Compare SP40 Car Insurance – Passenger Vehicle Speeding

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  • Get car insurance after an SP40 speeding offence.
  • Special cover for SP40 convictions on passenger vehicles.
  • Compare SP40 car insurance to save money.

What Is an SP40 Conviction?

An SP40 conviction is given when a driver goes over the speed limit in a passenger vehicle. This offence includes cars, taxis, minibuses, and other vehicles that carry passengers and have set speed limits.

A SP40 endorsement adds 3 to 6 penalty points to your driving licence. It stays on your licence for four years from the date of the offence. Depending on how serious the incident is, you might also get a driving ban. Insurers may also raise your insurance premium because they see you as a higher risk.

SP40 Conviction Penalties

Offence Penalty Points Fine Licence Endorsement Duration
SP40 – Exceeding passenger vehicle speed limits 3 - 6limits Up to £2,500limits 4 yearslimits

Fact: If a driver goes a lot over the speed limit, they might get a court summons instead of a fixed penalty notice (FPN).

How an SP40 Conviction Affects Car Insurance

A driving conviction, like an SP40, affects insurance costs. Insurers see convicted drivers as higher risk.

  • Insurance companies can raise premiums by 80% to 180%. This change depends on how serious the offence is.
  • A driving ban that comes from an SP40 offence can lead to even higher insurance costs.
  • Drivers listed on a policy with an SP40 conviction might face increased insurance rates as well.

Estimated Insurance Cost Increase for SP40 Convictions

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

Fact: Some insurance companies charge more for premiums related to SP40 convictions than those for SP30 offences. This is because speeding in a passenger vehicle is seen as a higher risk to road safety.

How Long Does an SP40 Conviction Affect Insurance?

A SP40 endorsement stays on a driving record for four years. However, insurance companies take it into account when calculating premiums for up to five years.

Timeframe Impact on Car Insurance
1 - 4 Yearslimits Conviction remains on driving licence, increasing premiums.limits
4 Yearslimits DVLA removes endorsement from the licence.limits
5 Yearslimits Many insurers stop considering SP40 convictions in pricing.limits

Fact: The Rehabilitation of Offenders Act says that an SP40 conviction is no longer counted after five years. This means that some insurance companies may not include it when giving quotes.

SP40 Car Insurance Cover Options

Drivers with an SP40 conviction have several options for insurance policies:

Level of Cover Best For Cost Impact
Third-Party Onlylimits Minimum legal cover; only protects other road userslimits £limits
Third-Party, Fire & Theftlimits Adds fire and theft protection for your vehiclelimits ££limits
Fully Comprehensivelimits Covers your vehicle and third partieslimits £££limits

Fact: Although third-party only cover looks like the cheapest choice, it can actually cost more for drivers with convictions. This is because they have a higher risk profile.

How to Reduce Car Insurance Costs After an SP40 Conviction

Drivers who have an SP40 conviction can do these things to reduce their insurance premium:

  • Look at convicted driver insurance providers – Some companies focus on high-risk drivers.
  • Think about black box insurance – Telematics plans can show good driving habits.
  • Take a speed awareness course – Some insurers give discounts for drivers who complete a speed awareness course after a conviction.

Tip: Some insurance companies lower premiums after three years if a driver does not have any more offenses.

FAQs About SP40 Car Insurance

Yes, insurance premiums will be higher. However, using a group of specialist insurers can help you find affordable cover.

A SP40 conviction stays on a driving licence for four years. However, insurance companies might consider it for up to five years.

Severe speeding offenses or several driving convictions might sometimes result in losing your driving privileges.

Yes, but the rise in premium may change based on the type of vehicle and the insurer's risk assessment.

The SP40 endorsement stays on your record for four years. However, if you have a clean driving record, insurers might lower your premiums over time.

Yes, if you have an unspent conviction, it can affect the price of your car insurance. This means you might pay more for your premiums. A specialist broker can help you find insurers that cover SP40 motoring offences.

An SP40 driving offence stays on a licence for four years. However, insurers may consider it for as long as five years. The amount of time a conviction impacts your insurance depends on the insurer’s risk assessment.

Some insurance companies might limit who can get comprehensive policies. This often happens for drivers with a criminal record or a speeding conviction code. Instead, these drivers might only be given third-party fire and theft coverage. This option usually comes at higher rates.

The only exception is if a driver can show that their conviction was a mistake. Another exception is if a special insurer provides policies that do not penalise certain offences. But most insurers will raise the cost of cover after a driving offence.

The Financial Conduct Authority (FCA) makes sure that insurance companies charge fair prices and have clear policies for insuring drivers with convictions. Choosing an insurer regulated by the FCA can help you avoid high penalties for an SP40 motoring offence.

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Page last updated on: 21/03/2025

Page reviewed by: Shay Ramani

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