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Car Insurance. Speeding Fines Play Havoc With Car Insurance Premiums
By Michael Challiner
Speed cameras are now a regular feature on our roads, and have successfully reduced accidents,
while raising millions of pounds in fines. Such is their prevalence, that one in four households have a
driver that has been caught speeding at least once. With the conviction comes three points on the
licence and a £60 fine – but research carried out by the AA has shown that there are more costs to
consider, and that’s on the car insurance.
The AA’s research showed that on average drivers can expect to see their premiums rise by 20% with
speeding offences, even if their driving record was perfect before. They made their findings through
mystery shopping – calling a range of eight insurance companies and giving the details of a
25-year-old and a 40-year-old to get a broad picture of the effects.
The premiums for the 25-year-old increased by an average of £42 after one driving offence, and by
£178 with two. The 40-year-old would see an average rise of £28 after one offence, and £116 after
two.
However, for the 25-year-old, only four of the insurers surveyed raised their premiums on an existing
policy because of a first speeding offence. With a second offence in the same year however, one
insurer raised the premiums from £563 to £921, another from £563 to £776. One company could not
commit to insuring the driver with a second offence.
If you are caught by a speed camera, then it is important to tell yo