Compare Speeding Conviction Car Insurance (SP10-SP50)

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  • Get unique coverage for SP10, SP20, SP30, SP40, and SP50 offences.
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  • Find car insurance even if you have an SP10, SP20, SP30, SP40, or SP50 conviction.

What Is an SP Conviction?

An SP conviction is related to speeding offences. These are among the most common driving offences in the UK. The punishment can vary based on how serious the offence is. Drivers may receive a fixed penalty notice (FPN), a court summons, or penalty points on their driving licence.

Speeding Conviction Codes and Penalties

Conviction Code Offence Penalty Points Licence Endorsement Duration
SP10 Exceeding goods vehicle speed limits 3 - 6 4 years
SP20 Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles) 3 - 6 4 years
SP30 Exceeding statutory speed limit on a public road 3 - 6 4 years
SP40 Exceeding passenger vehicle speed limit 3 - 6 4 years
SP50 Exceeding speed limit on a motorway 3 - 6 4 years

Fact: A driver can lose their license if they get 12 or more penalty points within three years.

How an SP Conviction Affects Car Insurance

A speeding conviction can have a big impact on car insurance rates. This is mainly true for drivers who receive multiple endorsements.

How Speeding Convictions Affect Insurance Providers' Risk Assessment:

  • Higher insurance rates – Speeding drivers are considered more risky.
  • Fewer options for insurance – Some companies might not offer coverage.
  • Restricted types of coverage – Many insurers only give third-party fire and theft, not full coverage.

Estimated Insurance Cost Increase for Speeding 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 - £180 60% - 100%
SP30 – Exceeding statutory speed limit on a public road £50 - £100 £100 - £200 80% - 150%
SP50 – Exceeding speed limit on a motorway £60 - £120 £120 - £250 100% - 200%

Fact: Drivers can skip penalty points by taking a speed awareness course. This choice is only open for minor speeding offences.

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How Long Does an SP Conviction Affect Insurance?

A speeding offence conviction will stay on your driving record for four years. But insurance companies may look at it when deciding your premiums for up to five years.

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

Fact: A speeding conviction that leads to a driving ban can really raise your insurance costs.

Speeding Convictions and UK Road Safety Laws

A speeding offence can also be included in other driving offences. Here are some examples:

  • Careless driving – Speeding can be very dangerous. It is even worse if it causes injury.
  • Failure to stop at a red light – You can get a speeding ticket for not stopping at red lights when you should.
  • Using a mobile phone while driving – If you speed or use a mobile phone while driving, you could face extra fines.

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How to Reduce Car Insurance Costs After a Speeding Conviction

A speeding conviction will make your insurance costs go up. But, drivers can still find ways to reduce their premiums.

Three Ways to Lower Insurance Costs After an SP Conviction:

  • Compare insurance providers – A group of insurance companies can offer you good rates, even with a driving conviction.
  • Choose third-party fire and theft coverage – This option costs less than full coverage.
  • Drive responsibly – A clean driving record over time can help lower your premiums.

Tip: Some insurance companies may reduce your premiums if you do not have any other offences for three years.

FAQs About Speeding Conviction Car Insurance

Yes, the cost of insurance will be more. You can find a better price by looking at quotes from specialist insurers.

Speeding offences can happen with any type of vehicle. But, SP10 and SP40 convictions are for certain types. These types include goods vehicles and passenger vehicles.

Yes, insurance companies will increase your premiums a lot if you have many speeding offenses.

Some insurance companies feel that speeding on the motorway (SP50) is not as serious as speeding at lower speeds, like SP30 or SP40. The lower-speed offences usually happen in riskier areas.

Taking a speed awareness course can prevent penalty points from being added to your driving record. This can keep your insurance costs low.

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Page last updated on: 24/03/2025

Page reviewed by: Shay Ramani

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