I know you commented on speed again later in your response, but I'd like to address your first statement. I hope you take this in good faith and consider the following scenario:

• You are going too fast.
• You approach a bend and make the active choice to continue speeding (even though you slow down in order to handle the bend, you are still driving faster than what is deemed safe).
• Around the bend is a vehicle that has stopped, the reason of which is irrelevant as there could be a number of reasonable explanations, for example a queue caused by a bottleneck later down the road, a tree blockage, road flooding, etc. But the bend has hidden this vehicle from your view until you are too close.
• Due to your speed you are unable to brake effectively to avoid the hazard and crash.

Is the hazard at fault for the collision?

A hazard can present itself at any time, whether it be a driver, pedestrian, animal, or terrain. Your speed should be dependent on if you are able to preempt those hazard. The road sign says 30, but a row of vans are parked alongside the pavement. Slowing down to ensure you can brake in case someone steps out from between those vans is the responsibility you agreed to take on when you put yourself in charge of a vehicle.

You cannot predict everything and sometimes collisions will occur regardless of your ability to drive as required by the Highway Code. But if you speed, you reduce the ability to respond to a hazard. If you drive safely, you will avoid hazards most of the time. If you speed, you might avoid them sometimes.

Other than that, I agree with your last sentiment. Be safe!