Car insurance
SP30 Insurance
car insurance for drivers with a speeding endorsement on an ordinary road, and what it means for the price
SP30 insurance is ordinary UK car insurance for a driver with an SP30 speeding endorsement. It offers third party up to comprehensive cover, with the code, the points and the date declared so insurers can price it alongside the car and your record.
- Speeding endorsements
- Points declared in full
- Specialist insurers
- FCA authorised and regulated
Quick answerSP30 insurance is car insurance for a driver whose licence carries an SP30, the code for exceeding the speed limit on a public road other than a motorway. It carries between three and six penalty points, stays on the licence record for four years from the date of the offence, and has to be declared while it is unspent. Many insurers quote for a single SP30. Start your quote and UK providers can come back with quotes.
Caught speeding on a motorway? That is an SP50. See our SP50 insurance page.
At a glance
SP30 Cover, in Brief
Six things that decide how insurance behaves with a speeding endorsement on an ordinary road.
- What SP30 means
- Over the limit on an ordinary road
- The points
- Three on a fixed penalty, up to six in court
- How long it shows
- Four years from the offence
- Declare it
- While the conviction is unspent
- Cover still available
- Many insurers quote for one SP30
- Price effect
- Usually modest for a single offence
The basics
What Is SP30 Insurance?
Ordinary car insurance arranged for a driver whose licence carries an SP30. Nothing about the cover is special; the endorsement is declared and the insurer prices it.
Third-party cover
Injury to others and damage to their property.
Fire and theft
The car if stolen or burnt out, on higher levels.
Comprehensive cover
Damage to your own car as well.
Endorsement declared
The code, the points and the date.
Telematics options
A black box can help on some policies.
Clean years since
Count in your favour at renewal.
How it works
What Happens When You Ask for a Quote With an SP30?
You give the code, the points and the date, insurers rate the endorsement with the car and the drivers, and you pick the cover and the excess.
You check the record
The code, the points and the offence date, exactly as recorded.
You find the car
Registration, model and where it sleeps at night.
You list the drivers
Everyone who will drive, with any endorsements of their own.
You pick the terms
The level of cover, the excess and any black box.
What it covers
What Does SP30 Insurance Cover?
The same as any UK car policy at the level you choose. An SP30 changes the price and which insurers quote, not what a claim pays for.
| Section | Where it sits | What to know |
|---|---|---|
| Injury and damage to others | Core | Included at every level |
| Fire and theft | Core on higher levels | Subject to security conditions |
| Accidental damage | Comprehensive | Repairs to your own car |
| Windscreen | Often included | Can carry a separate excess |
| Courtesy car | Often included | Usually while an approved repairer fixes yours |
| Telematics | On some policies | Can support a lower price |
| European driving | On many policies | Check the level of cover and the days allowed |
An SP30 does not void a claim by itself. Leaving it off the proposal can, so give it exactly as the licence record shows.
Exclusions
When Can an SP30 Leave You Without Cover?
Only when it is hidden. The usual car exclusions still apply, and an endorsement left off the proposal is the one that catches drivers out.
Undeclared endorsements
Codes left off the proposal.
Driving while disqualified
Not covered at any level.
Undeclared drivers
Someone driving who is not named.
Driving while unfit
Under the influence of drink or drugs.
Undeclared use
Commuting or business not on the policy.
Undeclared modifications
Changes the insurer was not told about.
Speeding codes
Where Does SP30 Sit Among Speeding Offences?
SP30 is the general speeding code. The others record a motorway, a vehicle type or a goods or passenger vehicle limit.
SP30
Over the limit on a public road.
SP50
Over the limit on a motorway.
SP10
Over the goods vehicle speed limit.
SP20
Over the limit for the type of vehicle.
SP40
Over the passenger vehicle speed limit.
Repeat codes
More than one speeding entry.
Points reaching twelve? See our TT99 insurance page.
Who it suits
Can You Still Get Car Insurance With an SP30?
Yes, in almost every case. One SP30 on an otherwise clean licence is routine for insurers. Several entries, a young driver or a powerful car narrow the choice.
Drivers with one SP30
A single fixed penalty on record.
Drivers with repeat entries
More than one speeding code.
Young drivers
Where points weigh heavily on the price.
Older drivers
Long clean records with one entry.
Town and village drivers
Where lower limits catch people out.
Drivers declined elsewhere
Where a mainstream insurer will not quote.
Under 25? See our young drivers car insurance page. Over 50? See our over 50s car insurance page.
Points or course
Points or a Course: How Do Insurers See Each?
A speed awareness course, where one is offered, leaves no points and no code. An SP30 means points, an endorsement and a question to answer on every quote.
| SP30 | Awareness course | |
|---|---|---|
| Points | Three to six | None |
| Code on the record | SP30 for four years | Nothing recorded |
| Asked about on a quote | Yes, while unspent | Only where the insurer asks about courses |
| Effect on price | Usually some | Usually none |
A more serious offence? See our dangerous driving insurance page.
Cost
Does an SP30 Raise Your Car Insurance Premium?
Often a little, sometimes not at all. The points, how recent the offence is, other entries, your age, the car and the postcode decide it. We do not print average premiums.
Why three points read differently from six
A fixed penalty on an otherwise clean licence is a small mark. Six points from a court, or a second entry, tells an insurer something more.
Why the date matters as much as the code
An offence from last month weighs more than one from years ago, and each clean year since helps at renewal.
What the quote is rated on
The main factors
- The endorsementPoints and how recentBase
- Other entriesAny further codesRate
- The carGroup and valueRate
- PostcodeWhere it is keptRate
- Record sinceClaims and clean yearsAdjust
Telematics
Careful driving can count towards the price.
A modest car
A lower insurance group can help. See our insurance groups guide.
Time since the offence
The effect often eases with each year.
Declaring it
How Do You Declare an SP30 Correctly?
Give insurers what the licence record shows, not what you remember. Four details matter.
The code as recorded
SP30, not "speeding" or a guess at the code.
The points given
Three on a fixed penalty, or what the court set.
The offence date
Not the date you paid or went to court.
A new entry mid-policy
Tell the insurer once it is confirmed, not at renewal.
Quote checklist
Which Details Does an SP30 Quote Need?
Six things shape the quote: the code, the date, the points, your other entries, the car and your claims record.
The offence code
SP30 as shown on the record.
The date
When the offence happened.
The points
How many were given.
Other entries
Any further codes on the licence.
The car
Registration, model and group.
Claims record
Recent claims and clean years.
Comparing
Which Differences Between SP30 Quotes Matter Most?
Two quotes at a similar price can differ on cover, excess, conditions and terms. Those four decide which one actually suits you.
The cover
- Level of cover offered
- Courtesy car
- Windscreen cover
The excess
- Compulsory excess
- Voluntary excess
- Any extra conviction excess
Conditions
- Telematics requirements
- Mileage limits
- Named driver rules
Terms
- Payment options
- Cancellation terms
- What happens after another offence
Add up the total excess. Some insurers add a conviction excess on top of the usual amounts. See our car insurance excess guide.
Cutting costs
What Brings the Price Down Once an SP30 Ages?
Time does most of the work, helped by honest disclosure, the car, a black box and the excess. We publish no savings figures.
Let clean years build
The effect often eases each year.
Declare everything
Accurate disclosure keeps the policy sound.
Choose a modest car
A lower insurance group can help.
Consider a black box
Careful driving can help at renewal.
Choose the excess deliberately
A higher voluntary excess is a lever, worth using only at a level you could pay.
Compare at every renewal
Insurers price endorsements differently.
Thinking about a black box? See our black box car insurance guide.
Glossary
The Language of Points and Penalties
The words that come up most when a quote involves a speeding endorsement.
- SP30
- The code for exceeding the speed limit on a public road.
- Fixed penalty
- A fine and points accepted without going to court.
- Endorsement
- An offence code and points recorded against a licence.
- Penalty points
- Points added to a licence after an offence.
- Unspent conviction
- A conviction still treated as current, which needs declaring when asked.
- Totting up
- Reaching twelve points, which can lead to a ban.
- Speed awareness course
- A course offered instead of points for some offences.
- Named driver
- Someone else allowed to drive the car under the policy.
- No claims bonus
- A discount built up through claim-free years.
- Compulsory excess
- The part of a claim the insurer sets that you pay.
Why MyMoneyComparison.com
Why Compare SP30 Insurance with MyMoneyComparison.com?
MyMoneyComparison.com is an FCA-authorised UK comparison service that introduces drivers to specialist brokers. We do not sell insurance and we do not give advice: the broker you choose arranges the policy. Using us is free.
One form, one car
Describe the car once, instead of repeating yourself to each broker.
Advice given
We are an introducer, not a broker. We do not sell policies and we do not recommend one insurer or product over another. Read our editorial policy.
Authorised and regulated
MyMoneyComparison.com Ltd appears on the FCA register under FRN 916241.
Incorporated
A UK company since 2013. FCA authorisation is separate and later; the register carries its date.
FAQs
SP30 Insurance FAQs
Answers on cover, cost, eligibility, points, courses and how long an SP30 counts.
What is SP30 insurance?
Ordinary UK car insurance for a driver whose licence carries an SP30 speeding endorsement. It offers the usual levels of cover, with the code, points and date declared so insurers can price it.
Who can get SP30 insurance?
Almost any UK driver with an SP30 can get quotes. A single endorsement on an otherwise clean licence is routine for insurers, while several entries, a young driver or a powerful car narrow the choice.
What does SP30 insurance cover?
The same as any car policy at the level you choose: third party, third party fire and theft, or comprehensive. Windscreen, courtesy car and European driving vary by insurer.
How much does SP30 insurance cost?
There is no typical price. The points, how recent the offence is, other entries on your licence, your age, the car and the postcode all play a part. We do not print average premiums.
What does SP30 mean?
It is the code added to a licence for exceeding the speed limit on a public road that is not a motorway. A fixed penalty usually carries three points; a court can give up to six.
How long does an SP30 stay on my licence?
Speeding codes stay on the driving record for four years from the date of the offence. Insurers usually ask about convictions from a set number of recent years, so read the question carefully.
Do I have to declare an SP30?
Yes, while the conviction is unspent and whenever an insurer asks about motoring convictions. Leaving it out can lead to a claim being refused or the policy being cancelled.
Will one SP30 put my premium up?
Often a little, and sometimes not at all. A single SP30 with three points is a familiar entry for insurers, and many price it lightly, especially once it is a year or two old.
Is an SP30 treated differently from an SP50?
Usually not by much. Both carry three to six points and stay on the record for the same time; the SP50 just records that it happened on a motorway. See our SP50 insurance page.
Do I declare a speed awareness course?
Only if the insurer asks about courses as well as convictions. A course means no points and no code, but some insurers ask the question directly, and an honest answer is the safe one.
Does an SP30 affect my no claims bonus?
No. A bonus is built on claim-free years, and an endorsement is separate. The offence can still raise the price, because insurers rate convictions and bonus years independently.
What if I get a second SP30?
A second entry usually weighs more than the first, and the choice of insurer narrows. Points reaching twelve can lead to a ban. See our TT99 insurance and convicted drivers insurance pages.
I passed my test recently. What happens with an SP30?
Six points within two years of passing means the licence is revoked and the test must be retaken. Two fixed penalty SP30s would reach that. See our young drivers car insurance page.
Are older drivers treated differently?
A long clean record can help set a single SP30 in context, though it still has to be declared in full. See our over 50s car insurance page.
Can I insure a classic or imported car with an SP30?
Usually, yes. Specialist classic and import insurers set their own conviction rules, and a single speeding entry is often accepted. See our classic car insurance and import car insurance pages.
Can I insure a modified or kit car with an SP30?
Often, yes, though a performance car and a speeding entry together can narrow the choice. Declare every change and the endorsement. See our modified car insurance and kit car insurance pages.
Can a black box help after an SP30?
It can. Telematics lets careful driving count towards the price, and some insurers offer better terms to drivers with an endorsement who accept one. Read any curfew or mileage terms first.
How do I compare SP30 quotes?
Look beyond the price to the level of cover, the total excess including any conviction excess, telematics conditions, payment terms and what happens if another offence lands during the policy year.
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About this page
This page explains UK car insurance with an SP30 speeding endorsement: what it covers, who can get it, and how the points, the date and other entries shape a quote. It is general information rather than advice. Policies differ between insurers, so read your own documents and put the questions raised here to your insurer or broker.
How we approached this page
- Published UK specialist motor policy summaries
- UK guidance on endorsement codes and penalty points
- Financial Ombudsman material on motor and liability complaints