You don't need us to tell you that speeding is one of the most dangerous acts a driver can commit, and now, the government has introduced a new set of penalties to crack down on those who ignore speed limits.
Of course, if you remain safe and responsible while behind the wheel, you won't have to worry about the new speeding fines.
However, if you feel as if you need additional help to stay within the speed limits then tracker car insurance could help you drive safer to protect you and others on the road.
The data collected from a black box device can be sent to you weekly in an email so that you can see your driving behaviour and, more importantly, understand what causes you to speed in certain areas.
How are the new fines decided?
The fines are divided into three bands based on the level of offence: A, B, and C.
Band A covers minor offences, while Band C covers the most severe. The Sentencing Council has released full details of the new speeding penalties and which speeds apply to each band.
- Band A fine is for drivers who exceed the limit by 1 to 10mph (usually in lower speed limit zones)
- Band B is for those who exceed it by 11 to 21mph
- Band C is for drivers who exceed the limit by more than 21mph
Areas with higher speed limits (dual carriageways and motorways for example) have a different range of excess speeds to determine the fine.
For a 70mph zone, drivers would fall into Band A if they travel at 71-90mph, Band B if they travel at 91-100mph, and Band C if they're speeding above 101mph.
What are the penalties for each band?
Here is a breakdown of how much drivers will be fined.
- Band A: a charge of 50 per cent of weekly income and three points on the licence.
- Band B: a charge of 100 per cent of weekly income and either four to six points on the licence or disqualification from driving for 7 to 28 days.
- Band C: a charge of 150 per cent of weekly income and either six penalty points or disqualification from driving for 7 to 56 days.
The fines are based on the driver's income after tax and national insurance deductions. The law on the maximum amount someone can be fined remains the same, meaning the charge will be capped at £1,000 – or £2,500 if the speeding offence occurred on a motorway.
What other factors are considered for fines?
The above percentages are the starting points for fines, but the amount can either be reduced or increased by 25% depending on any mitigating or aggravating circumstances.
Aggravating circumstances include:
- If the driver was speeding in bad weather
- Speeding near an inappropriate location (such as a school or busy town centre)
- Speeding with passengers in the car
These factors are all considered to determine if an extra charge should be added. If a driver's speeding qualifies as a band C offence and there are aggravating circumstances, the fine could be 175 per cent of their weekly income.
If the driver has had previous speeding convictions or commits the offence while on bail, then these are known as statutory aggravating factors and are also likely to result in the 175 per cent charge.
Mitigating circumstances would be if the driver had no previous driving convictions, if they're of good character, display exemplary conduct, and if it can be proven that they were speeding because of a genuine emergency. In such circumstances the charge will be 125 per cent of weekly income.
Young and new drivers be aware
If you're a newly qualified or young driver, you should keep in mind that if you receive six or more points within two years of passing your test, your licence will be revoked.
Telematics car insurance can help you see how you're driving so that you can modify and improve your behaviour on the roads to make sure you stay safe at all times!
Do you think the new fines are an effective way of preventing speeding? Let us know what you think by tweeting us @Coverbox using the #speedingfines
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