Compare SP50 Car Insurance – Motorway Speeding Offences

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  • Specialist cover for speeding offences on the SP50 motorway
  • Get insurance after an SP50 conviction
  • Compare car insurance for drivers with SP50 convictions

What Is an SP50 Conviction?

An SP50 conviction happens when a driver goes over the speed limit on a motorway. This is one of the most common driving convictions in the UK. Motorways have a set speed limit of 70 mph for cars, and this limit is lower for some commercial vehicles.

A SP50 endorsement adds 3 to 6 penalty points to your driving licence. This stays on your licence for four years from the date of the offence. You may face fines up to £2,500, a driving ban, and higher car insurance rates, depending on how serious the offence is.

SP50 Conviction Penalties

Offence Penalty Points Fine Licence Endorsement Duration
SP50 – Exceeding the motorway speed limit 3 - 6 Up to £2,500 4 years

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

How an SP50 Conviction Affects Car Insurance

A speeding conviction for going over the limit on a motorway can greatly affect your car insurance. Insurance providers see speeding on motorways as dangerous driving.

  • Higher insurance premiums – A driver with an SP50 endorsement might face a rise in premiums by 100% to 200%.
  • Fewer insurance policy options – Some car insurance providers do not cover drivers with an SP50 conviction.
  • Stricter terms and conditions – Some insurance providers may only give third-party, fire & theft cover instead of full coverage.

Estimated Insurance Cost Increase for SP50 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 conviction for SP50 can raise your insurance costs by as much as 200%. This makes it one of the costliest speeding offences in the UK.

How Long Does an SP50 Conviction Affect Insurance?

An SP50 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 SP50 convictions in pricing.

Fact: According to the Rehabilitation of Offenders Act, an SP50 conviction is no longer counted after five years. This means some insurance companies may not include it in their quotes.

SP50 Car Insurance Cover Options

Drivers who have an SP50 conviction can pick from different kinds of insurance policies:

Level of Cover Best For Cost Impact
Third-Party Only Covers damage to other vehicles; cheapest legal option £
Third-Party, Fire & Theft Adds protection for fire or theft of your vehicle ££
Fully Comprehensive Covers your vehicle and third parties £££

Fact: Some insurance companies ask for more money for third-party policies. This is because convicted drivers have a higher risk profile.

How to Reduce Car Insurance Costs After an SP50 Conviction

Drivers who have an SP50 conviction can reduce their insurance premium by following these steps:

  • Compare convicted driver insurance providers – Some companies focus on high-risk drivers.
  • Consider black box insurance – Telematics plans can show you practice safe driving.
  • Take a speed awareness course – A speed awareness course can lower your insurance costs in some cases.

Tip: Some insurance companies lower premiums after three years if a driver has no more offences.

FAQs About SP50 Car Insurance

Yes, but insurance costs will go up. Working with a group of expert insurers can help you find a budget-friendly plan.

An SP50 conviction stays on a driving licence for four years. However, insurance companies might consider it for up to five years.

Severe speeding offences or repeat driving convictions can sometimes lead to losing your driving licence.

Yes, the increase in premium can change based on the type of vehicle and how the insurer assesses the risk.

The SP50 endorsement lasts for four years. However, insurers can lower premiums during that time if you have a clean driving record.

An SP50 driving offence does not stop a driver from taking a driving test. However, if this conviction results in a driving ban, the driver needs to apply for a new driving licence. They must also pass any tests that are required before they can drive again.

Yes, it can vary based on several things. Picking a black box car insurance policy, raising your voluntary excess, and keeping a good driving record can help lower the cost of your insurance over time.

An SP50 motoring offence happens when you speed on the motorway. Other offences, like careless driving or using a mobile phone while driving, can lead to more penalties. These penalties might include fines, driving bans, or higher insurance costs. The number of points on your license and how serious the conviction is will affect how insurers see the risk.

The best way to find cheap car insurance after an SP50 conviction is to compare quotes from special insurers. These insurers provide policies that are made for drivers with convictions, which can help lower the cost of your insurance.

The time an SP50 conviction affects drivers can be different. The conviction code stays on a licence for four years. However, insurance providers may look at it for up to five years. This can change premium rates during that time.

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Page last updated on: 21/03/2025

Page reviewed by: Shay Ramani

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