Car insurance
SP50 Insurance
car insurance for drivers with a motorway speeding endorsement, and what it means for the price
SP50 insurance is ordinary UK car insurance for a driver with an SP50 motorway 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.
- Motorway speeding endorsements
- Points declared in full
- Specialist insurers
- FCA authorised and regulated
Quick answerSP50 insurance is car insurance for a driver whose licence carries an SP50, the code for exceeding the speed limit on a motorway. An SP50 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 still quote for a single SP50, and specialist insurers look at speeding endorsements every day. Start your quote and UK providers can come back with quotes.
Caught speeding off the motorway? That is an SP30. See our SP30 insurance page.
At a glance
SP50 Cover, in Brief
Six things that decide how insurance behaves with a motorway speeding endorsement.
- What SP50 means
- Exceeding the limit on a motorway
- The points
- Between three and six
- How long it shows
- Four years from the offence
- Declare it
- While the conviction is unspent
- Cover still available
- Many insurers quote for one SP50
- Price effect
- Usually modest for a single offence
The basics
What Is SP50 Insurance?
Ordinary car insurance arranged for a driver whose licence carries an SP50. The cover is the same; the difference is that the endorsement is declared and priced.
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
How Do You Get a Quote With an SP50 on Your Licence?
You give the code, the points and the date, insurers price the endorsement alongside the car and the drivers, and you choose the cover.
You check the licence
The code, the points and the offence date, as the record shows them.
You describe the car
Registration, model and where it is kept overnight.
You name the drivers
Everyone who will drive, with any endorsements of their own.
You choose the terms
The level of cover, the excess and any black box.
What it covers
What Does SP50 Insurance Cover?
Exactly what any UK car policy covers at the level you choose. The endorsement changes the price and the choice of insurer, not what the policy 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 |
The endorsement never stops a claim on its own. What can is leaving it off the proposal, so declare it exactly as the licence record shows.
Exclusions
What Is Not Covered With an SP50?
The usual car exclusions apply, plus the one that matters most here: an endorsement left off the proposal.
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
How Does SP50 Differ From Other Speeding Codes?
Speeding is recorded under several SP codes. The code tells the insurer where the offence happened or which limit applied.
SP50
Exceeding the limit on a motorway.
SP30
Exceeding the limit on a public road.
SP10
Exceeding the goods vehicle speed limit.
SP20
Exceeding the limit for the type of vehicle.
SP40
Exceeding the passenger vehicle speed limit.
Repeat codes
More than one speeding entry.
Points reaching twelve? See our TT99 insurance page.
Who it suits
Am I Eligible for Cover With an SP50?
Any UK driver with an SP50 can usually get quotes. A single endorsement on an otherwise clean licence is treated more lightly than several, and age and experience shape the terms.
Drivers with one SP50
A single motorway endorsement.
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.
High-mileage drivers
Commuters and business users on motorways.
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.
SP50 or SP30
Is an SP50 Treated Differently From an SP30?
Usually not by much. Both carry the same range of points and stay on the record for the same time. The points and the number of entries tend to matter more than the code.
| SP50 | SP30 | |
|---|---|---|
| Where it happened | On a motorway | On any other public road |
| Penalty points | Three to six | Three to six |
| How long it shows | Four years from the offence | Four years from the offence |
| How insurers read it | Often rated alike | Often rated alike |
A more serious motorway offence? See our dangerous driving insurance page.
Cost
What Does an SP50 Do to the Price of Cover?
There is no typical price. The points, how recent the offence is, other entries, your age, the car and where it is kept all shape it. We do not print average premiums.
Why the points matter more than the code
Three points on an otherwise clean licence reads very differently from six, or from a second speeding entry.
Why time is on your side
The weight of the endorsement eases as it ages, and clean years since help at each 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
What Must You Tell an Insurer About an SP50?
Getting the declaration right is what keeps the policy sound. Four details come up again and again.
The exact code
SP50, as the licence record shows it, not a guess.
The points
How many were given, between three and six.
The offence date
It decides how long the entry still counts.
Any new offence mid-policy
Tell the insurer when it is confirmed, not at renewal.
Quote checklist
What Will You Be Asked for an SP50 Quote?
Six things shape the quote: the code, the date, the points, your other entries, the car and your claims record.
The offence code
SP50 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
What Matters When Comparing SP50 Quotes?
Four areas decide whether a policy suits you: the cover, the excess, the conditions and the wider terms. The price is only one of them.
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
How Can You Cut the Cost After an SP50?
The levers are honest disclosure, the car, a black box, the excess and time. We publish no savings figures.
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.
Build clean years
The effect often eases with time.
Compare specialist quotes
Insurers price endorsements differently.
Thinking about a black box? See our black box car insurance guide.
Glossary
Speeding Endorsement Terms in Plain English
The terms that come up most on a policy with a speeding endorsement.
- SP50
- The code for exceeding the speed limit on a motorway.
- 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.
- Main driver
- The person who drives the car most.
- 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 SP50 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
SP50 Insurance FAQs
Answers on cover, cost, eligibility, points, declaring an SP50 and how long it counts.
What is SP50 insurance?
Ordinary UK car insurance for a driver whose licence carries an SP50 motorway speeding endorsement. It offers the usual levels of cover, with the code, points and date declared so insurers can price it.
Who can get SP50 insurance?
Any UK driver with an SP50 can usually get quotes. A single endorsement on an otherwise clean licence is treated more lightly than several, and age and experience shape the terms.
What does SP50 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 SP50 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 shape it. We do not print average premiums.
What does SP50 mean?
It is the code added to a licence for exceeding the speed limit on a motorway. It carries between three and six penalty points, depending on the case.
How long does an SP50 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 check the question carefully.
Do I have to declare an SP50?
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.
Is an SP50 worse than an SP30?
Usually not by much. Both carry three to six points and stay on the record for the same time. The points and the number of entries tend to matter more than the code. See our SP30 insurance page.
Will insurers refuse me because of an SP50?
Rarely for a single offence. Some insurers price it harder than others, and specialist insurers look at speeding endorsements every day, so a quote is usually available.
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 SP50 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 another speeding endorsement?
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 page.
I passed my test recently. What happens with an SP50?
Six points within two years of passing means the licence is revoked and the test must be retaken. An SP50 can carry six on its own. See our young drivers car insurance page.
Are older drivers treated differently?
A long clean record can help set a single SP50 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 SP50?
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 SP50?
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 SP50?
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 SP50 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 SP50 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