driving for up to 28 days.

Band A speeding fine
A Band A speeding fine would be appropriate if you are caught speeding between 31-40 in a 30mph zone, and you can expect to receive a fine equivalent to 50% of your weekly income (£200 if earning £21,000), and 3 penalty points on your driving licence.
By way of comparison, the average speeding fine handed out in 2015 was just £188.

Disqualification from driving vs penalty points
If you're caught driving at a speed that warrents a Band B or C speeding fine, the magistrates might consider that your speeding offence is too serious for only issuing penalty points on your license, due to how far you were over the limit. In this case, you may be disqualified from driving for a period of time instead of being getting 6 points.

If you've already got a few points here and there, you might be thinking that it would be better to be disqualified from driving for a short period. This is especially true if you've only had your license for less that two years, which would mean that a Band B or C fine could lead to the six point threshold to have your license revoked for two years. This means you would have to pass your theory and practical test again to get it back, on top of a fine that could take out half your wages - not what you want at all.  


In comparison, a two-ish month fine doesn't seem so bad, however magistrates are aware of this potential 'loophole' for young drivers. So it's very unlikely that they'll merely ban you for a short time instead of issuing the penalty points, especially if you had previous records for driving over the speed limit.

All in all, it's now worse than ever if you're caught driving over the speed limit, and it's especially bad when you take into account the danger that you are potentially putting yourself and other drivers in. Not only could you cause a terrible crash, but you'd be a decent few quid out of pocket and at risk of losing your license altogether which all things considered, is not worth the unnecessary speed. 

If you'd like any advice on your speed, or how to keep your speeding down - contact InsureOk today.