Why Compare Speeding Conviction Insurance?
Points Range Matters
An SP30 with 3 points is treated very differently from an SP50 with 6. Insurers assess the specific code, not just the word "speeding". Clean Green Cars introduces you to specialist brokers who could help your code be priced more fairly.
Not All Insurers Decline SP Codes
Many mainstream comparison sites load premiums heavily for any speeding conviction. Clean Green Cars introduces you to brokers who work with insurers that price SP codes individually and competitively.
Your Premium Could Improve Each Year
Speeding convictions stay on your licence for 4 years but affect insurance for up to 5. Each year without further points, your price could reduce. Clean Green Cars introduces you to specialist brokers so you could track that improvement at every renewal.
Speeding Convictions At A Glance
- Around 2.5 million speeding offences were recorded in the UK in 2024 (as at Home Office, 2025), making it the most common motoring offence by far.
- SP30 (exceeding the speed limit on a public road) accounts for the majority of speeding endorsements on UK licences.
- Points range from 3 to 6 depending on the offence. Accumulating 12 or more points could lead to a totting-up ban.
- Over 1.8 million drivers attended a speed awareness course in 2024 (as at DfT, 2025). It avoids points but most insurers still ask about it.
- Visit the convicted driver insurance hub if you have other conviction types alongside speeding.
- Click the green button above to compare quotes from specialist brokers who handle speeding convictions daily.
Speed Awareness Courses and Your Insurance
If you are caught speeding for the first time at a minor level, you may be offered a speed awareness course instead of penalty points. Understanding the difference matters for your insurance.
| Speed Awareness Course | Fixed Penalty | |
|---|---|---|
| Points on licence | None | 3 points |
| Cost | Around £100 | £100 minimum fine |
| Declare to insurers | Yes – most ask | Yes – always |
| Affects premium | Usually less impact | May increase premium |
| On your licence | No | Yes – 4 years |
| Eligibility | Once every 3 years | Always applies |
Speeding Code Penalties
The penalty depends on how far over the limit you were driving and the circumstances of the offence.
| Code | Offence | Points | Maximum Fine |
|---|---|---|---|
| SP10 | Exceeding goods vehicle speed limits | 3 to 6 | Up to £1,000 |
| SP20 | Exceeding speed limit for type of vehicle | 3 to 6 | Up to £1,000 |
| SP30 | Exceeding statutory speed limit on a public road | 3 to 6 | Up to £1,000 |
| SP40 | Exceeding passenger vehicle speed limit | 3 to 6 | Up to £1,000 |
| SP50 | Exceeding speed limit on a motorway | 3 to 6 | Up to £2,500 |
Find Your Speeding Code
Each speeding conviction carries a specific code. Choose yours below for detailed insurance guidance.
Exceeding goods vehicle speed limits. Applies to vans and commercial vehicles.
Compare SP10 quotesExceeding speed limit for the type of vehicle. Covers towing and HGVs.
Compare SP20 quotesExceeding the statutory speed limit on a public road. The most common speeding code.
Compare SP30 quotesExceeding passenger vehicle speed limits. Covers minibuses and 9+ seat vehicles.
Compare SP40 quotesExceeding speed limit on a motorway. Carries 3 to 6 points depending on severity.
Compare SP50 quotesWhat Our Expert Says
Speeding convictions are the most common endorsement on UK roads. Around 2.5 million speeding offences were recorded in the year ending December 2024 (as at Home Office, 2025), with SP30 accounting for the vast majority.
The insurance impact of a speeding code depends on the severity and how many points are involved. A single 3-point endorsement is one of the lighter conviction types. Multiple speeding offences on the same licence are viewed differently, particularly when the total approaches the 12-point totting-up threshold.
Speed awareness courses are increasingly common, with over 1.8 million drivers attending one in 2024 (as at DfT, 2025). A course avoids points on your licence but most insurers still ask about it. The premium impact is typically less than a fixed penalty notice, though this varies.
The loading on your premium generally reduces each year after the offence. By the third or fourth year, many drivers find their premium has moved closer to standard rates.
Co-founder of Clean Green Cars
Common 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 must answer your insurer’s questions truthfully, which usually means declaring any speeding points (SP codes) whenever they ask about motoring convictions or penalty points – typically for at least 5 years. Failing to declare them when asked 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 now ask about speed awareness courses, so it could affect your premium. A small number of insurers don’t ask about courses at all, but if yours does – 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.
How Speeding Points Affect Your Premium
The impact on your premium depends on how many points you have, when you received them, and whether you have other convictions on your record.
A single SP30 with 3 points may add around 5% to 15% to your premium (as at industry estimates, 2024), though this varies significantly between insurers. Some add a flat loading, others use a sliding scale based on the number of points.
Multiple speeding convictions could compound the effect. Moving from 3 to 6 points does not simply double the loading – it may signal a pattern of behaviour that some insurers view as higher risk. At 9 points, the 12-point totting-up threshold is close, and some insurers may decline to offer cover.
The loading typically reduces each year. By the third year after conviction, many drivers find their premium returning closer to standard rates. Once the conviction is spent (after 5 years for insurance purposes), you no longer need to declare it.
Telematics car insurance could help demonstrate improved driving habits and potentially reduce your loading after a speeding conviction. If you also have a drink driving or drug driving conviction, separate guides cover how those codes affect pricing. Need short-term cover? Temporary car insurance for convicted drivers may be available.
Search & compare quotes from UK Speeding Conviction Car Insurance Providers
Useful Resources
- 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.
