SpeedingInsurance

Speeding Insurance

Convicted of speeding (SP30, SP50 or another SP code)? We help you find suitable cover through specialist insurers.

Convicted of speeding (SP30, SP50 or another SP code)? We help you find suitable cover through specialist insurers.

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Nearly 940,000 drivers got an SP30 last year, you're not alone

Talk to a specialist 0330 808 1548

Allianz
Granite Underwriting
Inshur
Aviva
Jensten Insurance Brokers
ERS
Bond Lovis
QBE
Victor
Admiral business
Axa
Highway
Collingwood
Zurich
KGM
Ageas
NIG
Sabre
DCL
Allianz
Granite Underwriting
Inshur
Aviva
Jensten Insurance Brokers
ERS
Bond Lovis
QBE
Victor
Admiral business
Axa
Highway
Collingwood
Zurich
KGM
Ageas
NIG
Sabre
DCL

What is a speeding conviction?

Speeding convictions cover several DVLA codes depending on the road type, SP30 for public roads, SP50 for motorways. Nearly 940,000 drivers received an SP30 in 2025 alone, a 32% rise since 2022.

“Most speeding endorsements stay on your licence for 4 years, but we always ask convicted drivers for 5 years of history.”

The right cover depends on:

Your specific SP code
Your driving history overall
How many points you have
Whether you took a speed awareness course
How long ago it happened
How you use your vehicle
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Is speeding insurance right for you?

Is speeding insurance right for you?

Speeding cover suits drivers with points or a short ban from a speeding offence who are being quoted higher prices, or refused, by mainstream insurers.

Speeding cover suits drivers with points or a short ban from a speeding offence who are being quoted higher prices, or refused, by mainstream insurers.

SP30 or SP50

Just received an SP30 or SP50? Find out how it affects your next renewal.

Multiple Speeding Offences

More than one speeding conviction on your licence? We can help.

Approaching 12 Points

Worried about reaching the totting-up threshold?

Missed the Awareness Course

Not offered a speed awareness course, or already had one recently?

Young or New Drivers

Speeding points as a newly qualified driver can affect cover significantly.

Struggling to Get Quotes

Finding it hard to get a competitive quote elsewhere?

Which speeding code applies to you?

Speeding offences use codes SP10 to SP50, depending on the type of road and vehicle. The code, your speed over the limit and the penalty given all affect your quote.

SP30
SP50
Multiple Points
Yellow roadside speed camera on a tall grey pole beside a rural highway, with hedges and a partly cloudy sky in the background.

Public Road Speeding

For exceeding the speed limit on a road that isn’t a motorway.

Two yellow traffic surveillance cameras mounted above a multi-lane highway with light traffic and green trees in the background.

Motorway Speeding

For exceeding the speed limit specifically on a motorway.

Driver in a car frowns as an unseen officer’s hand passes a document or ticket through the open window.

Reached 12 Points?

Multiple speeding convictions can total 12+ points, triggering totting-up.

White coach bus driving on an empty highway under a bright sky with scattered clouds and distant mountains.

SP10, SP20 or SP40

Less common codes for goods vehicles or passenger vehicle speed limits.

How was your speeding offence dealt with?

A speed awareness course usually means no points and nothing to declare. A fixed penalty adds points to your licence, while a court case can bring higher fines or a ban.
The outcome affects what you need to declare and to whom.

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Speed Awareness Course

No points added to your licence

Listed drivers :

Replaces points for eligible offences
Only offered once every 3 years
Still often needs declaring to insurers
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Fixed Penalty Notice

The most common outcome

Listed drivers :

3 points and a £100 fine typically
SP30 or SP50 endorsement added
Stays on licence 4 years
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Court Referral

For more serious speeding cases

Listed drivers :

For more serious speeding cases
Higher speeds or aggravating factors
Can carry more points or disqualification

Managing points is easier than you think

Good habits can help you avoid further points and manage costs over time.

Points management checklist

Check your DVLA record regularly
Review your driving habits
Track your points total
Know your renewal disclosure dates
Keep proof of any completed courses
Road sign showing a speed camera symbol above a red-bordered 30 mph limit, with green trees and blue sky in the background.

When things go wrong, we're here to help

We'll guide you through the claims process and liaise with insurers when needed.

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Report

Tell us about your conviction, including your code and points.

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Support

Our team helps you understand your options and liaises with insurers.

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Get Moving

Get the right cover in place, whatever your points total.

What affects the cost of speeding insurance?

Speeding insurance is priced on the speeding code, how far over the limit you were, how many points you received, whether you were banned, and how recently the offence happened.

Number of points received

More points from higher speeds can affect your premium.

Whether you took a course

Some insurers view a completed course more favourably than points.

How many speeding offences

Multiple convictions are viewed more seriously than one isolated offence.

Level of cover chosen

Third party, third party fire & theft or comprehensive cover all affect price differently.

How long ago it happened

More recent convictions are generally viewed as higher risk.

How you use your vehicle

Personal or work-related driving can be assessed differently.

Reached 12 points or more?

Reached 12 points or more?

You may be facing a totting-up disqualification, explore cover built around a TT99 ban.

You may be facing a totting-up disqualification, explore cover built around a TT99 ban.

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Speeding codes at a glance

Speeding codes at a glance

A quick reference, always confirm your exact code and points with the DVLA.

A quick reference, always confirm your exact code and points with the DVLA.

CodeOffenceTypical penaltyDuration on licence

SP30

Exceeding limit on a public road

3 to 6 points

4 years

SP50

Exceeding limit on a motorway

3 to 6 points

4 years

SP40

Exceeding limit for a passenger vehicle

3 to 6 points

4 years

SP20

Exceeding limit for vehicle type

3 to 6 points

4 years

TT99

Totting up, 12+ points in 3 years

6 month ban minimum

4 years

DR10

Drink driving above the limit

12 month ban minimum

11 years

Not sure which code applies to you?

Contact Us For Help: 0330 808 1548
Advisers discussing van insurance cover

Why use Insurance Revolution?

We help drivers with speeding convictions find suitable cover, without judgement.

Specialist convicted driver insurers
Experienced UK advisers
Help understanding your exact code
Confidential, non-judgemental advice
Help understanding disclosure requirements
Ongoing support as your conviction ages

How the quote process works

How the quote process works

Simple steps. Expert advice. The right cover for your business.

Simple steps. Expert advice. The right cover for your business.

1

Tell us about your speeding conviction

The offence code, the speed, the date, and any points or ban.

2

Tell us about you and your vehicle

Your age, driving history, and the vehicle you want to insure.

3

We compare insurers who accept speeding

A single SP30 affects your premium far less than multiple convictions. We find the best fit for your record.

4

Choose your cover

We explain your options clearly and arrange the right policy.

We're with you all the way

UK-based specialist advisers
Access to 20+ specialist insurers
No obligation, just expert help

Trusted by thousands of drivers across the UK

Trusted by thousands of drivers across the UK

From a single penalty point to a full disqualification, our customers trust Insurance Revolution to find the right cover and expert support when it matters.

From a single penalty point to a full disqualification, our customers trust Insurance Revolution to find the right cover and expert support when it matters.

Speeding insights & guides

Speeding insights & guides

Practical advice on speeding codes, courses and managing your points.

Practical advice on speeding codes, courses and managing your points.

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How Long Do You Have To Declare Your Drink Driving Conviction?

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How Long Is Drink Driving On Your License For?

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Caught Drink Driving What To Do What To Expect

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How Does Drink Driving Affect Insurance?

How Does Drink Driving Affect Insurance?

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What Are The Drink Driving Penalties?

What Are The Drink Driving Penalties?

Many factors can change the outcome of your drink driving conviction. Some of the most common ones are below, although ultimately, the severity of your punishment is determined by a magistrate’s court.

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What Is The Drink Driving Limit?

What Is The Drink Driving Limit?

While many people still believe the drink drive limit is determined by the amount of alcoholic units you have consumed, this is not the case. It is impossible to say how many drinks the legal drink drive limit equates to, as it is different for each person.

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What Is The Current Drink Drive Limit In England?

What Is The Current Drink Drive Limit In England?

Currently, the drink drive limit is 80 milligrams of alcohol for every 100 millilitres of blood. Alternatively, the limits are 35 micrograms per 100ml of breath or 107 mg per 100ml of urine.

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Why Do You Ask About Non Motoring Convictions?

Why Do You Ask About Non Motoring Convictions?

When it comes to getting quotes for car insurance, some questions seem to be irrelevant, especially when you are asked if you have any non-motoring convictions. Though disclosing any motoring convictions on your insurance quote may seem reasonable, why do some insurance companies ask for details about non-motoring convictions?

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Frequently Asked Questions

Frequently Asked Questions

Find quick answers to common questions about speeding insurance and SP codes.

Find quick answers to common questions about speeding insurance and SP codes.

A speeding conviction is a DVLA endorsement (such as SP30 for public roads or SP50 for motorways) given for exceeding the speed limit, typically carrying 3-6 penalty points.

Still have questions?

Our advisers are here to help you find the right solution.

Prefer to talk it through confidentially?

Prefer to talk it through confidentially?

Our advisers deal with speeding convictions every day, there’s no judgement, just help finding the right cover.

Our advisers deal with speeding convictions every day, there’s no judgement, just help finding the right cover.

Smiling customer service agent wearing a headset works at a computer in a busy office call center.