SP30 is ?

Speeding !

It used to be true that insurers totally ignored one speeding offence - under pressure from the government they started loading premiums even for one speeding offence - but so many people have been unlucky enough to get one speeding ticket that this has become the new base premium.

under pressure from the government they started loading premiums even for one speeding offence

If that's true, it is outrageous. Premiums are suposed to be calculated on actuarially determined risk+margin, not on disapproving tuts from brake.

Well yes - but this is the real world - government does at least as much "work" behind closed doors as legislation in parliament.

Co-Op will be monitoring your speed via the black box so no need to punish you for one speeding offence.

Our young driver policy is up for renewal tomorrow. £550 last year dropping to around £450 as we achieved an excellent rating. Renewal came in at £425, but that is based on an average score so could drop further this year. Of course we don't have the cost of the black box to pay this year so we would expect a drop.

However, we have moved to LV as we wanted to include business use and will add my 17yo on his provisional licence in a few weeks. Those changes brought the Co-Op premium up to LV's. The advantage of LV is no black box, although I haven't told my 18 yo son he's not being watched.