They couldnt push premiums up for doing 32 in a 30, they arnt accurate enough. Youd have to be doing 40 before they could even think of it
However im not sure they even check speed, maybe check not going over 70 because that is the highest speed limit. The gos isnt accurate enough to know if your on a motorway at 70 an urban road next to it.
And fair enough, i think its there for the first few years as a realistc option to help young people afford the insurance. It halfed my 2nd best quote. Its also a great incentive when driving, i know that my actions will be reviewed which will help me drive more carefully, (not that im one of the stupid youths!)
It also is peace of kind for more parents, if it experiences hard breaking they get a call to phone me to make sure im ok. It can also be used to find pcation of ar if stolen