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Fines and Penalties

What to do if you receive a fine or penalty

Applied Leasing Ltd hopes that all customers are driving within the law, but if you do happen to get caught by a speed camera or a police officer when driving your lease vehicle, you will need to know what happens next. Our short guide explains the penalty for speeding in the UK, who will receive the speeding ticket for a lease vehicle and the fees involved both from the Government and the finance company.

What is the penalty for speeding in the UK?

According to the Gov.uk website, the minimum penalty for speeding is a fine of £100 and 3 penalty points on your driving licence. If a driver builds up 12 or more penalty points over 3 years, that driver is then disqualified from driving. Exceeding the speed limit is illegal so if you get caught by a speed camera or the police, any of the following could happen:

  • You may be given a verbal warning by a police officer who stops you on the road 
  • You may be asked to attend a speed awareness course, which you would be expected to pay for yourself and which typically costs around £100 
  • You may be charged with a fixed penalty notice (speeding ticket) of £100 and three penalty points on your licence 
  • You may be prosecuted for speeding and would need to appear in the court. You may need to pay a fine of £1,000 or £2,500 if you were caught speeding on a motorway. Between three and six penalty points may also be added to your licence, or you will face a driving ban.

Will the penalty be sent to me or the finance company?

There are two different ways that you can be caught for speeding in the UK - either by a policeman pointing a speed gun at the side of the road, or by a speed camera (Mobile or static). If you weren’t stopped by the police by the side of the road then the fixed penalty notice will be sent to the registered keeper of the vehicle within 14 days. For many lease contracts, the registered owner and keeper of the vehicle is the finance company, so any fixed penalty notices that you receive during your lease agreement, will be sent direct to your finance provider. 

This doesn’t mean that you will avoid the ticket however! If you receive a fixed penalty notice during your lease agreement, then the finance provider will forward the this to you by post. The finance company may also charge you an administration fee for this service, usually around £25, but charges may vary. 

Please be aware that if you ignore a fixed penalty notice, you may be taken to court. For this reason, it is important that you keep your contact details up-to-date with Applied Leasing Ltd and your Finance Provider. You can update your contact details by calling our Administration Department on Freephone 0800 525 209.

Congestion Charges and PCN (Payment Charge Notice)

Many large cities have adopted a Congestion Charge to discourage travellers from using certain roads during high traffic times of the day. These charges usually only apply once per day, no matter how many times you drive in and out of the congestion area. They must be paid on or before the day of travel. Charges that are not paid by midnight on the day of travel will incur a Payment Notice Charge. PNC's will be sent to the registered owner/keeper of the vehicle and some councils stipulate that it must be paid by the keeper/owner. In such situations the Finance Company, as the registered owner/keeper, will pay the PNC and forward you an invoice with an Admin fee attached, usually around £25. 

If a PNC is not paid with in 28 days you will be issued with a Charge Certificate, in which case you will have 14 days to pay the PNC plus 50% more. Failure to pay the charge certificate will result in a court order demanding payment. For information on London's Congestion Charges and how to pay please visit www.tfl.gov.uk 

For more information about PNC's and Charge certificates please visit www.gov.uk 

Our advice to all our customers is to always drive carefully and to obey the "Rules Of The Road". Unfortunately, many people believe that ignorance is a justified excuse, but all drivers should be totally aware of the road laws. Other general advice which can help avoid unwanted attention from the police includes:

  • Avoiding aggressive driving behaviour 
  • Always wear your seat belt 
  • Stay out of the fast line unless you are overtaking 
  • Drive according to traffic conditions


If you are stopped by a police officer, our advice is to be polite and respectful. Police officers spend a lot of time on the road and deal with many angry drivers, don’t be one of them, be respectful, after all it was your error. If you need any further advice on UK Motoring Law visit the government website for the “Highway Code”

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