Why Compare SP30 Car Insurance?
How Much Is Your SP30 Really Costing You?
Research from Admiral suggests 3 penalty points could add around 10% to your premium (as at January 2025). Every insurer weights SP30 differently, so comparing through Clean Green Cars introduces you to specialist brokers who know which providers price speeding convictions fairly.
Standard Comparison Sites May Not Show the Full Picture
Some standard insurers may load your premium after an SP30, and others may decline to quote. Clean Green Cars introduces you to brokers with access to providers who assess your speed band, time since conviction, and overall record before quoting.
Get Quotes From Brokers Who Handle SP30 Every Day
A first speeding offence is very different from a repeat one. Clean Green Cars introduces you to specialist brokers who understand the difference and could find you a more competitive price at renewal.
SP30 Car Insurance At A Glance
- SP30 means your driving exceeded the statutory speed limit on a public road.
- Your conviction carries 3 to 6 penalty points and a minimum £100 fine (GOV.UK).
- Around 2.53 million speeding FPNs were issued in 2024 (Home Office, as at March 2026).
- Points stay on your licence for 4 years, but insurers may ask about the last 5.
- Van drivers with an SP30 may also want to compare convicted driver van insurance.
- Click the green button above to compare SP30 quotes from specialist brokers.
What Is an SP30 Conviction?
SP30 is the DVLA endorsement code for exceeding the statutory speed limit on a public road. It is the most common speeding conviction in England and Wales. The offence falls under the Road Traffic Regulation Act 1984. Around 2.53 million fixed penalty notices were issued for speeding offences in England and Wales in 2024 (Home Office, as at March 2026).
An SP30 carries 3 to 6 penalty points and a minimum fine of £100. The maximum fine is £1,000 on most roads, rising to £2,500 on a motorway. Courts may impose a driving ban for excessive speed or if you accumulate 12 or more points on your licence. New drivers who have held a full licence for less than 2 years face automatic revocation at 6 points under the Road Traffic (New Drivers) Act 1995.
You may be offered a speed awareness course as an alternative to points and a fine. Courses are typically offered when your speed fell between 10% plus 2 mph and 10% plus 9 mph over the limit. A course costs around £100 and avoids points on your licence. You can only take one course every 3 years for the same type of offence.
| Penalty | Details |
|---|---|
| Points | 3 to 6 |
| Minimum Fine | £100 |
| Maximum Fine | £1,000 (£2,500 on motorway) |
| Ban Risk | Possible for excessive speed or 12+ points |
| On Your Licence | 4 years from offence date |
| Rehabilitation Period | 5 years from conviction date |
| 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 SP30 Conviction?
An SP30 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. Research from Admiral suggests 3 points could add around 10% to your premium (as at January 2025).
You must declare your SP30 for as long as your insurer asks about it. Most insurers ask about convictions from the last 5 years. This means you may need to declare your SP30 even after the points disappear from your licence. Failing to declare could invalidate your cover or lead to a claim being declined.
Clean Green Cars introduces you to brokers who handle convicted driver insurance and SP30 convictions daily. You could compare quotes from brokers experienced with speeding offences and find a more attractively priced option than your current renewal. If you need cover while you compare, temporary car insurance with convictions could bridge the gap.
Who Needs SP30 Car Insurance?
Standard insurers often load your price after a speeding conviction. A telematics policy could help rebuild your record. Here is who typically benefits most from comparing SP30 car insurance quotes.
First-Time Speeders
A camera on a road you drive every day, one moment of inattention, and now your renewal has jumped. Specialist brokers know which insurers treat a single SP30 as low risk and could find you a fairer price.
Drivers With 6 or More Points
Multiple SP30s or a mix of speeding and other endorsements can make mainstream insurers walk away. That does not mean you are stuck. Brokers who handle higher-point licences could still find you cover.
New Drivers (Under 2 Years)
Six points within your first 2 years means losing your licence under the New Drivers Act 1995. If you have already retaken your test, specialist brokers could help you find affordable new driver car insurance without penalising you twice.
Speed Awareness Course Completers
You took the course (around £100, NDORS) and avoided points. Your insurer may still ask about it. Comparing quotes ensures you are not being loaded for something that did not result in endorsements.
Renewal Shoppers
Your insurer loaded your premium after an SP30 and it feels disproportionate. Do not auto-renew. 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 work with insurers that consider drivers with SP30 endorsements. You fill in one form and get matched with specialists.
What SP30 Car Insurance Covers
An SP30 on your licence doesn’t 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 SP30. It is worth comparing all three levels rather than assuming the lowest-tier cover gives you a more affordable price.
What SP30 Car Insurance May Not Cover
One missed detail on your application could mean a declined claim. Check your penalty points before applying. Here is what SP30 car insurance usually doesn’t cover.
Standard Exclusions
- Undeclared Convictions - If you do not tell your insurer about your SP30, 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 driver with a speeding conviction who is involved in an accident at excessive speed may find their claim could be reduced or declined.
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 speeding conviction. Van drivers should also check convicted driver van insurance.
May help cover roadside assistance if your car breaks down away from home. Useful if you rely on your car daily and can't afford to wait for recovery, 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 record, 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 drivers with convictions, so check availability, subject to insurer acceptance criteria.
May pay a set amount if you are hurt in a crash and can't work, depending on your policy terms.
May be needed if you want to prove safe driving habits after your SP30. 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 SP30 Conviction?
Your quote depends on the number of points, how recently you were convicted, and how far over the limit you were driving. These are the same factors that affect all speeding conviction insurance quotes. The quotes you get will depend on your own details.
| Key Factor | Impact on Your Price |
|---|---|
| Your SP30 conviction | Research from Admiral suggests 3 penalty points could add around 10% to a premium (as at January 2025). 6 points from a higher speed band could increase your loading further. |
| Time since conviction | Your price could drop each year as the SP30 ages. A conviction from 3 years ago may cost less to insure than one from last month. |
| Speed band (how far over the limit) | Driving 35mph in a 30 zone is treated differently from 50mph in a 30 zone. Insurers may assess the severity of the offence, not just the code. |
| Other convictions on your licence | An SP30 on top of other motoring convictions could push your price up sharply. Several speeding offences may signal a pattern to insurers. |
| No claims discount | A long no claims history could help offset some of your SP30 loading. Protecting your discount may be worth considering. |
| Your vehicle (group, age, value) | Higher insurance group cars cost more to insure, with or without convictions. Choosing a lower group car 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: Research from Admiral suggests 3 penalty points could add around 10% to a premium (as at January 2025). That feels steep for one lapse in concentration. Your loading should reduce each year as the conviction ages - comparing at every renewal is the way to make sure you benefit from that drop.
Ways to Cut Your Car Insurance Cost
An SP30 could push your premium up, but there are practical steps that could bring it closer to what you paid before. If you have been disqualified and need to retrieve your vehicle, impound release cover could help. Here are some ways to cut what you pay.
Compare at Every Renewal
Your SP30 loading could shrink each year, but your insurer may not pass that saving on automatically. Do not auto-renew without checking. Get quotes above.
Consider a Telematics Policy
A black box gives your insurer hard evidence that the speeding was a one-off. If you drive carefully every day, let the data speak for you at renewal.
Choose a Lower Insurance Group Car
If you are buying a new car after your SP30, check the insurance group first. Lower groups cost less to insure, and the saving matters more on a conviction-loaded premium.
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, 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. This matters most for younger drivers.
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: One moment on a familiar road should not define your insurance costs for years. Specialist brokers know which insurers take a measured view of a single SP30 and could find you a fairer price. Compare above.
How to Compare SP30 Car Insurance Quotes
Getting quotes after an SP30 doesn’t 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.
Add Your Personal Details
Enter your name, address, date of birth, and occupation.
Declare Your SP30
Select the SP30 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
Getting an SP30 can come as a shock, especially if it happened on a road you drive every day. A moment of inattention, a speed camera you did not notice, and suddenly you are dealing with points on your licence and a higher insurance bill.
You are far from alone. Around 2.53 million speeding fixed penalty notices were issued in 2024 (Home Office, as at March 2026). SP30 is the most common speeding conviction in England and Wales, and most drivers who receive one have never been in trouble before.
Three points sit on your licence for 4 years, and insurers typically ask about the last 5. Your loading could reduce each year, so comparing at every renewal matters. New drivers should be especially careful - six points within your first 2 years means automatic licence revocation under the New Drivers Act 1995.
Co-founder of Clean Green Cars
Common SP30 Car Insurance Questions
How Much Does an SP30 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 claims history.
How Long Does an SP30 Stay on Your Driving Licence?
Four years from the date of the offence. Most insurers ask about convictions for the past 5 years.
Do I Have to Declare an SP30 to My Car Insurer?
Yes. You must answer your insurer’s questions truthfully, which usually means declaring your SP30 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.
Does a Speed Awareness Course Affect Car Insurance?
Most insurers ask about courses even though they do not result in points. The premium impact is usually less than a fixed penalty.
How Many Points Do You Get for an SP30?
Three to six, depending on how far over the limit you were travelling.
Do I Have to Declare an SP30 After 3 Years?
The points expire after 4 years, but most insurers ask about the last 5. Check your policy wording.
What Is the Fine for an SP30 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.
Will an SP30 Show on a DBS Check?
An SP30 does not normally appear on a standard or enhanced DBS check. It could show in limited cases where driving is central to the role.
Is a Speed Awareness Course Better Than Taking Points for Insurance?
Usually yes. A course avoids points, which most insurers view more favourably. You must still declare the course if asked.
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
SP30 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 insurance implications. Here are the related SP codes.
Search & compare quotes from UK SP30 Insurance Providers
Useful Resources
- GOV.UK – Speeding Penalties – How speeding fines and points work in England and Wales.
- GOV.UK – Penalty Points – Find out when your points expire and how the totting-up system works.
- UKROEd (formerly NDORS) – The UK Road Offender Education scheme runs speed awareness courses across the UK.
- DVLA – Check Your Licence – View your current points and convictions online.
