Why Compare Speeding Conviction Insurance?
Speeding Convictions and Car Insurance
- SP codes carry 3-6 penalty points and stay on your licence for 4 years from the date of offence.
- SP30 (exceeding the speed limit on a public road) is by far the most common – but all five codes affect your insurance in a similar way.
- A speed awareness course avoids points entirely and does not need to be declared to your insurer.
- Start comparing speeding conviction quotes from specialist brokers using the form above.
Who Needs Speeding Conviction Car Insurance?
Failing to declare a speeding conviction could invalidate your cover when you need it most. Here is who typically needs to declare speeding points.
Worth Knowing: A speed awareness course is not a conviction and does not add points to your licence. You do not need to declare it to your insurer unless they specifically ask about courses (most do not).
Cover Levels for Drivers With Speeding Convictions
A speeding conviction does not change the types of cover available to you. You can still choose from the same three levels as any other driver, though your insurer could adjust your price.
| Feature | Comprehensive | Third Party, Fire and Theft | Third Party Only |
|---|---|---|---|
| Damage to your own car | Yes | No | No |
| Fire and theft cover | Yes | Yes | No |
| Damage to other people’s property | Yes | Yes | Yes |
| Injury to other people | Yes | Yes | Yes |
| Windscreen repair | Often included | Rarely | No |
| Personal accident cover | Often included | Optional | No |
Please note that policy features, benefits, terms and conditions vary among insurance providers, so always check the policy wording.
Cover Tip: With a single speeding conviction, most mainstream insurers will still offer all three cover levels. It is worth comparing comprehensive against third party only – comprehensive is sometimes cheaper.
What Might Not Be Covered?
A single exclusion could mean your whole claim gets declined. Here is what to watch for with speeding conviction insurance.
- Undeclared Convictions – Your insurer may decline a claim if you did not declare your speeding conviction or points accurately.
- Driving Under the Influence – No policy covers you if you drive while impaired by drink or drugs at the time of a claim.
- Racing or Track Use – Damage from racing, rallying, or track days is not covered under standard policies.
- Wear and Tear – Normal deterioration over time is not covered. Only sudden, unexpected events count.
- Named Drivers Only – If someone not listed on your policy drives your car and crashes, your insurer may decline the claim.
- Points Accuracy – Declaring 3 points when you actually have 6 could invalidate your cover entirely. Check your DVLA record before applying.
Standard Exclusions
Important Limitations
Optional Extras Worth Considering
Your base policy covers the essentials after a speeding conviction. These optional extras could be worth adding for a bit more protection.
Cover Tip: If you are approaching 12 points and facing a potential ban, legal expenses cover could be worth having. It may help cover the cost of a totting up hearing if you need to argue exceptional hardship.
May help cover roadside assistance if your car breaks down or will not start, subject to policy limits and conditions.
May help cover your legal costs after a crash that was not your fault, depending on your policy terms.
May help cover the cost of replacing your keys if you lose them or someone steals them, subject to policy limits and conditions.
May help you get your excess back after a non-fault claim, subject to insurer acceptance criteria.
May help you claim back losses from the other driver, depending on your policy terms.
What Affects Your Speeding Conviction Insurance Price
Your quote depends on your specific code, your drivers, and how your vehicle is used. Here are the key factors that could affect your price.
| Factor | How It Could Affect Your Price |
|---|---|
| Number of Points | 3 points from a fixed penalty may have a smaller impact than 6 points from a court hearing. More points usually means a higher loading. |
| Time Since Offence | SP endorsements last 4 years. Prices could reduce as your conviction ages, especially after the first 2-3 years. |
| Total Points on Licence | A single SP30 with 3 points is very different from multiple convictions totalling 9 points. Approaching 12 points raises the risk of a ban. |
| No Claims Discount | Years of claim-free driving still count. A strong NCD could offset the impact of a speeding endorsement. |
| Vehicle Type | Lower insurance group cars cost less to insure, even with points on your licence. |
| Annual Mileage | Fewer miles could mean a lower price. If you drive less than you used to, update your mileage. |
| Where You Live | Your postcode affects your premium. Areas with higher claim rates typically cost more. |
| Age and Experience | Younger drivers with speeding points could face higher prices. More experience and a clean record going forward may help. |
Price Insight: A single SP30 with 3 points is one of the most common endorsements in the UK. Many insurers barely adjust their price for it – but some add a significant loading. Comparing quotes is the best way to find out where you stand.
How to Pay Less for Speeding Conviction Car Insurance
A speeding conviction could push your premium up, but the increase is often smaller than you expect. Here are some practical ways to keep your costs down.
Saving Tip: If you only have 3 points from a single SP30, you may find that mainstream insurers still offer competitive prices. Always compare before assuming you need a specialist.
How to Compare Speeding Conviction Insurance Quotes
Getting a quote with a speeding conviction is usually straightforward – SP codes are among the most common endorsements on UK roads. Here is how the process works. Get started above when you are ready.
What Our Expert Says
Speeding is the most common motoring conviction in the UK. SP30 - exceeding the statutory speed limit on a public road - accounts for the vast majority of all speeding endorsements. Most drivers receive 3 points and a fixed penalty of 100 pounds for a first offence.
The important thing to understand is that a single SP30 with 3 points is very different from having 9 points across multiple offences. With 3 points, most mainstream insurers will still quote you without any significant loading. But as your total points increase, your options narrow and prices tend to rise. At 9 points, you are one more offence away from a totting up ban, and insurers price that risk accordingly.
– Susan Difford, Insurance Expert & Co-founder of Clean Green Cars
Speeding Conviction Insurance Questions
How Long Does a Speeding Conviction Affect Insurance?
SP endorsements stay on your licence for 4 years from the date of offence. Most insurers ask about convictions from the last 5 years, so the impact on your insurance broadly matches the endorsement period. After 2-3 years, many insurers reduce or remove the loading entirely.
Do I Have to Declare Speeding Points to My Insurer?
Yes. You are legally required to declare any penalty points on your licence to your insurer. This includes speeding endorsements (SP codes). Failing to declare them could invalidate your policy, meaning any claim you make may be declined. Always check your DVLA record to confirm your exact points before applying.
Does a Speed Awareness Course Affect Insurance?
A speed awareness course is not a conviction and does not add points to your licence. Most insurers do not ask about courses, so it usually has no effect on your premium. However, a small number of insurers do ask – if yours does, you must answer honestly. Taking the course means you avoid the SP30 endorsement entirely.
How Many Points Do You Get for Speeding?
Speeding convictions carry 3 to 6 penalty points depending on the severity. A fixed penalty notice (the most common outcome) adds 3 points. If your case goes to court – usually for higher speeds – you could receive 4, 5, or 6 points. The court may also impose a discretionary ban for the most serious cases.
How Much Does 3 Points Increase Insurance?
The increase varies between insurers. Some barely adjust their price for a single SP30 with 3 points, while others add a noticeable loading. There is no fixed percentage. Comparing quotes is the most reliable way to find out what your points could cost.
What Happens at 12 Points?
If you reach 12 or more penalty points within 3 years, the court must disqualify you from driving for at least 6 months under the totting up procedure. You can argue exceptional hardship to avoid the ban, but this is at the court’s discretion. New drivers (within 2 years of passing their test) have their licence revoked at 6 points.
What Is the Difference Between SP10 Conviction and SP30 Conviction?
SP30 is for exceeding the statutory speed limit on a public road in a car or motorcycle – it is the most common speeding code. SP10 is specifically for exceeding speed limits in a goods vehicle (van, lorry). Different speed limits apply to goods vehicles on certain road types, which is why there is a separate code.
How Long Do Speeding Points Stay on Your Licence?
Speeding endorsements (SP codes) stay on your licence for 4 years from the date of offence. The points are “active” for the first 3 years for totting up purposes, but remain visible on your licence for the full 4 years. After 4 years, the endorsement is removed automatically by the DVLA.
What Happens After I Submit My Details?
Clean Green Cars introduces you to specialist brokers who accept speeding convictions. After you submit the form, brokers who handle your specific SP code will come back with quotes. You can compare prices and choose the cover that suits you. There is no obligation to buy, and your details are handled in line with UK data protection rules.
Speeding Conviction Codes
Each speeding conviction code applies to a different type of vehicle or road. Select a code below to find out what it means for your cover and compare quotes from specialist brokers.
Search & compare quotes from UK Speeding Conviction Car Insurance Providers
Useful Resources
Speeding laws, penalties, and speed awareness courses can be confusing. These official resources explain how the system works.
- GOV.UK – Speeding Penalties – Official guidance on speeding fines, points, and court sentencing bands.
- GOV.UK – Speed Limits – National speed limits for different vehicle types and road types.
- GOV.UK – Penalty Points – Find out when your points expire and how the totting-up system works.
- DVLA – Check Your Licence – View your current points and convictions online.
