SP30 Car Insurance
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Get multiple quotes from specialist convicted driver insurance brokers. Cover available for SP30 speeding convictions and other motoring offences.
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Insurers price SP30 differently
An SP30 could add 10% with one insurer but barely change your quote with another. We match your profile to brokers who specialise in SP30 convictions.
Mainstream insurers often say no
Some insurers won’t quote you after points. Our specialist panel accept SP30 drivers every day and know which insurers price fairly.
One form, multiple brokers
Reaching specialist insurers on your own takes all day. MultiQuoteTime connects you with FCA regulated brokers from one short form.
MultiQuoteTime is helping you to find affordable SP30 car insurance fast.
Access a panel of specialist brokers — all SP30 speeding convictions and points on licence covered
What is SP30 Car Insurance?
SP30 is the DVLA conviction code for exceeding the statutory speed limit on a public road
An SP30 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 SP50 motorway speeding conviction, an SP30 applies to all other non-motorway carriageways, whether that is a 30mph zone or a 60mph road. It is one of the most common motoring conviction codes in the UK.
If you have received an SP30 conviction, finding affordable car insurance can be more difficult. It will place you into a higher risk category and insurers will add a premium to cover that increased risk. At MultiQuoteTime we provide access to a panel of specialist convicted driver brokers — your requirements are matched to brokers whose domain of expertise covers your specific conviction, age and vehicle.
SP30 is the most common speeding conviction code in the UK. According to GOV.UK vehicle speed compliance statistics, 205,522 people were found guilty of a speed limit offence in 2024, that is an increase of 87% since 2011. If you have received an SP30 you are far from alone. We provide you with direct access to specialist convicted driver brokers help thousands of drivers in exactly this situation find affordable cover every year.
Total drivers found guilty of speed limit offences in the UK.
The surge in speeding convictions recorded since 2011.
Car drivers observed exceeding the 30mph speed limit in 2024.
Guide To SP30 Driving Offence Insurance
Exceeding the speed limit while driving on a public road will get you an SP30 endorsement. This is a vital factor to disclose when applying for convicted driver car insurance.
Should I Declare My SP30 to My Insurer?
Yes — you must declare an SP30 conviction to your insurer
Failing to declare an SP30 conviction invalidates your insurance policy. Any claim you make could be refused and you could face further legal consequences.
You are legally required to declare an SP30 conviction to your insurer for the full period it remains on your licence — 4 years from the date of the offence. Most insurers also ask about convictions in the last 5 years when you apply for or renew a policy, so you should expect to declare it for up to 5 years.
You must also tell your current insurer about an SP30 as soon as you receive it — not just at renewal. Most policy agreements include a clause requiring immediate notification of any new convictions. Failing to do so can invalidate your policy and result in any future claim being refused. Always check your policy documents if you are unsure of your specific obligations.
Expert verdict — yes, you must declare it
Failing to disclose an SP30 conviction immediately invalidates your insurance policy. In the event of a claim, your insurer may refuse to pay out, leaving you personally liable for damages and facing potential legal prosecution for driving without valid insurance.
SP30 Penalty Points & Sentencing
The penalty you receive for an SP30 offence will depend on how far over the speed limit you were travelling. The courts use a banding system to determine the appropriate fine, ranging from a fixed penalty notice for lower level offences through to a court summons for the most serious cases. Use our speeding fine calculator to estimate your fine based on your salary and speed recorded.
| Code | Offence | Points | Maximum Fine | On Licence |
|---|---|---|---|---|
| SP10 | Exceeding 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 |
| SP40 | Exceeding passenger vehicle speed limit | 3–6 | £1,000 | 4 years |
| SP50 | Exceeding speed limit on a motorway | 3–6 | £2,500 | 4 years |
| SP60 | Undefined speed limit offence | 3–6 | £1,000 | 4 years |
* 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).
SP30 Speeding Fine Calculator
Use our free calculator to estimate your potential fine based on your salary and the speed recorded. Fines are calculated as a percentage of your weekly take-home pay — the faster you were travelling over the limit, the higher the band and the larger the fine.
* These figures are indicative only. Fines are calculated as a percentage of weekly take-home pay and are subject to a minimum of £100 and maximum of £1,000. Actual fines will depend on your individual circumstances and the discretion of the court. Source: Sentencing Council — Speeding (Revised 2017).
SP30 vs SP50 — What's the Difference?
SP30 and SP50 are both speeding conviction codes but they apply to different types of road. The key difference is that an SP30 applies to all non-motorway carriageways, while an SP50 is issued for motorway speeding only. The maximum fine for an SP30 is £1,000 compared to £2,500 for an SP50, reflecting the greater danger associated with motorway speeds.
| SP30 | SP50 | |
|---|---|---|
| Road type | Any public non-motorway carriageway | Motorway only |
| Speed limit | Varies (20, 30, 40, 50, 60mph) | 70mph national motorway limit |
| Penalty points | 3–6 points | 3–6 points |
| Maximum fine | £1,000 | £2,500 |
| Possible ban | 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 |
| Insurance impact | Premiums increase — higher risk category | Premiums increase — viewed more seriously due to motorway speeds |
If you have an SP50 conviction rather than an SP30, visit our dedicated SP50 page for more information on how it affects your insurance and how to find the best quotes.
How Does an SP30 Conviction Affect Your Insurance Cost?
An SP30 conviction will increase your car insurance premium. The amount varies depending on your age, driving history, the speed recorded, and how individual insurers assess risk — but data gives us a clear picture of what to expect.
According to data published by Admiral covering August 2024 to January 2025, drivers with SP30 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 | Speed recorded | Points | Typical premium increase (Admiral data)* |
|---|---|---|---|
| Band A | Up to 10mph over limit | 3 points | ~10% |
| Band B | 11–20mph over limit | 4–6 points | 10–26% |
| Band C | 21mph+ over limit | 6 points | 26–42%+ |
* These figures are indicative only and based on mainstream insurer data. Your actual premium will depend on your individual circumstances, insurer, age, vehicle, and driving history. Figures should not be taken as a guarantee of the increase you will face.
Those figures can look alarming, but it is important to understand that Admiral is a mainstream insurer. Drivers with convictions should also look to specialist convicted driver insurance companies that specialise in finding more affordable car insurance. At MQT we can provide you access to a panel of providers — simply click here to get started.
SP30 vs specialist broker — what's the difference?
| SP30 severity | Mainstream insurer increase | Specialist broker rate |
|---|---|---|
| 3 points (Band A) | ~10% to 25% | Often minimal loading |
| 6 points (Band B/C) | ~25% to 50% | Specialist schemes available |
| 9+ points (multiple convictions) | 50% to 100%+ | High-risk panel — quotes still possible |
* Specialist broker rates are indicative only and will depend on your individual profile, insurer and circumstances.
Claim Protection: What SP30 Insurance Won't Cover
A single policy breach can lead to a declined claim or a voided policy. To stay protected, be aware of these common industry exclusions.
Non-Disclosure
Failing to mention your SP30 or other points is "misrepresentation." Insurers may void the policy from the start date, leaving you with no cover.
Impaired Driving
Standard and specialist policies exclude any damage or liability caused if the driver is under the influence of alcohol or drugs.
Licence Status
If your points led to a "totting up" ban or revocation and you have not regained a valid licence, any policy you hold is technically invalid.
Undeclared Mods
Any performance or aesthetic changes made after manufacture must be declared. Performance mods are a major "red flag" if not on the certificate.
Mileage Discrepancy
Significant "under-guessing" of annual mileage can lead to a proportionate reduction in claim payouts or a complete refusal of cover.
Unlisted Drivers
Unless you have a specific "any driver" policy, letting an unlisted person drive your car usually terminates all legal cover for that journey.
How Long Does an SP30 Stay on Your Licence?
An SP30 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 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 SP30 Insurance Premium
Having an SP30 conviction does not mean you have to pay over the odds. Here are the most effective steps you can take to reduce your premium.
Your SP30 loading reduces each year as the conviction ages. The quote you received last year may not be the best available this year. Always compare before renewing.
Specialist brokers work with insurers who have real experience pricing SP30 convictions. They will often find more competitive quotes than mainstream insurers.
A black box monitors your driving behaviour. Demonstrating safe driving after an SP30 can bring your premium down significantly at renewal.
Agreeing to pay more in the event of a claim reduces your premium. Make sure you can afford the excess amount before choosing this option.
The fewer miles you drive the lower your statistical risk. If your circumstances allow, reducing your declared annual mileage can bring your premium down.
Monthly payments typically include interest charges that increase the overall cost. Paying your premium upfront annually is almost always cheaper.
Fitting a Thatcham-approved alarm, immobiliser or tracker can help reduce your premium by lowering the perceived theft risk of your vehicle.
No further convictions or claims will see your premium reduce progressively as your SP30 ages toward the 4 year removal date.
Will I be able to take a speed awareness course instead of points?
| Road Speed Limit | Speed Awareness Course Threshold | Notes |
|---|---|---|
| 20 mph | Up to 31 mph | Eligibility varies by police force. |
| 30 mph | Up to 42 mph | Course usually offered once every 3 years. |
| 40 mph | Up to 53 mph | Not guaranteed—force discretion applies. |
| 50 mph | Up to 64 mph | Camera or officer discretion. |
| 60 mph | Up to 75 mph | Driver must not have taken a course in last 3 years. |
| 70 mph | Up to 86 mph | Higher speeds normally lead to prosecution. |
Reference: Speed Awareness Course eligibility follows national guidance as outlined on the official Police website: police.uk .
