Hastings Direct.

Important - Coronavirus update

In line with guidance from the Government and to help look after our colleagues, we now have a limited number of staff in the office. During this time, we're committed to supporting you in the best way we can. We'll be here throughout to keep you updated so make sure to check back regularly.

  • At this time, please help us to prioritise essential calls by using our online services.
    • If you're a car customer you can use MyAccount or the app to make policy changes or payments, including changing your payment date, checking your documents or to report or track a claim (MyAccount only).
    • If you're a home, bike or van customer, or for any customers wishing to cancel their insurance, please use our online forms.
  • If you do phone, we will only be able to deal with your query if:
    • You're in a vulnerable situation or an NHS or frontline health┬ácare worker who can't easily access our online services, or
    • You are worried about making future payments, or
    • Your policy is due to renew in less than a week and you're concerned the policy is no longer suitable for you, or
    • You need to make a claim and your vehicle is un-driveable or if you need urgent roadside assistance.
  • For all other queries, including buying a new policy, please first read our Coronavirus FAQs for the latest advice and how to use our online services.
  • Our opening hours have changed to: Monday to Friday 9am - 6pm, Saturday 10am - 2pm and Sunday Closed. If do you need to call us, please bear with us as it may take us longer to answer your call. We're sorry for any inconvenience this causes you.

Read our Coronavirus FAQs

What happens when you're caught speeding

It can happen to anybody, no matter how careful you are as a driver. You're driving along a 30mph road and you don't realise you're actually going slightly over the limit at 31mph. Then there's a flash in your rear view mirror. But what actually happens when you're caught speeding? What are the repercussions? Penalties range from a fine and points on your licence to increased insurance costs and a ban from driving, so it's important to understand the consequences. Here's what to expect and when, and how to deal with the fine when it hits your doormat.

Image of a speed camera.

The camera flashed, will you definitely get a ticket?

There are some reports that claim not all cameras are fully operational, but it's impossible to know if this is actually true. Rather than relying on this as a fact, we suggest the safest way to avoid getting a ticket is to stay within the speed limit at all times.

Is there any leeway?

The National Police Chief's Council (NPCC) recommend police officers use their discretion when drivers are only a few miles over the national speeding limits. But this is only a recommendation and, in the eyes of the law, you're liable for a speeding ticket as soon as you exceed the limit. If you do 71mph in a 70 limit, you're breaking the law.

Did you know?

  • Almost one in six UK motorists have been caught speeding in the last 5 years.
  • 92% of us consider ourselves good drivers.
  • 65% of us admit to breaking the 70mph speed limit.

Source: www.moneysupermarket.com

What happens next?

The police have 14 days to issue a notice of intended prosecution (NIP). If you don't hear anything within this time, it's likely nothing will happen. But get legal advice if one arrives after the 14 day period — just ignoring it could result in prosecution and penalty points. The NIP will be sent to the registered keeper of the car, so bear this in mind if you drive a company car.

The least you will get is a £100 fine and penalty points. You'll get 28 days to pay the fine and the points will then be issued. If you don't reply within this timeframe, you could end up going to court. Very serious offences, such as motorway speeding, will be referred to court automatically and you could face an instant ban from driving.

Disqualification from driving

Penalty points, also known as endorsements, will stay on your driving licence between 4-11 years depending on the offence. If you collect more than 12 points in any three year timeframe, you could find yourself without a licence and be disqualified from driving. You can check how many points you currently have on your licence at gov.uk. You must always tell your insurer about any points you have, as this will affect the price of your premium. If you don't do this, your policy could be cancelled and your increased premium could be backdated to the date you got the points.

Can you appeal?

To appeal, you need to be pretty certain you can prove there's been a mistake. Common defences are if the NIP has incorrect details of the alleged offence (typos and spelling mistakes don't count) or if you can prove you weren't driving. Arguments like 'I didn't know I was speeding' won't be accepted.

Always bear in mind that if your appeal isn't successful, the fine is likely to be far higher than your original fine.

Car insurance

At Hastings Direct, we try to keep insurance costs as low as possible. You can choose from our range of policies, and tailor the policy to suit your needs. If you have points on your licence you may be better suited to a SmartMiles policy, as the black box technology will help you measure your driving style and speed.

Get a quote today and see how much you could save.

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