Car Insurance with Speeding Convictions
Struggling to find cheap car insurance with points on your licence? Let us help!
- Specialist insurance for drivers with SP30 & SP50 speeding convictions
- Policies with leading UK insurance companies
- Great value cover and affordable payment plans available
If you’ve been caught driving over the speed limit and given an SP30 or SP50 driving conviction, you’ve likely seen an increase in the cost of your insurance policy. At Complete Cover Group we offer a fair price for cover rather than judging or taking advantage or your previous mistakes, so if you’re a driver with speeding convictions, ask us for a quote for your insurance.
How Can Complete Cover Group Help with Insurance with Speeding Convictions in the UK?
At Complete Cover Group, we know that your previous mistakes don’t necessarily pave the way for your future. Because of this, our expert brokers will work with our panel of specialist insurers to ensure that you pay a fair and affordable price for your motor insurance, even if you’ve been convicted of speeding.
So if you’ve got points on your licence or have received speeding convictions, contact us today for a quick and easy quote.
What’s the difference between SP30 and SP50 speeding convictions?
SP30 – Exceeding Statutory Speed Limit on Public Road
One of the most common speeding offences is exceeding the limit on a public road (not a motorway). There are many speed cameras and traffic police in place to catch offenders and reduce the prevalence of this.
SP50 – Exceeding Speed Limit on a Motorway
This offence relates solely to exceeding the speed limit on a motorway. This is a different offence because the speed allowed on a motorway is higher; to be convicted, a driver would have to have been exceeding 70mph.
What are the penalties for speeding?
You will receive a minimum fine of £100.
You will get between 3 to 6 points on your licence depending on the type of offence. You may be given the option of taking a speed awareness course instead of receiving points. This can happen if it’s your first speeding offence or you haven’t attended a course within the last three years.
|SP10||Exceeding goods vehicle speed limits||3 to 6|
|SP20||Exceeding the speed limit for type of vehicle (excluding goods or passenger vehicles)||3 to 6|
|SP30||Exceeding the statutory speed limit on a public road||3 to 6|
|SP40||Exceeding the passenger vehicle speed limit||3 to 6|
|SP50||Exceeding the speed limit on a motorway||3 to 6|
|SP60||Undefined speed limit offence||3 to 6|
If the points you receive result in getting 12 or more points within 3 years, you may receive a TT99 disqualification under the ‘totting-up’ procedure. Note that if you are a new driver and have passed your test within the last 2 years and you get 6 or more points, your licence may be revoked.
Your insurance premiums will most likely be more expensive than they were before, especially if you are a young driver. No matter your situation, Complete Cover can help you find an affordable quote.
How long does a speeding conviction last?
Speeding endorsements will stay on your licence for 4 years from the date of the offence.
Do speed awareness courses affect insurance
Neither the police, course provider or the DVLA will inform your insurance company of your attendance.
Going to an awareness course isn’t classed as a conviction so it doesn’t have to be declared like a speeding endorsement does. However, if your insurer asks you whether you’ve attended a speed awareness course you should tell them otherwise your policy may not be valid. Some companies may increase your premium but this could be less than having points on your licence.
Click for an online quote or speak to our team on 0800 997 8232
Select Additional Products
To make sure that all of our customers experience the same level of claims service, regardless of the insurer they choose, we sell Motor Legal Cover with all car policies.
Motor Legal Cover provides up to £100,000 for legal expenses to help you recover any financial losses from a non-fault claim, such as lawyers’ fees, expenses relating to repair costs and recovering your excess. You’ll also get assistance arranging a courtesy car if you’re involved in an accident that wasn’t your fault.
Whether you use your car for work, the school run, family holidays or business trips abroad, we offer a range of breakdown policies to suit your budget and needs. Our breakdown cover also protects vehicles up to 20 years old!
Check the table below to see which level of cover is best for you:
|Benefits||Roadside Assistance||Motor Assistance
UK & EU
|Roadside Assistance – 10 Mile Limit|
|Roadside Assistance & Nationwide recover Service|
|Alternative Travel or Accommodation|
Call us on 0800 997 8232 to add this to your cover.
Excess Recovery will refund all or part of your excess in the event of a claim for an accident, a theft or fire, or an incident where there is no third party to claim from.
Adding just £36.95 to your policy, for example, would mean a reimbursement of £350 of your excess, which in many cases could mean you lose nothing at all! See below to choose the best option for you:
|TPF&T or Comprehensive|
Call us on 0800 997 8232 to add this to your cover.
With most comprehensive policies providing only a limited amount of personal accident cover, and third party, fire and theft policies rarely providing any at all, Personal Accident cover is a cost effective way to ensure that you and your passengers are provided for in the event of a death or serious injury.
Key benefits include:
- Payments of up to £25,000 EACH for the policy holder, named drivers and any passengers injured.
- Payments are made whether the claim is fault or non-fault.
- Cover is provided whilst travelling in, getting into and getting out of the insured vehicle, as well as injuries suffered as a result of assault or road rage.
- Payments will be made in addition to any other payout you receive from your motor insurance policy.
Only £29.95 for the year. Call us on 0800 997 8232 to add this to your cover.
Make sure you’re not stuck if your car is off the road after an accident or theft.
Your insurance company may provide you with a courtesy car if an accident wasn’t your fault, but if you have a fault claim or an accident where there is no third party to claim from, you are unlikely to be provided with a replacement car.
With Replacement Car you’ll be provided with a car for up to 21 days or money towards transportation costs, regardless of whether the claim was your fault or not
Only £32.95 for the year. Call us on 0800 997 8232 to add this to your cover.
Do you want windscreen protection without the cost of upgrading to comprehensive cover?
This stand-alone windscreen cover policy provides protection against the kind of damages that can make your car unsafe to drive or cause you to fail your MOT. The kind of loses you won’t be covered for if you’ve chosen to buy a third party only or a third party, fire and theft policy.
Windscreen Cover provides up to £500 worth of repair or replacement costs in a 12 month period.
Only £37.95 for the year. Call us on 0800 997 8232 to add this to your cover.
The cost of replacing lost, stolen or damaged gadgets can quickly mount up, so at £41.95 for the year Gadget Cover could be the most cost effective way to protect your valuable electronics. Cover includes protection for a wide range of electrical items including mobile phones, iPhones, sat navs, laptops, tablets, iPads, iPods, cameras, camcorders, and Kindles.
Benefits of Gadget Cover
- Protects your valuables inside or outside your vehicle, meaning you can claim for gadgets without having to pay your car insurance excess or risk losing your no claims bonus.
- You can avoid claiming for lost, stolen or damaged gadgets on your household contents insurance, meaning you won’t pay a large household policy excess.
- Could save you the cost of a separate mobile phone insurance policy!
Only £41.95 for the year. Call us on 0800 997 8232 to add this to your cover.
Protect yourself against the costs that come with losing your keys.
Key Care covers costs incurred through the loss or theft of vehicle keys, including locksmith charges, new keys, car hire costs and reprogramming immobilisers.
Only £17.95 for the year. Call us on 0800 997 8232 to add this to your cover.