Do you remember passing your driving test?

Do you remember passing your driving test? Forget the feeling of new-found independence or the relief at no longer having to fork out for lessons - do you remember how you drove during the test?

You will have religiously checked your mirrors before signalling and manoeuvring. You will have kept both hands on the steering wheel. You will have driven within the speed limit.

Speeding is casually brushed aside as a socially acceptable crime. Why else would research carried out by the Department for Transport have shown that 81 per cent of drivers recorded at nine sites across the country in 2016 broke 20mph limits? The same report also shows 53 per cent of drivers exceeding the speed limit on 30mph roads. It's the same reason that the only road in Britain on which the vast majority of drivers respect the limit are those equipped with average speed cameras.

Named after the 'safety cars' that slow speeds on a race track following a crash, America has seen the formation of a 'pace car' programmes. In an effort to reduce speeding and encourage safe driving, resident pace car drivers agree to drive courteously, at or below the speed limit, and follow other traffic laws. Programmes usually require interested residents to register as a pace car driver, sign a pledge to abide by the rules, and display a sticker on their vehicle. Although it's clearly perverse to have otherwise law-abiding people signing pledges to stay within the law, it doesn't take too many vehicles driving within the speed limit for the most of the fleet to be slowed.

Our collective 'drive at a speed you can get away with' attitude costs us dear. It's not just about the five people killed every day on the roads - although God knows that's bad enough. Speeding doesn't simply kill and injure many thousands; the pollution, noise and fear it creates makes our cities, towns and villages unpleasant places to be as well as unsafe. It's just one of the reasons that as drivers we have a civic, legal and moral responsibility to drive safely and within speed limits.

Just remember the way you drove when you passed your test.

Ethical insurance

The ETA has been named ethical in Britain.

Beating household-name insurance companies such as John Lewis and the Co-op, we earned an ethical company index score of 89 – earning us joint-first place with Naturesave.

The ETA was established in 1990 as an ethical provider of green, reliable travel services. Twenty seven years on, we continue to offer home insurance, cycle insurance, travel insurance and breakdown cover while putting concern for the environment at the heart of all we do.