Featured in...
Council and Police Fines
Fixed Penalty Notice For Speeding

Speeding Ticket Loopholes – Everything You Need To Know

Scott Nelson MoneyNerd Janine Marsh MoneyNerd
Scott Nelson MoneyNerd

Scott Nelson

Debt Expert

Scott Nelson is a renowned debt expert who supports people in debt with debt management and debt solution resources.

Learn more about Scott
Janine Marsh MoneyNerd

Janine Marsh

Financial Expert

Janine is a financial expert who supports individuals with debt management, cost-saving resources, and navigating parking tickets.

Learn more about Janine
· May 28th, 2024
Fight back against fines with JustAnswer, get legal guidance now!

In partnership with Just Answer.

Featured in...
Speeding Ticket Loopholes

Did you get a letter saying you were driving too fast? This guide is here to help. Every month, more than 130,000 people visit our website to understand their fines and parking tickets. 

In this guide, we’ll talk about:

  • What a ‘Notice of Intended Prosecution’ is
  • When you have to pay a speeding fine
  • How to say you shouldn’t have to pay
  • Times when you might not need to pay
  • What might happen if you don’t pay

A group of MPs and Peers say FPNs, which can cost up to £10,000, are hard to understand and might be unfair.1 So, it’s quite common to feel concerned.

Don’t worry; we’re here to explain the speeding ticket loopholes and help you manage your situation effectively.

Around 50% of Appeals Succeed

In some circumstances, you might have a legitimate reason not to pay your speeding fine.

It’s a bit sneaky, but the last time I needed legal advice, I paid £5 for a trial to chat with an online solicitor called JustAnswer.

Not only did I save £50 on solicitor fees, I also won my case and didn’t have to pay my £271 fine.

Chat below to get stared with JustAnswer.

*Carwow reports around 50% of appeals are successful, so it’s well worth a try.

What’s the loophole?

When you are ordered to pay a speeding fine (or other road traffic offence) more than 14 days after the alleged infringement, you don’t have to pay!

In short, if the Notice of Intended Prosecution (NIP) doesn’t arrive within the specified deadline, you should send it back as ‘out of time’.

Check out this message posted on a popular forum by a motorist who got a NIP three months after an alleged speeding offence.

Source: Moneysavingexpert

Keep in mind that if you’re not the vehicle’s registered keeper, you should first check if they didn’t receive the NIP within 14 days. If they did, your ‘out of time’ argument wouldn’t work.

If you don’t get a NIP but receive the court summons, you have a valid defence against the speeding fine.

In short, you could have a good reason to dispute the fine.

That said, you must reply to the summons by sending in a ‘not guilty plea’. Plus, you’ll have to argue your case in court and win to get out of paying.

The reason is that the police only have to show that the fine should have reached you within 14 days – under normal circumstances!

What other ways can I avoid paying a speeding fine?

You could get out of paying a speeding fine if it’s your first offence.

You could be offered a speed awareness course instead. It means that you won’t have to pay the fine when you are a first-time speeding offender.

Providing you attend the speed awareness course, that is!

How will I know if I get offered a speed awareness course?

The police will let you know if you qualify for a speed awareness course instead of getting fined and receiving penalty points.

It’s at their discretion whether you’re offered this option provided you haven’t attended one in the last three years.

Successful Appeal Case Study


Initial Fine £100
Additional Fees £171
Total Fine £271

The Appeal Process

Scott used JustAnswer, online legal service to enhance his appeal. The trial of this cost him just £5.

Total Fine £271
Cost of legal advice £5

JustAnswer helped Scott craft the best appeal possible and he was able to win his case.

Scott’s fine was cancelled and he only paid £5 for the legal help.

Get started

In partnership with Just Answer.

I was only just over the speed limit. Is the fine valid?

Yes, it could be.

There is a 10%+2mph tolerance, but not always. So you could still get a speeding fine when you are 1 or 2 mph over a given speed limit.

My advice? Keep to the speed limit, and don’t chance your luck!

How can I challenge a speeding fine?

Challenging a speeding fine is not easy.

In fact, it’s challenging because there’s no real defence to going over a set speed limit.

You could challenge your speeding fine because:

  • The fixed penalty notice was incorrect. For example, the location of the speeding fine, date or time shown on the notice is incorrect
  • The camera equipment was faulty, which is hard or nigh on impossible to prove

Fixed Penalty Notice Appeal Reasons

I’ve put together this table to help you better understand some valid appeal reasons and increase your chances of success.

Violation Category Specific Offense Common Appeal Reason
Traffic Signal Running a Red Light Traffic light was malfunctioning/out
Insurance Driving without Insurance Proof of valid insurance at the time
Speed Limit Exceeding Speed Limit Incorrect speed limit signage/malfunctioning speedometer
Seat Belt Not Wearing a Seat Belt Belt was worn but not visible or medical exemption
Mobile Phone Use Using a Mobile Phone while Driving Emergency situation or not in use
Vehicle Condition Driving a Vehicle in Poor Condition Recent vehicle maintenance or misjudgment of condition
Parking Illegal Parking Unclear, obscured, or misleading parking signs
Documentation Failure to Display Tax Disc Disc was displayed but not visible
Driving License Driving without a Valid License License was valid but not present
Vehicle Registration Driving Unregistered Vehicle Registration was in process/delayed

If you want to learn more about the appeal process, be sure to read our specialized guide.

Should I get a solicitor or a barrister?

It depends.

You could hire a barrister or solicitor to challenge a speeding fine if you know the high penalties you face.

In short, if you were caught speeding on a motorway and risk a driving ban, it may be worth having legal representation. Otherwise, most speeding offences are settled before going to court.

You could get penalty points, a fine, or you could be offered a speed awareness course instead.

That’s if you’re not a repeat offender!

» TAKE ACTION NOW: Get legal support from JustAnswer

How can I get out of a speeding fine?

As mentioned, you could be offered a speed awareness course. It means you get out of paying the fine and getting points on your licence.

However, it’s not a given. It’s up to the police to offer you the option.

Plus, you won’t be offered this option when you’re a repeat offender and got a conviction within the last 3 years

Getting the support of a Solicitor can take a huge weight off your mind.

Get started

Reviews shown are for JustAnswer.

How many people get caught speeding in the UK?

Figures released by the Home Office show that over 6,000 motorists are caught speeding daily in the UK.

Moreover, fixed penalty notices for speeding hit a record high in recent times.

The last word

There are a couple of speeding ticket loopholes.

One more obvious one is to go on a speed awareness course. It gets you out of paying a fine and having penalties on your driving licence.

But you can’t ask to go on a course. It’s at the discretion of the police!

Then there’s the lesser-known speeding fine loophole. Namely receiving a Notice of Prosecution more than 14 days after you committed the offence.

Statistics show that thousands of motorists commit a speeding offence every day.

That said, it’s not a defensible offence. It’s against the law to go over a speed limit, and the 10%+2mph tolerance rule doesn’t always apply!

You could hire an expensive lawyer or barrister to argue your case in court, and many celebrities have done just this. Successfully.

But it’s not something that everyone can afford to do!

Hire a Solicitor for less than a coffee.

If you’re thinking about appealing your speeding fine then getting some professional advice is a good idea.

Getting the support of a Solicitor can make your appeal much more likely to win.

For a £5 trial, Solicitors from JustAnswer can look at your case and help you create an airtight appeal.

Try it below

Get started

In partnership with Just Answer.


  1. UK Parliament — FPN 
Did you like this article?
Show your support ❤️
We're glad you liked the article! As a small team, your support means everything to us. If you could rate us on Google, it would be amazing. Thank you!
We are so sorry...

Is there something missing? We’re all ears and eager to improve. Send us a message and let us know how we can make our article more useful for you.

You can email us directly at [email protected] to share your feedback.

The authors
Scott Nelson MoneyNerd
Scott Nelson is a renowned debt expert who supports people in debt with debt management and debt solution resources.
Janine Marsh MoneyNerd
Appeals Expert
Janine is a financial expert who supports individuals with debt management, cost-saving resources, and navigating parking tickets.