Why Compare SP10 Car Insurance?
Goods Vehicle Points Could Hit Your Premium Hard
Research from Admiral suggests 3 penalty points could add around 10% to your premium (as at January 2025). An SP10 from an HGV or van could attract higher loadings than a standard speeding code. Clean Green Cars introduces you to specialist brokers who compare quotes across insurers that rate SP10 differently.
Professional Drivers Need Specialist Cover
Losing your insurance could mean losing your income. Many goods vehicle drivers depend on their licence for work. Clean Green Cars connects you with brokers who understand goods vehicle convictions and could help keep you on the road.
Not Every Insurer Recognises SP10
Some mainstream quote engines do not list SP10 as a conviction code. That leaves you stuck without a quote. The comparison form above puts you in touch with specialist brokers who handle goods vehicle speeding codes every day.
SP10 Car Insurance At A Glance
- SP10 is the DVLA endorsement code for exceeding goods vehicle speed limits on a public road.
- It carries 3 to 6 penalty points and a minimum £100 fine, which could increase your premium by around 10% or more (Admiral, as at January 2025).
- Goods vehicles over 7.5 tonnes have a 60 mph motorway limit and 50 mph on single carriageways – lower than the car limit (GOV.UK).
- SP10 stays on your licence for 4 years from the date of the offence and must be declared to insurers during that time.
- Need short-term cover? Temporary car insurance with convictions is available while you compare annual quotes.
- Click the green button above to compare quotes from specialist brokers who handle goods vehicle convictions.
What Is an SP10 Conviction?
SP10 is the DVLA endorsement code for exceeding the speed limit that applies specifically to goods vehicles. It covers lorries, HGVs, large vans over 3.5 tonnes, and other commercial vehicles. The offence falls under the Road Traffic Regulation Act 1984.
Goods vehicles have lower national speed limits than cars on most roads. Vehicles over 7.5 tonnes are limited to 60 mph on motorways and dual carriageways, and 50 mph on single carriageways. Lighter goods vehicles up to 7.5 tonnes are limited to 70 mph on motorways and 60 mph on single carriageways (GOV.UK).
That means a van doing 65 mph on a single carriageway could receive an SP10 even though a car driver at the same speed would be within the limit. Many professional drivers find this out after a camera catches them at a speed they assumed was legal.
| Penalty | Details |
|---|---|
| Penalty Points | 3 to 6 |
| Driving Ban | Possible for excessive speed or accumulation of 12 or more points |
| Maximum Fine | Minimum £100, up to £1,000 (£2,500 on motorway) |
| Time on Licence | 4 years on licence from date of offence |
| Spent After | 5 years from date of conviction |
Can You Get Insurance With an SP10 Conviction?
An SP10 carries 3 to 6 penalty points that stay on your licence for 4 years from the date of the offence. Under the Rehabilitation of Offenders Act 1974, the conviction becomes spent 5 years from the date of conviction.
Car insurance is different. Most insurers ask about convictions for the past 5 years, so you may need to declare your SP10 even after the points have expired from your licence. Not declaring it when asked could invalidate your cover.
The good news is that many brokers who handle convicted driver insurance accept SP10 endorsements. As a goods vehicle code, it is treated much like an SP30 (exceeding the speed limit) by most experienced brokers. Your premium loading could reduce each year as the conviction ages.
Who Needs SP10 Car Insurance?
Standard insurers often load your price heavily after a goods vehicle speeding conviction. Here is who typically benefits most from comparing SP10 car insurance quotes.
Van Drivers With an SP10
You were doing the same speed as the car ahead, but your van has a lower limit on that road. Your renewal jumped and mainstream insurers are not quoting. Specialist brokers understand this happens to goods vehicle drivers regularly and could find you a fairer price through convicted driver van insurance specialists.
HGV and Lorry Drivers
Your licence is your livelihood. An SP10 picked up on a familiar route can feel like a harsh penalty when you were just keeping up with traffic. Brokers experienced with goods vehicle convictions could help you stay insured and keep earning.
Drivers With Multiple Endorsements
An SP10 on top of other endorsements can make mainstream insurers walk away. That does not mean affordable cover is out of reach. Specialist brokers who handle higher-point licences assess each code individually and could still find you options.
Fleet Operators With Convicted Drivers
One of your drivers has picked up an SP10. Your fleet renewal could be affected. Comparing through specialist brokers may help you find cover that accommodates convicted drivers without penalising the whole fleet.
Renewal Shoppers
Your insurer loaded your premium after an SP10, and the increase feels disproportionate for what happened. Comparing through specialist brokers could reveal a more competitive price, especially as your conviction gets older.
Worth Knowing: Clean Green Cars introduces you to brokers who already cover drivers with SP10 endorsements. You fill in one form and get matched with brokers who understand goods vehicle convictions.
What SP10 Car Insurance Covers
An SP10 on your licence does not change what your policy is designed to cover. It changes how much you pay and which providers will quote you.
Here is what each level of cover could include. Please note that policy features, benefits, terms and conditions vary among insurance providers, so always check the policy wording.
| Feature | Comprehensive | Third Party, Fire & Theft | Third Party Only |
|---|---|---|---|
| Damage to your own vehicle | Yes | No | No |
| Fire and theft protection | Yes | Yes | No |
| Damage to other people's property | Yes | Yes | Yes |
| Injury to other people | Yes | Yes | Yes |
| Windscreen cover | Often included | Rarely | No |
| Courtesy car | Sometimes included | Rarely | No |
Cover Tip: Comprehensive cover could sometimes cost less than third party only, even with an SP10. It is worth comparing all three levels rather than assuming third party is most affordable.
What SP10 Car Insurance May Not Cover
One missed detail on your application could mean a declined claim. Here is what SP10 car insurance usually does not cover.
Standard Exclusions
- Undeclared Convictions - If you do not tell your insurer about your SP10, they could invalidate your policy and may decline all claims.
- Driving Under the Influence - If you cause an accident while impaired by drink or drugs, your insurer could decline your claim regardless of any speeding conviction.
- Undeclared Vehicle Use - If your policy covers social use but you are driving for business, your insurer could decline a claim for using the vehicle outside your policy terms.
- Racing or Track Use - Standard policies do not cover racing, track days, or competitive events. A claim could be reduced or declined if speed was a factor.
Important Limitations
- Higher Compulsory Excess - Some insurers apply a higher compulsory excess for convicted drivers, which means you pay more before a claim is settled.
- Mileage Restrictions - Your policy may limit your annual mileage. Exceeding it could affect whether a claim is paid in full.
- Vehicle Value Cap - Some convicted driver policies may cap the maximum value of vehicle they will insure.
- Telematics Requirements - Some insurers may require a telematics device as a condition of cover, particularly for drivers with multiple convictions.
Extras Worth Adding
Your standard policy is designed to cover the basics. These extras fill gaps that could matter more after a goods vehicle speeding conviction. If your vehicle was seized, you may also need impound release cover.
May help cover roadside assistance if your vehicle breaks down away from home. Useful if you rely on your vehicle for work and cannot afford delays, subject to policy limits and conditions.
May help cover your legal costs if you need to dispute fault after an accident. Particularly relevant if you already have points and want to protect your licence, depending on your policy terms.
May help cover the cost of replacing your keys if they are lost or stolen, subject to policy limits and conditions.
May be needed if you have built up years of no claims and want to keep your discount safe after a claim. Not every insurer offers this to convicted drivers, subject to insurer acceptance criteria.
May pay a set amount if you are hurt in a crash and cannot work, depending on your policy terms.
May be needed if you want to prove safe driving habits after your SP10. A black box tracks your speed, braking, and mileage, which could help reduce your premium at renewal, subject to policy limits and conditions.
What Affects the Cost of Car Insurance with a SP10 Conviction?
Your quote depends on the number of points, how recently you were convicted, and what type of goods vehicle you were driving. SP10 is one of several speeding conviction codes that affect your quote. The quotes you get will depend on your own details.
| Key Factor | Impact on Your Price |
|---|---|
| Your SP10 conviction | Research from Admiral suggests 3 penalty points could add around 10% to a premium (as at January 2025). With 4-6 points from a more serious goods vehicle speeding offence, the loading could be higher. |
| Time since conviction | Your price could drop each year as the SP10 ages. A conviction from 3 years ago may cost less to insure than one from last month. |
| Type of goods vehicle | The type of vehicle you were driving when caught matters. An SP10 in an articulated lorry may be rated differently from one in a light van. |
| Other convictions on your licence | An SP10 on top of other motoring convictions could push your price up sharply. Several endorsements may signal a pattern to insurers. |
| No claims discount | A long no claims history could help offset some of your SP10 loading. Protecting your discount may be worth considering. |
| Your vehicle (group, age, value) | Higher insurance group vehicles cost more to insure with or without convictions. Choosing a lower group vehicle could help reduce your overall price. |
| Annual mileage | Lower mileage usually means lower risk. If you drive less than the average, make sure your estimate is accurate to avoid overpaying. |
| Cover level | Comprehensive cover could cost less than third party only for some convicted drivers. Always compare all three levels to see which gives you the best value. |
Price Insight: A single SP10 and years of repeated offences produce very different quotes, but many insurers treat them the same. Specialist brokers know the difference and could present your case to providers who price individually. Your loading should reduce each year as the conviction ages.
Ways to Cut Your Car Insurance Cost
An SP10 could push your premium up, but there are practical steps that could bring it closer to what you paid before. New drivers and experienced professionals alike could benefit. Get quotes above to start comparing.
Compare at Every Renewal
Your SP10 loading could shrink each year, but your current insurer may not pass that reduction on. Do not auto-renew without checking. Get quotes above to see the difference.
Consider a Telematics Policy
You know the speed limit now. A black box tracks your actual driving and gives your insurer evidence that the speeding was a one-off. That data could work in your favour at renewal.
Check Your Vehicle Speed Limits
If you drive different vehicles for work, the limits change with the weight class. Knowing the exact limit for each vehicle you drive could prevent a second SP10. Check the GOV.UK speed limits page.
Increase Your Voluntary Excess
A higher excess could cut your premium. Make sure you can afford it if you need to claim.
Pay Annually If You Can
Monthly payments include interest charges. On a conviction-loaded premium, that interest adds up faster. Paying upfront could reduce what you spend overall.
Add an Experienced Named Driver
Adding a more experienced driver with a clean licence could help balance how insurers see your application, especially if you are a younger driver.
Park Off the Street
A driveway or garage is lower risk than on-street parking. If you have off-street parking, make sure your insurer knows about it.
Saving Tip: It can feel frustrating that a speed limit you did not know about is now costing you more. Comparing through specialist brokers who handle goods vehicle convictions regularly could help you find a fairer price. Get started above.
How to Compare SP10 Car Insurance Quotes
Getting quotes after an SP10 does not take long. Here is how it works. Get started above when you are ready.
Enter Your Vehicle Details
Add your registration, make, model, and where you park overnight. Start at the top of this page to begin.
Add Your Personal Details
Enter your name, address, date of birth, and occupation.
Declare Your SP10
Select the SP10 conviction code, enter the date of offence, and the number of points. Declare any other endorsements on your licence too.
Complete Your Driving Record
Choose your cover level, add your no claims discount, and confirm any previous claims.
Review Your Quotes
Specialist brokers send you quotes based on your details. Compare prices and cover levels, then pick the one that fits.
What Our Expert Says
Finding out you have an SP10 can be unsettling, especially when you genuinely did not realise your van or lorry had a different speed limit to the car in front of you. You are not alone in that - the gap between what feels normal and what is legal catches thousands of goods vehicle drivers every year.
Vehicles over 7.5 tonnes are limited to 60 mph on motorways and 50 mph on single carriageways. Even lighter goods vehicles up to 7.5 tonnes drop to 60 mph on single carriageways. Most SP10 convictions happen in that gap between car speed limits and goods vehicle limits.
Three penalty points could add around 10% to your premium, according to Admiral research (as at January 2025). With 4-6 points from a more serious offence, the increase could be higher. The exact figure depends on your insurer, your vehicle, and the rest of your driving record.
The good news is that this loading typically reduces each year. Comparing at every renewal is the best way to make sure you are not overpaying for a conviction that is getting older.
Co-founder of Clean Green Cars
Common SP10 Car Insurance Questions
What Is an SP10 Conviction Code?
SP10 is the DVLA code for exceeding goods vehicle speed limits. It applies to vans, lorries, and HGVs, which have lower limits than cars on most roads.
How Much Does an SP10 Affect Car Insurance?
Research from Admiral suggests 3 points could add around 10% (as at January 2025). The exact increase depends on your age, vehicle, and how recently it happened.
How Long Does an SP10 Stay on Your Driving Licence?
Four years from the date of the offence. Most insurers ask about convictions for the past 5 years.
What Is the Difference Between SP10 and SP30?
SP10 covers goods vehicle limits. SP30 covers standard car speed limits. Insurers treat the penalty points similarly.
Do I Have to Declare an SP10 to My Car Insurer?
Yes. You must answer your insurer’s questions truthfully, which usually means declaring your SP10 whenever they ask about motoring convictions or penalty points – typically for at least 5 years. Not declaring it when asked could invalidate your cover and lead to claims being declined.
How Many Points Do You Get for an SP10?
Three to six, depending on how far over the goods vehicle limit you were travelling.
What Are the Speed Limits for Goods Vehicles in the UK?
Vehicles over 7.5 tonnes: 60 mph motorways, 50 mph single carriageways. Up to 7.5 tonnes: 70 mph motorways, 60 mph dual carriageways. All goods vehicles: 30 mph in built-up areas (GOV.UK).
What Is the Fine for an SP10 Speeding Conviction?
The fixed penalty is £100. Court fines are based on weekly income. Maximum £1,000 on most roads, £2,500 on a motorway.
Can I Get Insurance With an SP10 on My Licence?
Yes. Many specialist brokers accept SP10 endorsements. Your premium may be higher, but comparing could help you find a competitive price.
What Happens After I Submit My Details?
Clean Green Cars introduces you to a specialist broker who contacts you directly with quotes. There is no obligation to buy.
Related Speeding Conviction Codes
SP10 is one of several speeding endorsement codes used on UK driving licences. Each code relates to a different type of speeding offence but all carry similar convicted driver insurance implications. Here are the related codes.
Search & compare quotes from UK SP10 Car Insurance Providers
Useful Resources
- GOV.UK - Speed Limits - Full breakdown of speed limits by vehicle type and road type, including goods vehicles.
- GOV.UK - Speeding Penalties - How speeding fines and points work in England and Wales.
- GOV.UK - Penalty Points - Check how many points are on your licence and when they expire.
- GOV.UK - View Your Driving Licence - See your current endorsements and share your licence information with insurers.
