SP30 Car Insurance Quotes

Insurance cover for drivers with speeding endorsements

• Insurance for drivers with speeding convictions
• All speeding offences covered (SP10, SP20, SP30, SP40 & SP50)
• All levels of cover including third party, third party fire & theft and fully comprehensive

View your driving licence online to obtain dates & details of disqualifications, endorsements & penalty points.

Compare SP30 insurance quotes from insurance companies who specialise in insuring high risk drivers with speeding convictions such as SP30.

Will a speeding conviction affect the cost of insurance?

Having a speeding conviction on your driving record will more than likely increase the price you pay for insurance, this is because speeding increases the risk of being involved in a collision that could result in a claim being made on your insurance policy.

Different insurance companies will have different methods of calculating insurance prices based on risk analysis criteria so it is worth shopping around and obtaining quotes from different insurance providers in order to find the cheapest deal for the cover you require.

Do i have to inform my insurance company about speeding convictions?

You should always inform your insurance provider about any convictions, endorsements and penalty received inlcuding speeding offences.

Failure to do so could lead to your insurance policy being invalidated and your insurer could refuse to payout in the event of a claim being made.

Speeding Offences in the UK

Speeding is one of the most common offences that UK motorists commit. Statistics show that in 2022 2.52 million drivers were issued with fixed penalty notices for exceeding the speed limit and 1.64 million drivers attended a speed awareness course.

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 suprising that so many drivers receive fixed penalty notices (FPN's), commonly referred to as 'speeding tickets'.

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 vehcile at the time of the alleged speeding offence, this must be returned within 28 days.

Failure to provide details of the driver could lead you to being prosecuted, 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.

Will I have to go to court for a speeding offence?

The majority of speeding offences are dealt with by way of a fixed penalty notice. However if you choose to ignore the fixed penalty notice, fail to provide driver details or the speeding offence was a serious one such as driving well above the speed limit you may receive a summons to appear at court instead.

You could also receive a court summons if you already have 9 penalty points and are in danger of losing your driving licence under the totting up procedure for gaining 12 penalty points or more.

What is a fixed penalty notice (FPN)?

A fixed penalty notice for speeding is a conditional offer allowing drivers to either plead guilty to the speeding offence and pay a £100 fine & receive 3 penalty points (or attend a national speed awareness course as an alternative to a fine and points if eligible) OR plead not guilty to the offence and go to court.

Can I take a speed awareness course instead of points and a fine?

You can only take the course if you are eligible to do so and are offered it as an option when you receive a fixed penalty notice. You will 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

How much can I be fined for speeding?

If you receive a fixed penalty notice the fine is £100. If you go to court you can receive a fine of up £1,000 or up to £2,500 if you were caught speeding on a motorway.

How long will speeding stay on my driving record?

Speeding offences will stay on your driving licence for a period of 4 years from the date the offence was committed. Most insurers will ask if you have had any convictions, endorsements or penalty penalty points within the last 5 years, you must declare any speeding endorsements to insurers for five years even when they do not appear on your driving licence after 4 years.

What are speeding endorsements codes?

Endorsement codes are the codes the 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 endosement codes for speeding offences and which one is endorsed on your driving record will depend on what type of vehicle your were driving at the time and on what type of road you committed the speeding offence on.