Speeding Fine Calculator - UK Penalties & Costs

Whilst the band system (A, B, and C) applies throughout the UK, there are some regional differences. Scotland has its own legal system where certain offences may be treated differently, and Northern Ireland operates a slightly different point system. Local authorities may also prioritise enforcement differently, so you might notice variations in how strictly limits are enforced depending on where you are driving.

A Fixed Penalty Notice (FPN) typically imposes a £100 fine and 3 penalty points. This is the standard penalty for minor speeding offences that fall within Band A. Unlike court summons, FPNs offer a fixed amount regardless of your income, making them more predictable for budgeting purposes.

The minimum fine for Band A offences is 25% of your weekly income (but not less than £100). For Band B, it’s 75% of weekly income, and for Band C, it’s 125% of weekly income. However, these percentages represent the starting point, and the actual fine cannot be less than £100 regardless of your income level.

New drivers face stricter consequences for penalty points. If you accumulate 6 or more points within your first 2 years of driving, your licence will be revoked. You’ll then need to reapply for a provisional licence and retake both your theory and practical driving tests. This is considerably more severe than for experienced drivers, who can accumulate up to 12 points before facing disqualification.

You should inform your insurer about penalty points immediately. Most policies require disclosure of any licence changes as soon as they occur. Waiting until renewal risks invalidating your insurance. The points will affect your premium calculations for approximately 4-5 years, though they remain on your licence for only 3 years.

You can only attend a speed awareness course once every 3 years. If you’re caught speeding again within this period, you’ll typically receive either a fixed penalty or court summons, regardless of whether you would otherwise qualify for a course. Police forces maintain a national database of course attendance to enforce this rule across different regions.

When a company vehicle is caught speeding, the Notice of Intended Prosecution is initially sent to the registered keeper (usually the company). The company must then identify the driver at the time of the offence. Once identified, the driver becomes responsible for the fine and penalty points. Companies cannot legally pay the fine on behalf of employees or take the points.

Yes, temporary speed limits (such as those in roadworks) are enforced just like permanent ones. If caught speeding in these zones, the same band system applies, with penalties potentially higher due to the increased risk. Temporary limits are legally enforceable and are calculated using the same percentage of weekly income formula.

To contest a speed camera reading, you’ll need to respond to your Notice of Intended Prosecution stating that you wish to challenge it. Valid grounds include faulty equipment, incorrect calibration, or mistaken identity. You’ll need supporting evidence such as vehicle tracking data, witness statements, or dashcam footage that contradicts the alleged offence.

It’s worth noting that speed measurement devices are regularly calibrated and tested, so challenging their accuracy can be difficult without strong evidence. Consider seeking legal advice, as unsuccessful challenges typically result in higher penalties if the case goes to court.