Look at it this way,
If someone else is unfortunate enough to get caught breaking the speed limit, they are seen, rightly or wrongly, as an increased risk to the insurance companies. Whether they take the points or a speed awareness course is irrelevant. I would prefer that the insurance companies boost the premiums individually rather than all of us collectively.
Our insurance premiums are rising because of our Blame/Claim culture that has developed in recent years. The insurance companies are using a blanket premium approach to this, increasing what all of us pay. At least in this particular case they are targeting the guilty parties.
I would rather see more focus on the practice of hugely inflated costs for vehicle hire, in which, it is alleged, the insurance companies appear to be working hand in glove with certain agencies to maximise profits.
I would also like to see a similar approach taken to the excessive fees that are implemented when you change your bike haflway though the year. The banks were taken to task over unreasonable costs, and had to reign them in, so surely the same standards should apply to the insurance companies. It does not cost £45 to change a detail on a computer.
The government needs to investigate the insurance industry carefully, especially vehicle insurance. We all have the choice about life, house, health insurance, but we are mandated by law to take out vehicle insurance, and it is that element that needs serious regulating.
At the end of the day, if you don't like what your insurance company is doing, take your business elsewhere.