Have you ever not too long ago been caught dashing? If that’s the case. you’re not alone, based on analysis performed by Uswitch automobile insurance coverage.
Out of the entire 1,141,283 offences recorded between June 2023 – June 2024, a complete of 961,530 endorsements had been issued for exceeding pace limits on public roads or motorways (SP30 and SP50).
The third most typical offence was driving with out third-party insurance coverage, with simply over 43,300 convictions issued, highlighting the significance of making certain your coverage is legitimate and up-to-date.
| Penalty code | Variety of endorsements |
| SP30 [Speed limits]: Exceeding statutory pace restrict on a public street | 768,061 |
| SP50 [Speed limits]: Exceeding pace restrict on a motorway | 193,469 |
| IN10 [Insurance offences]: Utilizing a car uninsured in opposition to third get together dangers | 43,340 |
| CU80 [Construction and use offences]: Breach of necessities as to regulate of the car, comparable to utilizing a cell phone | 27,764 |
| MS90 [Miscellaneous offences]: Failure to provide info as to id of driver, and many others | 25,888 |
So, exceeding pace limits on a public street or motorway accounted for 84% of all endorsements with penalty factors added.
When somebody is convicted of a driving offence, their driving licence is ‘endorsed’ with penalty factors that stay on their document for 4 or 11 years, relying on the severity of the offence.
The factors can enhance insurance coverage premiums and end in driving disqualifications and even legal prosecution in main circumstances.
“Penalty factors can enhance insurance coverage premiums, and the way a lot they enhance is dependent upon the severity of the offence, the variety of factors you obtain and whether or not the motive force has current penalty factors on their licence,” defined Uswitch automobile insurance coverage professional, Leoni Moninska.
“For instance, the typical value of automobile insurance coverage is £882 per 12 months, however the lowest out there annual premium for a driver convicted of failing to provide info as to the motive force’s id (MS90) is £2,079, nearly £1,200 greater than the typical annual coverage.
“Should you obtain penalty factors it’s vital you inform your insurer. Whether or not you inform them immediately or at renewal is dependent upon the coverage phrases and situations.
“Failing to tell your insurer can invalidate your coverage which subsequently ends in additional penalty factors, a high-quality and the danger of being banned from driving.”
