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.
Even if your overall driving score is gold or good, we may still ask you to cancel your policy for a single extreme speeding event or for repeated speeding over time. Your overall score reflects your average driving behaviour - it doesn't cancel out a specific dangerous event.
When you buy insurance from us, you agree to the policy terms. These include driving in a safe way.
In what circumstances could a policy be cancelled for speeding?
1. Repeated speeding over time
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.
In this case, we may ask you to leave us because it's an engrained habit. We give you 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.
2. Extreme speeding
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.
Even if you've had all good or even gold driving feedback so far, if we see unacceptable speeding, we may still ask you to cancel your policy.
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.
3. Speeding by a named driver
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.
What are my options if I get asked to cancel my policy for speeding?
1. Voluntary cancellation
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.
2. Asking us to investigate
If you have evidence of an error in your data (like proof of a new speed limit for the location), 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.
3. Providing evidence of a third party's behaviour
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.
However, if you have evidence that someone not named on your policy has driven your car dangerously after we've notified you about cancellation, we will review it. Find out more about what that evidence should be.
Got more questions about speeding cancellations?
My driving score is gold - why is my policy being cancelled?
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.
Can I prevent a cancellation once it's initiated?
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.
Will I be warned before cancellation happens?
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 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.