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5 Ridiculous Excuses For Drink Driving
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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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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 codeYour driving history overallHow many points you haveWhether you took a speed awareness courseHow long ago it happenedHow you use your vehicle
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.
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.
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 regularlyReview your driving habitsTrack your points totalKnow your renewal disclosure datesKeep proof of any completed courses
When things go wrong, we're here to help
We'll guide you through the claims process and liaise with insurers when needed.
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.
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.
| Code | Offence | Typical penalty | Duration 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 |
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.
UK-based specialist advisersAccess to 20+ specialist insurersNo obligation, just expert helpTrusted 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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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.
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