If im not on the insurance policy who will a speeding ticket effect?

Often the make, model and the license plate comes up on record of the insured vehicle and that may have an effect. Also some insurances do not cover non-named drivers on the policy so essentually if the cops run the insurance to see if it is an active policy (which is being done more frequently) and you're not listed, you may have to release the car to the cops, making the rates go up.