Why could my policy be cancelled for speeding?

Although we're not responsible for enforcing speed limits, we do take our moral responsibility to help our drivers be safe very seriously. Speeding is one of the biggest factors in fatal crashes, so it's also a big factor in our policies that revolve around driving behaviour.

When you buy insurance from us, you agree to the policy terms. These include driving in a safe way.

Speed warnings are sent when patterns in your driving behavior suggest that you regularly exceed the speed limit. These notifications are not always tied to a single event but may reflect overall driving habits. Notifications are intended to encourage safer driving and prevent potential policy cancellation.

Repeated speeding shows a normalised behaviour. We'll give you plenty of feedback and time when it comes to more minor speeding, but continued speeding could indicate that you're a high-risk driver. You will typically receive an email notification as a warning for minor events, as a reminder to monitor your speed and improve your driving behavior.

If we do ask you to leave us, this may be because it's an engrained habit and this makes you a high risk driver. You'll receive an email notification with five days to cancel the policy voluntarily, which means you don't need to declare the cancellation to your next insurer.

If we have to cancel the policy, you do have to declare the cancellation - which can make finding affordable insurance much harder.

This is the kind of speeding that would get you prosecuted - a seriously dangerous event. We can't ignore this kind of wilfully dangerous behaviour, even if it's not repeated.

If we consider an event dangerous enough, we'll ask you to leave us. You still get five days to voluntarily cancel, without having to declare a cancellation to your next insurer.

Everyone named on the policy has the same responsibility to drive the insured vehicle safely. Your device doesn't know who's driving, but even if it did, your insurance is to cover the vehicle and how it's driven by the people named on your policy.

If we ask you to leave us because of speeding, you have five days to cancel your policy before the set cancellation date. This helps you secure affordable insurance in the future, because you don't have to declare you've had a policy cancelled.

You can cancel your policy by starting a chat in your app.

If you have evidence of an error in your data (like proof of a new speed limit for the location- Evidence could include a photo of the sign with the speed limit on that road), we're very happy to look into the issue. While errors in speed data are extremely rare, we never want to treat you unfairly and will always investigate. If you believe the recorded speed limit is incorrect, chat to us with any evidence. We will review any data to confirm the correct road speed and if the wrong limit was posted, the record can be corrected.

This might be if your vehicle is stolen or it's being tested by a mechanic. We ask that you let us know in advance if your vehicle is going to the garage, just in case someone drives your vehicle dangerously. If you want to tell us that someone else is going to be driving your vehicle to carry out repairs , just provide us with a letter from the garage with the dates it's booked in and we'll review that.

However, if someone else, like another driver or someone you've given permission to drive has driven your car dangerously and we've notified you about cancellation, as anyone driving your vehicle is required to follow the same terms and conditions on your policy, which includes sticking to speed limits and driving safely, the decision to overturn a cancellation will not be upheld.

Your driving feedback score reflects your overall driving habits. A policy cancellation for speeding is based on specific dangerous events, not your overall score.

We look at extreme or repeated speeding separately from your feedback score (which only updates once a week), so you could be asked to cancel your policy even if your latest driving feedback is good.

We take asking someone to leave very seriously, and only do so after a careful review of the data. Our decision is final, unless you have evidence that proves you or a named driver were not responsible, or that a speed limit was incorrect.

Every driver gets five days' notice if they need to leave us. This gives them time to cancel their policy voluntarily and secure insurance elsewhere. We'll send an email, which typically include details such as the date, time, and the location of the recorded event.

We try to provide warning about risky driving before it becomes a serious issue, but in the event of extremely dangerous behaviour, we will proceed straight to the five days' warning. Automated app messages and text notifications are sent, ensuring drivers are aware of any issues.

What should I do when I receive a speeding warning?