Cengolio · Fines · Codes · SP20
SP20 : exceeding speed limit for type of vehicle (excluding goods or passenger vehicles)
Checked 17 July 2026 · How we check our figures
What it means
SP20 is the residual vehicle-limit code: the speed was unlawful for what was being driven or towed, though not a goods or passenger vehicle case. Towing is the classic route in, since a trailer pulls the limit down below the posted number. The code on the record reads identically to any other SP entry to an insurer's question; the cause, not the consequence, is what varies across the family.
Points and how long it stays
3 to 6 points.
On the licence for 4 years from the date of the offence.
The SP codes split speeding by cause, not by consequence: SP30 for the ordinary road, SP50 for the motorway, SP10, SP20 and SP40 where the vehicle or what it tows carries a limit below the signs. Everything else is shared. The fixed penalty route is always 3 points (gov.uk, checked 2026-07-16); the 4 to 6 end of the range exists only through a court, where the fine bands take over by speed over the limit. A completed speed awareness course produces no code at all, which is why the same journey can leave two identical drivers with different records. Where a court disqualifies instead of endorsing points, the 4 years on the record run from conviction rather than the offence (gov.uk, checked 2026-07-17). And the code's last digit carries the role: a 2 for aiding, a 4 for causing or permitting, a 6 for inciting, so SP34 is SP30 committed through someone else's right foot.
The usual route
The camera case runs as a conditional offer at 3 points with the standard fixed penalty sum (gov.uk, checked 2026-07-16).
If it goes to court
In court the fine is income-banded with the range open to 6 points or a ban; the money mechanics sit in the fine bands guide.
Read next
Authority
gov.uk, Penalty points (endorsements), checked 2026-07-17