This is driving on a public road exceeding the speed limit and here are the codes, particular traffic offence and the penalty points incurred. Offence codes SP10 to SP50 must stay on a driving licence for 4 years from the date of offence.
| Penalty code | Offence committed | Penalty points |
| SP10 | Exceeding goods vehicle speed limits | 3-6 |
| SP20 | Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles) | 3-6 |
| SP30 | Exceeding statutory speed limit on a public road | 3-6 |
| SP40 | Exceeding passenger vehicle speed limit | 3-6 |
| SP50 | Exceeding speed limit on a motorway | 3-6 |
Totting-up penalty points
Remember, the more penalty points you tot up, the more impact it will have on your bike insurance. Also, if you build up 12 or more penalty points within a period of three years, you’ll be liable to be disqualified under the totting-up system. This is shown on your licence as TT99.
Fixed Penalty or Court Summons?
If you’re caught on camera or by the traffic police exceeding the legal speed limit, you’ll either receive a Fixed Penalty Notice or may be summoned to court. Below is a table of the current guidelines given to the Association Of Police Officers which sets out the minimum figures at which a Fixed Penalty Notice and a Court Summons would normally be considered appropriate for speeding.
| Speed limit | Fixed Penalty | Court Summons |
| 20 Mph | 25 Mph | 35 Mph |
| 30 Mph | 30 Mph | 50 Mph |
| 40 Mph | 46 Mph | 66 Mph |
| 50 Mph | 57 Mph | 76 Mph |
| 60 Mph | 68 Mph | 86 Mph |
| 70 Mph | 79 Mph | 96 Mph |
If found guilty of speeding, the minimum you can expect is a £60 fine and 3 penalty points on your license, which will of course affect your motorbike insurance premiums.Points, Fines and Disqualifications
The worst case scenario, for instance if you were doing 30mph or more over the speed limit, would be an automatic disqualification from driving and a fine of up to £5,000 in the Magistrates Court. It’s worth noting that there’s no limit to the amount the Crown Court can fine, but the amount will always take into account the seriousness of the offence and the offender’s ability to pay.
Guilty? Accept the Fixed Penalty.
If you know you’re guilty of the offence and you’re offered a Fixed Penalty, then we’d recommend that you accept this rather than trying to wheedle out of it. Yes, your licence will be endorsed with the minimum number of penalty points (don’t forget to inform your bike insurance provider of this) but, in our experience, the fine is likely to be far less than costs incurredif you go to a court and are found guilty.
Got speeding convictions and looking for value for money motorbike insurance?