SP50 convictions are given when you’re caught speeding on the motorway. Having an SP50 conviction can certainly make it difficult to get car insurance at a reasonable rate. Insurance providers always take risk into account when coming up with the price for a policy and unfortunately, having a speeding conviction puts you in a high-risk category.
It’s not all bad news though. There are specialist providers of car insurance for convicted drivers who can offer you cover at a price that’s fair.
How you can save money on SP50 car insurance
- Get a modest vehicle – Since you can expect to pay more for your insurance due to having a conviction, it’s a good idea to go for a modest vehicle if you want to reduce the cost of cover. The value of your vehicle is one of the main factors that will affect the cost of insurance, so this is definitely worth bearing in mind.
- Get quotes from different providers – Getting quotes from different insurance providers is very simple to do and could save you a good deal of money.
- Get a limited mileage policy – Getting a limited mileage policy is another good way to save money. They’re not suitable for everyone but if you don’t use your car that often, then you could benefit from getting one.
Factors that affect the cost of SP50 car insurance
- Your age – Your age is certainly something insurance providers will take into account. Generally those under 25 will pay considerably more since they’re already considered to be in a high risk group.
- The value of your car – The value of your vehicle is another big factor that insurance providers take into account.
- Driving history – Your driving history will affect what you pay too. This doesn’t just mean your conviction, but also any accidents you might have been in.
Speed Limits Motoring Conviction Codes
| CODE | OFFENCE | POINTS |
|---|---|---|
| SP50 convictions will stay on your licence for 4 years from the date of the offence | ||
| SP50 | Exceeding speed limit on a motorway | 3-6 |
Get SP50 car insurance quotes from specialist providers
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SP50 Car Insurance FAQs
How long do you have to declare an SP50 motoring conviction to insurance companies?
If you have received an SP50 conviction, you will likely incur 3-6 points on your licence or a driving ban depending on the seriousness ty of the offence.
You need to declare these points or ban for four years from the date of the offence.
Will an SP50 motoring conviction affect my insurance?
An SP50 speeding conviction is for an offence committed on the motorway.
Future insurance premiums will increase dependant on the type of speeding conviction you incur, so it’s important that you’re aware which type of motoring conviction you have received.
