Compare SP10 Car Insurance – Goods Vehicle Speeding

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  • Get insurance after an SP10 speeding conviction.
  • Special coverage for goods vehicle speeding offenses.
  • Compare SP10 insurance for drivers with speeding convictions.

What Is an SP10 Conviction?

An SP10 conviction happens when a driver goes over the speed limit while driving a goods vehicle. This includes vehicles like lorries, vans, and HGVs, which have different speed limits compared to regular cars.

A SP10 speeding conviction can lead to 3 to 6 penalty points. This will stay on your driving licence for four years from the date of the offence. If the case goes to the Magistrates' Court, you could be fined up to £5,000. In the Crown Court, the fine might be unlimited.

SP10 Conviction Penalties

Offence Penalty Points Fine Licence Endorsement Duration
SP10 – Exceeding goods vehicle speed limits 3 - 6 Up to £5,000 (or unlimited in Crown Court) 4 years

Fact: Vehicles that weigh over 7.5 tonnes can only go a maximum of 50 mph on single lanes and 60 mph on highways. This is lower than the usual vehicle speed limits.

How an SP10 Conviction Affects Car Insurance

A SP10 conviction means that a driver is seen as a higher risk. This can lead to higher insurance costs. Insurance providers might raise their rates because they are worried about careless driving and future claims statistics.

Why SP10 Convictions Increase Insurance Costs

  • Increased insurance costs – Speeding in larger, heavier vehicles makes accidents more serious.
  • Fewer insurance choices – Many insurance companies won't cover drivers with SP10 convictions.
  • Less coverage available – Some insurers only provide third-party insurance, leaving out comprehensive options.

Estimated Insurance Cost Increase for SP10 Convictions

Conviction Type Monthly Premium Before Conviction (£) Monthly Premium After Conviction (£) Percentage Increase
Standard Driver (No Convictions) £40 - £90 £40 - £90 No increase
SP10 – Exceeding goods vehicle speed limit £50 - £100 £90 - £200 80% - 150%
SP20 – Exceeding speed limit for type of vehicle £50 - £100 £90 - £200 80% - 150%
SP30 – Exceeding statutory speed limit on a public road £50 - £100 £100 - £200 80% - 150%
SP40 – Exceeding passenger vehicle speed limit £60 - £110 £110 - £220 90% - 180%
SP50 – Exceeding speed limit on a motorway £60 - £120 £120 - £250 100% - 200%

Fact: If a SP10 to SP50 conviction causes a driving ban, your insurance costs might go up by as much as 250%.

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How Long Does an SP10 Conviction Affect Insurance?

A SP10 endorsement stays on a driving record for four years. However, insurance companies consider it when calculating premiums for up to five years.

Timeframe Impact on Car Insurance
1 - 4 Years Conviction remains on driving licence, increasing premiums.
4 Years DVLA removes endorsement from the licence.
5 Years Many insurers stop considering SP10 convictions in pricing.

Fact: According to the Rehabilitation of Offenders Act, an SP10 conviction will be spent after five years. This means that some insurance companies may not include it in their quotes anymore.

SP10 Conviction and Dangerous Driving – Are They Related?

A SP10 speeding conviction differs from a dangerous driving offence, but in some cases, excessive speeding can escalate into dangerous driving under UK law.

  • If you drive much faster than the speed limit, police can charge you with dangerous driving instead of giving you a simple SP10 conviction.
  • If you also use a mobile phone or act recklessly, the penalty can increase. This may lead to losing your driving licence.
  • A conviction for dangerous driving is much more serious. It can result in higher fines, longer licence endorsements, and possibly jail time.

Fact: Courts decide penalties by looking at how fast the driver was going, the road conditions, and the driver's behaviour when the offence happened.

Short-Term Car Insurance for SP10 Convicted Drivers

Drivers who have an SP10 conviction might find it hard to get affordable yearly insurance. This makes short-term convicted driver insurance a good choice.

  • Great for drivers who need short-term insurance while getting a long-term policy.
  • Can be for as short as 1 day, ensuring drivers are legally insured.
  • Might offer third-party or full comprehensive coverage, based on the provider.

Tip: Some insurance companies provide pay-as-you-go insurance. This type of insurance can help lower the cost of your insurance after a speeding conviction.

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How to Reduce Car Insurance Costs After an SP10 Conviction

A SP10 conviction will raise your insurance costs. However, drivers can find ways to get cheaper car insurance.

Three Ways to Lower Car Insurance Premiums After a SP10 Conviction:

  • Look at different insurance providers – A group of insurers can give you good rates even with a speeding conviction.
  • Pick third-party fire and theft coverage – This is a less expensive option than full coverage.
  • Drive safely – Keeping a clean driving record for a while can help reduce your premiums.

Tip: Some insurance companies lower your insurance rates after you drive without any offences for three years.

Choosing the Best Level of Cover for an SP10 Conviction

Choosing the right level of cover is important for SP10 convicted drivers. This helps them manage their insurance costs better.

Level of Cover Best For Cost Impact
Third-Party Only Cheapest legal option but covers only damage to other vehicles £
Third-Party, Fire & Theft Adds protection for fire or theft of your own vehicle ££
Fully Comprehensive Covers your own car as well as third parties £££

FAQs About SP10 Car Insurance

Yes, insurance premiums might be higher. However, using a panel of insurance providers can help you get better rates.

The impact can change based on the vehicle type. Bigger vehicles, such as HGVs, might lead to larger fines and higher insurance costs.

Yes, if you have several speeding offences, insurers will raise your premiums a lot.

A SP10 endorsement stays on your driving licence for four years. However, insurance companies might consider it for five years.

Speed awareness courses are usually for minor speeding offences. They are not provided for speeding offences related to goods vehicles.

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Page last updated on: 24/03/2025

Page reviewed by: Shay Ramani

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