How touching your phone while driving could add hundreds of pounds to your insurance bill every year

BRITS who touch their phones while driving risk adding hundreds of pounds to their insurance bill every year.

Strict new rules mean drivers can no longer excuse themselves from fines and penalty points – while your rewards will also increase.

Brits caught on the phone could be paralyzed by rising insurance premiums


Brits caught on the phone could be paralyzed by rising insurance premiumsPhoto credit: Getty

It has been illegal to use a mobile phone while driving since 2003, but since March 25, 2022 even stricter rules were introduced.

now Any form of touching your phone is illegal and will result in a penalty – even when stopping at traffic lights or in traffic jams.

As well as a £200 fine and six penalty points, motorists will also face another lengthy financial hit.

If you are convicted of using the phone while driving, you have to reckon with an average of 55 percent higher insurance premiums.

Insurer Admiral calculated the premium increase for drivers using data for customers with a new CU80 driving creed.

This is the code representing a driver who was caught with his phone renewing his car insurance last year.

The typical annual policy would exceed the cost of £1,000 – while the average cost of insurance was £673 in February this year.

A 55 per cent increase would ultimately bring an average policy to £1,040.

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This equates to around £370 per year based on the average car insurance premium.

But it could cost even MORE – as Admiral says a cell phone offense can increase insurance costs by a whopping 86 percent.

Admiral’s statistics showed that among the most common new convictions declared by policyholders, driving while on the phone was in the top ten.

The insurer also said the data showed four out of five drivers who declared the offense in 2021 were men.

Three quarters of the convicted Admiral customers were also under 45 years old.

The figures also revealed that Southend, Belfast, Glasgow, Chelmsford and Edinburgh were the high-profile areas for drivers convicted of using their phones.

Clare Egan, Admiral’s Head of Motor, said: “We found that men are much more likely to be convicted of using a mobile phone – of those customers who made that conviction, 80 per cent were male.

“We also found that younger drivers are more likely to be convicted for using a mobile phone – 75 per cent of customers who reported their conviction to us were under the age of 45.

“More motorists between the ages of 26 and 35 had a conviction than any other age group, accounting for 41 percent of those who informed us last year.

“To ensure their policy information is accurate, drivers should be honest about any prior traffic offenses and penalty points they have received, as this could affect their insurance coverage if they do not disclose it to their insurer.”

If you’re caught using your phone or a touchscreen device while driving, you could be fined £200.

However, there is also a chance you could be taken to court and fined up to £1,000.

Drivers who have passed their test in the last two years will lose their driving licence. How touching your phone while driving could add hundreds of pounds to your insurance bill every year

Fry Electronics Team

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