Speeding fines and penalties

If you’re caught speeding, there are different penalties you may face – we’ve pulled together a guide so you know what you may face should you break the law.

Megan Roberts (Marketing Executive)

By Megan Roberts

Updated on Dec 7th, 2020

We like to think that all drivers are well behaved behind the wheel, and stick to all the speed limits as they should. Whilst our black boxes help young drivers do this, we know that not everyone who drives does so with the law in mind, and can break the speed limits in place. In extreme cases you could be fined up to 175% of your weekly income. We’ve created this handy guide to show drivers what they can expect if they’re caught breaking the speed limit.

New drivers beware! Your driving licence will be taken away if you build up more than 6 penalty points within the first 2 years of passing your test. If you have been driving for more than 2 years, you can be disqualified from driving if you build up 12 or more penalty points within a 3 year period.

Speeding penalties

The minimum penalty you will receive for speeding is a £100 fine and 3 penalty points being added to your licence. The maximum possible fine for speeding is £1,000 (£2,500 if you’re speeding on a motorway). 

How are speeding penalties issued?

Speed camera

If you’re caught speeding by a speed camera, within 14 days of the offence you will receive:
  • Notice of Intended Prosecution (NIP)
  • Section 172 notice - to be signed and returned within 28 days, telling the police who was driving.
After returning the Section 172, you’ll be sent a Fixed Penalty Notice (FPN). If you ignore the original notice, you may have to go to court.

Stopped by police

If you’re seen speeding by the police and you’re stopped at the side of the road, they can:
  • Give you a verbal warning
  • Issue you with an Fixed Penalty Notice (FPN)
  • Order you to go to court

How much is a speeding fine?

The minimum fine for speeding is £100, but you could be fined up to 175 per cent of your weekly income – if you are driving excessively over the speed limit.

Understanding a Fixed Penalty Notice (FPN)

If you get an FPN, you will have the option to plead guilty or not guilty.

If you plead guilty

You’ll have to pay the fine presented to you and have the points put on to your licence unless you’re given the option to attend a speed awareness course instead. You will only be given the option to go to a speed awareness course if it is your first offence, or you haven’t been on one in the last 3 years.

If you plead not guilty

Pleading not guilty means you will have to go to court, and you could be fined more (and given more penalty points) if the court decides that you are guilty of speeding. You could also be disqualified from driving, or have your licence suspended. We’re sure that many of you don’t speed, but unfortunately, there are some drivers that ignore the speed limits put in place. Not only is this a crime, but it also puts themselves and other drivers in danger. Speed limits are put into place for a reason, so make sure you never have to follow this advice and stick to them. 

How to avoid a speeding fine

We think the answer to this is pretty simple - stick to the speed limit and you will be just fine. To help you understand more about speed limits and how to tell what the speed limit is if you've missed a sign, we've written a handy guide to UK speed limits.

Get on the road with Marmalade!

There are more insurance options than you think to enjoy driving freedom in your own car or a family car – from short-term cover to annual cover – and even insurance by the mile!
Compare young driver insurance options and discover how you can find the best cover for your budget!
Megan Roberts (Marketing Executive)

By Megan Roberts

Hi, I'm Megan - I have recently graduated from university and I'm a marketing executive at Marmalade! I am a new driver myself and would love to share my tips, tricks and experiences with you :)

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