Why a speed awareness course could hike up your insurance premiums

January 29, 2016 | 4years | Insurance News

Drivers who opt to attend a course, rather than accept penalty points, could be in for a nasty surprise when they inform their insurer


Most drivers realise that if you get caught speeding, you are going to be punished. In the UK, motorists committing minor offences for the first time have a choice: instead of a three-point penalty and a £100 fine they can opt to attend a speed awareness course.

Most police forces offer a course to drivers who are caught speeding between 10% plus 2 and 10% plus 9 of the legal limit. In other words, if you get caught driving between 35mph and 42mph in a 30mph zone, or between 79mph and 86mph in a 70mph zone.

The course, which takes place in a classroom rather than a car, has been developed by psychologists and aims to educate rather than prosecute motorists in an attempt to improve road safety. The courses are four hours long and aren’t much cheaper than the fine, with the typical cost being about £85. You can only attend one once every three years, which means if you offend again within that period you will have to take the points.


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