The Root

The official blog of Carrot Insurance

9 May 2017

Road safety: are you aware of the much tougher new speeding fines?


Think of what you earn in a week, then times that figure by seven. What does it come to? This is technically what a driver could now be fined if sentenced for speeding under the most serious category of much tougher new laws that kicked in on April the 24th. Yes, ouch.

Okay, maximum fines will still be capped at £1,000 (rising to £2,500 on motorways) and this is an extreme example from Band F, not from what are expected to be the most common offence bands of A to C, but you get the point. Speeding is always a stupid, dangerous thing to do and will now hit drivers harder in cash terms.

Over an 18-month period to around September last year, Carrot’s team issued formal excessive speed warnings to 2,154 customers and we’re really proud of the 65% who positively changed their driving behaviour for the better. Well done.

Still, as a young and newly-qualified driver insurer that cares deeply about making roads safer one journey at a time, we thought we ought to blog about the new speeding fines on The Root, in case anyone has missed this news recently on our social accounts or elsewhere. After all, new drivers who receive 6 or more penalty points within 2 years of passing their driving tests will lose their licences. Speed limits are there for a reason.

The new speeding fine bands

Band A • fines range from 25 to 75% of a driver’s weekly income
drivers will typically also receive 3 licence penalty points

Band B • fines range from 75 to 125% of a driver’s weekly income
drivers will typically also receive 4 or 6 licence penalty points
or be disqualified from driving for between 7 and 28 days

Band C • fines range from 125 to 175% of a driver’s weekly income
drivers will typically also receive 6 licence penalty points
or be disqualified from driving for between 7 and 56 days

New UK speeding fines sentencing guidelines weekly income combined table

Some examples

Speeding 26mph in a 20mph zone, like near a school or in a built-up residential area, is a Band A offence and could see you fined by upto 75% of your weekly pay plus given 3 driving licence penalty points.

Driving at 68mph on a 50mph country road comes under Band B and might land you a find of upto 125% of your weekly income along with between 4 and 6 licence penalty points plus disqualification for 7 to 28 days.

It’s clear to see that two ‘minor’ speeding convictions under Band A could still see you lose your licence and driving freedom.

Carrot Insurance telematics young drivers blog - road safety new speeding fines April 2017 bands

Other reasons why speeding just isn’t worth it

  • It uses more fuel, meaning less money to spend on fun stuff
  • Drivers who speed or overtake riskily often get stuck at the same traffic lights as everyone else
  • Speed-bumps and potholes are more damaging to your car
  • Carrot customers will get a poor driving style score and could get their insurance cancelled

Playing our part

Existing New Driver and Better Driver policyholders, along with their parents or guardians, already know how much we care about road safety here at Carrot Insurance. Our ‘carrot, not stick’ approach to insuring young and newly-qualified drivers means that we proactively engage with our customers, giving them as many pointers and as much encouragement as possible to earn rewards and treats while improving their driving style and keeping themselves and others safer.

Whether you’re a parent/guardian or one of our young or newly-qualified driver customers, we’d love to hear from you on Twitter or Facebook if you have any questions or comments about the new speeding fines.


Oliver Hammond

Written by Oliver Hammond

Oliver is an established freelance motoring writer, published journalist and automotive copywriter based in Manchester. He regularly reviews cars and covers events and launches as editor of petroleumvitae.com and his articles appear in various magazines each month. No relation to Richard from Top Gear, he’s got a weakness for luxo-barges, proper 4x4s and oddball cars.