Compare SP30 Car Insurance – Public Road Speeding Offences

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  • Get car insurance if you have an SP30 speeding ticket.
  • There is special cover for speeding on public roads.
  • You can compare car insurance options for drivers with an SP30 conviction.

What Is an SP30 Conviction?

A speeding conviction called SP30 occurs when someone drives too fast on a public road. This is a common speeding offence in the UK. It affects all motorists, including those driving cars, motorcycles, and vans.

An SP30 endorsement adds 3 to 6 penalty points to your driving licence. It will be on your record for four years from when the offence happened. Insurance companies view drivers with an SP30 conviction as a higher risk. Because of this, car insurance costs are typically higher.

SP30 Conviction Penalties

Offence Penalty Points Fine Licence Endorsement Duration
SP30 – Exceeding statutory speed limit on a public road 3 - 6 Up to £1,000 (£2,500 on a motorway) 4 years

Fact: A driver can lose their driving licence if they get 12 or more penalty points in three years. This is part of the system called totting-up.

How an SP30 Conviction Affects Car Insurance

A speeding offence, such as an SP30, can change your car insurance quotes. Insurance companies view speeding convictions as a sign of risky behavior.

  • Higher car insurance costs – Drivers with convictions may pay up to 150% more for their insurance.
  • Fewer policy choices – Some insurance companies will not provide coverage for drivers with an SP30 mark.
  • Third-party only coverage can be pricier – Many insurance companies charge more for third-party policies for convicted motorists.

Estimated Insurance Cost Increase for SP30 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: A driver who has an SP30 conviction may see their insurance costs go up by 80% to 150%. This rise in cost depends on how serious the offence is.

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How Long Does an SP30 Conviction Affect Insurance?

An SP30 endorsement stays on your driving record for four years. But insurance companies may use it to set your premium 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 SP30 convictions in pricing.

Fact: The Rehabilitation of Offenders Act says that an SP30 conviction is no longer counted after five years. This means that some insurance companies might not consider it when they give you quotes anymore.

SP30 Car Insurance Cover Options

Choosing a good insurance policy can help you reduce your car insurance costs after an SP30 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: A policy that only pays for other people's claims isn't always the cheapest choice. Some insurance companies might require higher payments. They may consider drivers with past convictions to be a bigger risk.

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How to Reduce Car Insurance Costs After an SP30 Conviction

Drivers with an SP30 conviction can lower their insurance costs by following these steps:

  • Compare convicted driver insurance providers – A group of insurers can give you good rates.
  • Take a speed awareness course – Sometimes, doing a speed awareness course instead of getting penalty points can help reduce your insurance costs.
  • Opt for black box insurance – Some insurers provide black box insurance to help convicted drivers prove they drive safely.

Tip: Some insurance companies lower your premiums after three years if you do not have any more offenses.

FAQs About SP30 Car Insurance

Yes, insurance premiums will cost more. A group of insurance providers can help you get the right policy.

An SP30 conviction remains on your driving licence for four years. But, insurance companies may look at it for as long as five years.

Serious speeding offenses or having several driving convictions can cause you to lose your driving privileges.

Yes, the rise in premium can vary. It depends on the type of vehicle and how the insurer judges its risk.

No, the SP30 endorsement is valid for four years. However, insurers can reduce premiums over time if you have a clean driving record.

Yes, if a named driver has an SP30 driving conviction, the insurance company could raise the total car insurance premium. Some insurers might not provide coverage if a convicted driver is on the policy. It is important to mention all driving convictions when you apply for car insurance.

Yes, some insurance companies might offer affordable insurance to drivers with an SP30 traffic offence if they finish an advanced driving course. This shows that the driver is more aware of the road and acts more responsibly. However, not every insurance company considers these courses. So, you should compare different insurance providers before choosing a policy.

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Page last updated on: 24/03/2025

Page reviewed by: Shay Ramani

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