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• Insurance for drivers with speeding convictions
• All speeding offences covered (SP10, SP20, SP30, SP40 & SP50)
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Speeding Offences and Insurance

In 2024 in England and Wales, home office statisticsshow around 2.5 million fixed penalty notices (FPNs) were issued for speeding offences, making speeding the most common recorded motoring offence category.

With so many fixed speed cameras, mobile speed camera vans, and police officers operating hand held laser or radar guns on UK roads, it is not surprising that so many drivers receive fixed penalty notices (FPN's), commonly referred to as 'speeding tickets'.

Because so many speeding-related penalties are issued each year, it is common for insurance companies to see drivers with SP30 endorsements when providing quotes and setting premiums.

As a result, insurers in the UK treat speeding convictions as a routine part of assessing drivers because they occur so frequently; however, even common speeding convictions can still affect insurance premiums and the terms of cover.

Will a Speeding Conviction Affect the Cost of Insurance?

A speeding conviction will typically raise your insurance premium because statistically it increases your risk of being involved in a claim.

As a result, a single minor speeding offence typically leads to a modest premium increase rather than refusal of cover, reflecting the fact that such convictions are common across the driving population.

However, repeated speeding offences or more serious violations are treated more seriously. Multiple convictions suggest a pattern of unsafe driving, which insurers associate with a higher likelihood of future claims. In these cases, premium increases are more significant, and some insurers may even decline to offer cover.

Different car insurance providers calculate premiums using their own internal risk criteria, which means the cost of car insurance in the UK can vary significantly between companies. As a result, drivers may receive different quotes for the same level of cover depending on how each insurer assesses factors such as driving history, including speeding convictions, location, vehicle type, and annual mileage.

Using an insurance comparison approach helps motorists find more competitive prices for the level of cover they need, whether that is third party, third party fire and theft, or comprehensive insurance.

Comparing car insurance quotes from different providers helps drivers evaluate policy features, exclusions, and excess levels, ensuring they select suitable coverage at a price they can afford - especially after receiving speeding points, such as an SP30 endorsement, or when renewing a policy.

This is particularly important for drivers with multiple speeding endorsements or other convictions on their driving licence. Comparing quotes helps drivers find the best deal for the cover they require.

Click the “Get Quotes” button below, enter your details, and receive personalised quotes from a panel of insurers, including specialists for drivers with convictions such as SP30 endorsements or speeding convictions.

Do You Have to Inform Your Insurance Company About Speeding Convictions?

You should always inform your insurance provider about any convictions, endorsements, or penalties received, including speeding offences whenever you are required to do so.

In most cases, you do not need to inform your insurer immediately if you receive a driving conviction, such as a speeding offence, during the policy period. UK insurers typically only require you to disclose convictions when you first take out a car insurance policy or when it is due for renewal. However, it is important to check your individual policy terms, as some insurers may require notification of new convictions during the policy.

Failing to disclose information about endorsements and convictions could invalidate your policy and may result in a rejected claim if you are involved in an accident.

Being transparent with your insurer ensures that your car insurance policy remains valid and accurately reflects your driving history. Most UK insurers take factors such as SP30 speeding endorsements into account when calculating premiums, so providing accurate information helps avoid issues at renewal or during claims.

UK Speeding Offences: Driving Licence Endorsement Codes Explained

Endorsement codes are the codes the Driver and Vehicle Licensing Agency (DVLA) use and each endorsement code relates to a specific road traffic offence. When you plead guilty to a speeding offence either via a fixed penalty notice or at court your driving licence will contain details of the offence along with the code for that particular offence and how many penalty points your received.

There are several endorsement codes for speeding offences in the UK, and the specific code recorded on your driving licence depends on the type of vehicle you were driving at the time and the type of road where the offence occurred.

These endorsement codes are used by the DVLA to track motoring offences and by insurers when assessing your risk profile. Understanding which code applies to your conviction is important, as it can influence how long the endorsement stays on your licence and how it affects your car insurance premiums.

You can check your driving record onlineby providing your national insurance number, driving licence number and your postcode. This service allows you to view your driving record including any penalty points and endorsements on your driving licence.

How Long Will a Speeding Offence Stay on My Driving Record?

Driving licence endorsement codes for speeding penalty offences will stay on your driving licence for a period of 4 years from the date the offence was committed.

How Long Do You Need to Declare an SP30 Speeding Endorsement to Car Insurers?

Insurers in the UK typically ask whether you have had any convictions, penalty points, claims, or endorsements in the last five years. This information helps them assess your risk as a driver and calculate your car insurance premiums accurately.

It is crucial to declare any relevant convictions and endorsements, including speeding offences, when asked by your insurer, even if they no longer appear on your licence after four years. Insurers often require disclosure over a longer period, typically up to five years, as part of their car insurance policy terms.

Failing to disclose relevant convictions or endorsements can invalidate your policy and may result in claims being denied if you are involved in an accident. Providing accurate and complete information ensures your cover remains valid and helps avoid complications when making a claim or renewing your insurance.

What Happens When You Are Caught Speeding?

If your car was detected by a speed camera while exceeding the speed limit you (or the registered keeper of the vehicle) will receive a Notice of Intented Prosecution (NIP) and a section 172 notice through the post within 14 days of the offence.

The section 172 notice is a document requesting details of who was driving the vehicle at the time of the alleged speeding offence, this must be returned within 28 days.

After you have provided driver details within the specified time frame, you will then be either issued with a fixed penalty notice (FPN) or be informed that you need to attend court.

Failure to provide details of the driver could lead you to being prosecuted in court, fined up to £1,000 and issued with 6 penalty points.

If you were stopped by the police for speeding they could give you a verbal warning, a fixed penalty notice or require you to attend court.

What Is a Fixed Penalty Notice?

A fixed penalty notice (FPN) for speeding is a conditional offer issued to drivers. By accepting it, drivers agree to the penalty terms: usually a £100 fine and three points on their licence, or, if eligible, attending a National Speed Awareness Course as an alternative to points and a fine.

Drivers who do not accept the FPN can choose to contest the offence in court. This may lead to higher fines or additional penalty points if found guilty, but it provides an opportunity to formally challenge the speeding allegation.

How Much Can I Be Fined for a Speeding Offence?

If a driver receives a fixed penalty notice (FPN) for speeding, the standard fine is £100, and three penalty points are usually added to their licence.

However, if the case goes to court, the fines are significantly higher. Drivers can be fined up to £1,000 for general speeding offences, or up to £2,500 if the offence occurred on a motorway. Court proceedings may also result in additional penalty points or, in severe cases, disqualification from driving.

Will You Have to Go to Court for a Speeding Offence?

The majority of speeding offences in the UK are dealt with through a fixed penalty notice (FPN). However, if a driver chooses to ignore the FPN, fails to provide the required driver details, or commits a more serious offence, such as driving well above the speed limit, they may receive a court summons instead.

A court summons may also be issued if a driver already has nine penalty points on their licence and is at risk of losing it under the totting-up procedure, which applies when a driver accumulates 12 or more penalty points. This ensures that repeated or serious speeding offences are addressed through the legal system rather than just fixed penalties.

Can I Be Disqualified from Driving for Exceeding the Speed Limit?

Yes, in the UK, you can be disqualified from driving for a speeding offence, though this depends on the severity and circumstances of the speeding offence.

If your case goes to court because you were driving well above the statutory speed limitand there were aggravating factors that made the offence more serious, then Magistrates can impose a driving disqualification of 7 to 56 days, though more serious offences can lead to longer bans.

Aggravating factors that can make speeding offences more serious include previous convictions, poor road or weather conditions, towing caravans or trailers, carrying passengers, and the location of the offence - such as near schools or areas with high pedestrian activity.

Even if a disqualification received for a speeding offence is short, it can have a lasting impact on your driving record, potentially affecting car insurance premiums and your ability to get the best quotes.

Can I Take a Speed Awareness Course Instead of Penalty Points and a Fine?

You can only take a speed awareness course if you are eligible to do so and are offered it as an option when you receive a fixed penalty notice. You could be eligible if:

• You have returned the section 172 notice within 28 days providing your details
• You have not completed the course within the last 3 years
• The speeding offence is within the speed limit thresholds shown below

Speed awareness course offers are at the discretion of individual police forces, and whether you are offered one depends on the force in your local area.

If you have received an offer to take a speed awareness course from the police, you can find and register for a course on the National Driver Offender Retraining Scheme (NDORS) web site.