SP10 Car Insurance
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What is SP10 Car Insurance?
SP10 is the DVLA conviction code for exceeding the speed limit that applies to goods vehicles on a public road
An SP10 conviction carries 3 to 6 penalty points, a fine of up to £1,000, and stays on your driving licence for 4 years from the date of the offence.
Unlike an SP30 conviction which applies to all drivers in standard vehicles, an SP10 specifically applies to drivers of goods vehicles, examples include lorries, vans and other commercial vehicles. So this code is reserved for delivery or haulage drivers who exceed the road speed limits in the UK.
If you have received an SP10 conviction, finding affordable insuarbce for your commercial vehicle can be more difficult. At MultiQuoteTime we provide you access to a panel of specialist convicted driver brokers. You will be matched to brokers whose domain of expertise covers your specific conviction, age and vehicle.
Legal UK Speed Limits for Goods Vehicles
SP10 Penalty Points & Sentencing
An SP10 conviction is issued specifically for exceeding the speed limit that applies to goods vehicles on a public road. Goods vehicles are subject to lower speed limits than standard cars on many road types — so a goods vehicle driver can receive an SP10 even when travelling at a speed that would be legal for a car driver on the same road.
The table below shows SP10 and all related goods vehicle and speeding conviction codes, their penalty points and maximum fines.
| Code | Offence | Points | Max Fine | On Licence |
|---|---|---|---|---|
| SP10 | Exceeding goods vehicle speed limit This page | 3–6 | £1,000 | 4 years |
| SP12 | Aiding, abetting, counselling or procuring another to exceed goods vehicle speed limit | 3–6 | £1,000 | 4 years |
| SP14 | Causing or permitting another to exceed goods vehicle speed limit | 3–6 | £1,000 | 4 years |
| SP16 | Inciting another to exceed goods vehicle speed limit | 3–6 | £1,000 | 4 years |
| SP20 | Exceeding speed limit for type of vehicle | 3–6 | £1,000 | 4 years |
| SP30 | Exceeding statutory speed limit on a public road | 3–6 | £1,000 | 4 years |
| SP50 | Exceeding speed limit on a motorway | 3–6 | £2,500 | 4 years |
Note: Fines are calculated as a percentage of your weekly take-home pay. The figures above are the maximum — actual fines will depend on your individual circumstances. Source: Sentencing Council — Speeding (Revised 2017).
SP10 Goods Vehicle Speeding Fine Calculator
Use our calculator to estimate your potential fine. Unlike standard car speed limits, goods vehicles are subject to lower limits depending on vehicle weight and road type — select your vehicle type and road below to see the correct limit applied automatically.
Note: These figures are indicative only. Fines are calculated as a percentage of weekly take-home pay, subject to a minimum of £100 and maximum of £1,000. Speed limits shown are standard UK limits for each vehicle category — always check your specific vehicle’s legal limit. Source: GOV.UK Speed Limits.
SP10 vs SP30 vs SP50 — What's the Difference?
SP10, SP30 and SP50 are all speeding conviction codes but they apply to different vehicle types and road types. The key differences are shown below.
| SP10 This page | SP30 | SP50 | |
|---|---|---|---|
| Vehicle type | Goods vehicles — vans, lorries, HGVs | All standard vehicles | All standard vehicles |
| Road type | Any public road | Any non-motorway carriageway | Motorway only |
| Speed limit | Varies by vehicle weight and road type — lower than cars | Varies (20, 30, 40, 50, 60mph) | 70mph national motorway limit |
| Penalty points | 3–6 points | 3–6 points | 3–6 points |
| Maximum fine | £1,000 | £1,000 | £2,500 |
| Possible ban | 7–56 days (Band C) | 7–56 days (Band C) | 7–56 days (Band C) |
| How long on licence | 4 years from date of offence | 4 years from date of offence | 4 years from date of offence |
| Insurance impact | Premiums increase — specialist commercial vehicle brokers recommended | Premiums increase — higher risk category | Premiums increase — viewed more seriously due to motorway speeds |
| Unique factor | Lower speed limits apply — easier to exceed without realising | Most common speeding code in the UK | Highest maximum fine of all SP codes |
If you have an SP30 conviction or an SP50 conviction rather than an SP10, visit our dedicated pages for more information on how each conviction affects your insurance.
SP10 is one of those conviction codes that catches professional drivers out more than most. Goods vehicles have lower speed limits than cars on many roads — 50mph on single carriageways for HGVs over 7.5 tonnes, for example, compared to 60mph for a car. That gap is easy to miss if you're used to driving a car. From an insurance perspective, the conviction is treated in the same category as other speeding offences. Mainstream insurers will add a loading but specialist convicted driver brokers deal with SP10 cases regularly and know which insurers price this type of conviction fairly. Comparing through a specialist panel rather than going direct to a mainstream insurer is almost always the better approach for goods vehicle drivers with points.
How Does an SP10 Conviction Affect Your Insurance Cost?
An SP10 conviction will increase your car or commercial vehicle insurance premium. The amount varies depending on your vehicle type, age, driving history and how individual insurers assess risk.
About the figures below
Admiral has not published specific premium increase data for SP10 convictions. The figures below are based on Admiral's published data for speeding convictions generally. SP10 falls within the same speeding offence category so the figures are indicative of the likely impact. Your actual premium increase will depend on your insurer, vehicle type, age and individual circumstances.
According to data published by Admiral covering August 2024 to January 2025, drivers with speeding convictions carrying up to 3 points see an average premium increase of around 10%. For drivers who accumulate more than 7 points, that average rises to 42%.
The table below gives a general indication of how the severity of the offence can affect premiums:
| Band | How far over limit | Points | Typical premium increase (Admiral data)* |
|---|---|---|---|
| Band A | Up to 10mph over limit | 3 points | ~10% |
| Band B | 11 to 20mph over limit | 4 to 6 points | 10 to 26% |
| Band C | 21mph or more over limit | 6 points | 26 to 42% or more |
Note: These figures are indicative only and based on mainstream insurer data for speeding convictions generally. Your actual premium will depend on your individual circumstances, insurer, age, vehicle type and driving history. Figures should not be taken as a guarantee of the increase you will face.
SP10 vs specialist broker — what is the difference?
| SP10 severity | Mainstream insurer increase | Specialist broker rate |
|---|---|---|
| 3 points (Band A) | 10% to 25% | Often minimal loading |
| 4 to 6 points (Band B/C) | 25% to 50% | Specialist schemes available |
| 9 or more points (multiple convictions) | 50% to 100% or more | High risk panel. Quotes still possible. |
Note: Specialist broker rates are indicative only and will depend on your individual profile, insurer and circumstances.
Those figures apply to mainstream insurers. Drivers with an SP10 conviction should look to specialist convicted driver brokers who have experience pricing goods vehicle convictions. At MultiQuoteTime we provide access to a panel of specialist brokers. Click here to get started.
How Long Does an SP10 Stay on Your Licence?
An SP10 conviction stays on your driving licence for 4 years from the date of the offence
During this time you are legally required to declare it to any insurer when applying for or renewing car or commercial vehicle insurance. Most insurers ask about convictions in the last 5 years so you should expect to declare it for up to 5 years.
The good news is that as your conviction ages its impact on your premium will reduce. Most insurers apply the greatest loading in the first couple of years, with costs gradually coming down as you build a clean record. Failing to declare a conviction can invalidate your policy and result in any claim being refused.
Best Ways to Lower Your SP10 Insurance Premium
An SP10 conviction does not mean you have to pay over the odds. Here are the most effective steps goods vehicle drivers can take.
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Use a specialist broker. Mainstream insurers often load heavily or decline. Specialist convicted driver brokers know which insurers price SP10 fairly.
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Know your speed limits. Goods vehicles have lower limits than cars on many roads. Understanding what applies to your vehicle type is the most practical way to avoid a second conviction.
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Compare at every renewal. Your SP10 loading reduces each year. Always compare before renewing rather than accepting the auto-renewal price.
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Increase your voluntary excess. Agreeing to pay more in the event of a claim can reduce your annual premium.
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Consider driver training. Completing a recognised commercial driver training course shows insurers you are committed to safe driving.
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Improve vehicle security. Fitting an approved tracker or immobiliser can lower your premium by reducing the perceived theft risk.
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Keep your licence clean. No further convictions or claims will see your premium reduce year on year as your SP10 ages toward the 4 year removal date.
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Declare everything accurately. Non-disclosure invalidates your policy. Always declare your SP10 fully and honestly when applying for or renewing cover.