Compare SP20 Car Insurance – Vehicle Speed Limit Offences

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  • Get car insurance if you have an SP20 speeding conviction.
  • Look for special coverage for SP20 speed limit offenses.
  • Compare car insurance options for drivers with an SP20 conviction.

What Is an SP20 Conviction?

An SP20 conviction happens when a driver speeds above the limit for their type of vehicle. This rule is for vehicles that are not goods or passenger vehicles. Examples are motorcycles, small vans, and special cars, each having their own speed limits.

A SP20 endorsement will add 3 to 6 penalty points to your driving licence. It will stay on your licence for four years, starting from the date of the offence. If the offence is serious, you may face a driving ban. You could also get a fine of up to £5,000 if your case goes to Magistrates' Court.

SP20 Conviction Penalties

Offence Penalty Points Fine Licence Endorsement Duration
SP20 – Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles) 3 - 6 Up to £5,000 4 years

Fact: Speed limits can change depending on the type of vehicle. A motorcycle may have a higher speed limit than a light van, even though they are on the same road.

How an SP20 Conviction Affects Car Insurance

An SP20 speeding conviction shows that drivers are at a higher risk. This can cause insurance costs to go up. Insurers consider this when setting prices.

  • Type of vehicle – Larger or heavier cars may feel more dangerous.
  • Severity of the offence – A big speeding ticket can lead to a driving ban, which can raise insurance costs.
  • Previous driving record – Drivers who have had traffic problems in the past might have to pay higher rates.

Estimated Insurance Cost Increase for SP20 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: Insurers may ask for higher premiums if you have an SP20 conviction and a dangerous driving offence.

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How Long Does an SP20 Conviction Affect Insurance?

A SP20 conviction will stay on your driving record for four years. Insurance companies often take it into account when figuring out rates 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 SP20 convictions in pricing.

Fact: Some insurers will reduce premiums after three years if there are no more offences.

Choosing the Right Level of Cover for an SP20 Conviction

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

Fact: Policies that only cover third-party damages are not always the cheapest option. Insurance companies often charge more for drivers considered high risk.

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How to Reduce Car Insurance Costs After an SP20 Conviction

Drivers with an SP20 conviction can lower their insurance costs by following these tips:

  • Compare insurers for drivers with convictions – A group of providers can offer you better prices.
  • Choose a third-party fire and theft policy – This is a cheaper choice than full coverage.
  • Drive safely – A good driving record can help lower costs in the long run.

Tip: Insurers may lower your premiums if you have three years of safe driving without any tickets.

FAQs About SP20 Car Insurance

Yes, the insurance costs will be more. However, you can look for a group of insurance providers. This can help you find a better deal.

An SP20 conviction stays on a driving licence for four years. But, insurers may consider it for five years.

Severe speeding violations can cause you to lose your licence. This is more likely if you have other traffic tickets too. It doesn't happen every time, but it can be a big deal.

Yes, the increase in premiums can vary depending on the type of vehicle and how the insurer assesses risk.

The SP20 endorsement is good for four years. Insurers might reduce your premiums over time if you keep a clean driving record.

Yes, having an SP20 motoring conviction can raise your insurance premium a lot. Insurers see insurance for convicted drivers as a higher risk. This means you will pay more for coverage.

If you got a speeding ticket for your SP20 and you were using your mobile phone, insurers might see it as careless driving. This could raise your insurance premiums even more. Also, if distracted driving played a part in an accident, it may change the event of a claim.

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Page last updated on: 24/03/2025

Page reviewed by: Shay Ramani

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