Try not to go over 90 too..
Sometimes, especially if the road is very quiet Ill creep up to nearer 100...
When I recieved my 3 points last month
I was doing 94, and I was told by the coppers:
below 85: and I would have got a warning,
85-95: fixed penalty (which I got),
95-100: Court summons but no ban
100+: Court summons and almost certainly a ban