In Feb i got photo-ed by a Truvelo camera ( forward facing) whilst in a hire car in Scotland returning to the airport after a meeting, the camera was in a very sneaky place, just off a motorway junction leading onto the dual carraige way that goes from 70 to 50 to 40 in a very short distance.. I recieved the NIP and have just send off my license to be endorsed /ubbthreads/images/graemlins/frown.gif I am insured with Bell Direct, who gave me a good quote for the renewal. I called them up and told them that i have just had the endorsement and they told me they want another 180 quid!! OMG..!!! Fortunately I am still in the 14 day grace period after renewal, so told em where to stick it, and went with direct line which turned out to be 20 quid more than the Bell quote. I am stunned that having a clean licence for 10+ years then one mistake, you get penalised so much.. /ubbthreads/images/graemlins/burningmad.gif but at the end of the day I am still happy that I have got insurance for pretty much the same cost as before.