Most speeders think that the most they will get away with is a fine and points on their license, which they then nonchalantly think they can transfer onto their parents license. They do not consider the effect that speeding has on their car insurance premium. The effect is a steep rise and approximately two million motorists are caught every year by speed cameras, and will have to pay more expensive insurance for at least the next three years.

If you get caught speeding in the UK it results in a fixed fine, penalty points and ultimately an increase in car insurance premium the motorist has turned to technology to counter this. This has been done in the form of radar detectors, these detectors are readily available on today's market and allow the user to detect active speed cameras on the road legally. However a proposed change in the law could make the use of these devices illegal. The new law proposes to make all detectors that warn the driver of an active camera or actively inhibit the proper function of a speed camera illegal. The penalty for being caught carrying one of the devices on the road would be a fixed fine and up to six penalty points, and will result in a significant rise in that persons car insurance premium.

The reason behind the proposed change in the law is the fact that the police and government believe that drivers are taking advantage of this technology to speed when they know they have a minimal chance of being caught. Devices that tell the user whether or not a camera is active only promote speeding.

More than two million motorists' driving licences will be endorsed with penalty points over the next 12 months. For those of you who have completed an insurance application form, either online or off, you will know that the insurers always ask if you have had any endorsements for motoring offences within the last 5 years. Failure to disclose such a conviction could result in your insurance being invalidated. It means that any endorsement you receive will affect the insurance premium you pay every year for at least 5 years.

There is a direct connection between drivers who are serial speeding offenders and accidents, so premiums for those motorists are higher .By not declaring speeding convictions, a driver is simply making themselves look even more risky in the eyes of the insurer. Given that insurers look at the pattern of a driver's speeding offences, premiums will rise in correlation to the number of points going up. Unfortunately, those that are reprimanded this way are also damaging the premiums of honest good drivers who have to pay higher premiums as well.

One worrying piece of news came from a questionnaire by swiftcover.com which revealed that 40% of motorists thought that it is acceptable to speed on quiet roads, despite the fact that drivers with speeding convictions are more likely to have to pay more for their insurance premiums.