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Speeding 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, 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 funder.

What is the penalty for speeding in the UK?

According to the 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

I've been caught speeding in my lease car, will the ticket be sent to me or the funder?

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 speeding ticket 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 speeding tickets or driving penalties that you will get 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 speeding ticket during your lease agreement, then the finance provider will forward the ticket to you by post. The finance company may also charge you an administration fee for this service, usually around £25.

Please be aware that if you ignore the speeding penalty, 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, so we can keep you informed of any speeding penalties during your lease agreement. You can update your contact details by calling our Administration Department on Freephone 0800 525 209 or email

We advise all our customers to obey the "Rules of the Road"

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 seatbelt 
  • 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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Applied Leasing are a credit broker and not a lender, we are authorised and regulated by the Financial Conduct Authority. Registered No : 689942

Registered in England & Wales with company number : 2473288 | Data Protection No : Z8661858 | VAT No : 669698057

Registered Office : Suite 2.08, Grosvenor House Central Park, Telford, Shropshire, TF2 9TW

Disclaimer: All vehicle images and descriptions are for illustration and reference purposes only, all vehicle leases are subject to credit approval and subject to change at any time. E&OE.

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