Can I Get Car Insurance with Multiple Speeding Points
Speeding offences appear on your licence with SP codes. The most familiar is SP30, which covers speeding on a public road. Depending on how far over the limit you were, the offence can carry 3 to 6 points and a fine.
Key points to know
- The usual fixed penalty is £100 and 3 points. See GOV.UK – Speeding penalties.
- Under totting-up (TT99), 12 points within 3 years can lead to a driving ban. Check the rules on GOV.UK – Penalty points.
- New drivers face a stricter rule: 6 or more points within 2 years of passing your first test means your licence is revoked. See the guidance for new drivers.
- For speeding, points usually stay on your record for 4 years. Details are at How long endorsements stay on your driving record.
- For lower-level cases, you may be offered a speed awareness course instead of points. Read UKROEd’s course FAQ and the police guide to what happens after a camera notice.
How Speeding Points Affect Insurance
Insurers look at your whole driving history when they set a price, and speeding points are part of that picture. Points suggest a higher chance of future claims, so premiums often rise for a period after the offence. The size of the change depends on how many points you have, how recent they are, your vehicle, your postcode, and your age.
If you collect several points in a short time, fewer insurers may be willing to quote, and some may decline altogether. That does not mean you have no options, but you may need to look more widely for cover. Be accurate when you get a quote, give the exact offence code (for example, SP30) and the dates. If you fail to declare convictions when asked or give inaccurate information, the insurer can invalidate or cancel the policy. For a consumer view on typical impacts, see Which? – Penalty points and premiums.
Do I Need to Tell My Insurer, and When?
This depends on your policy wording. Many policies ask you to declare new convictions at renewal, while some require you to notify them sooner. Always check your documents, and if you are unsure, call your insurer for guidance. For definitions and time limits, start with GOV.UK – Penalty points.
Van Drivers: The Picture Is Similar
If you drive a van, the underlying approach is the same. Points must be declared when the quote or policy asks, and premiums may increase as a result. Vans used for business often cover more miles or carry tools and stock, so the base premium can be higher; adding points may push the price further.
Finding Insurance When You Have Points
Some mainstream insurers may decline if you have several points on your licence, yet specialist brokers and insurers can still help. These providers price policies with your history in mind and can often handle more complex records. Keeping a clean record after the offence matters. As points age and later drop off your record, premiums can stabilise.
About Got You Covered
Got You Covered is a UK insurance broker that helps drivers with past motoring convictions, including speeding. We can assist if you have SP codes, a recent ban, a low or zero no-claims bonus, or if you are struggling to find quotes on comparison sites.
Explore:
Conclusion
Speeding points affect both your licence and your insurance, but they do not close off your options. Declare them when asked, check your policy for reporting rules, and compare quotes to find a fair price that works for you. With accurate information, safer driving, and support from a specialist broker, many drivers secure suitable cover and keep moving forward. When you are ready, visit our pages for Car insurance for convicted drivers and Van insurance for convicted drivers.
Frequently Asked Questions
Do I need to tell my insurer now, or can I wait for renewal?
Check your policy terms. Many insurers ask at renewal, while some require earlier notification. If in doubt, call your insurer.
Will my insurance always be higher after points?
Not always. Premiums are usually higher at first, but they can fall if you avoid further offences and build a claim-free record.
Do speed awareness courses affect insurance?
A course can replace points for that offence. Course data is not shared with insurers, but some providers may still ask if you have taken one; answer the question truthfully.
Our latest articles.
The latest news and advice from our industry experts.
