Mobile phone convictions can increase premiums by 95%


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Insurance prices could double for drivers who break the law


Over 20,000 motorists have been caught using a phone behind the wheel in the last year, 12 months since the mobile phone penalty doubled.

 This means that police forces across the country have caught nearly 70 drivers a day, according to an FOI request made by Admiral.

Reviewing data from its own customer base, Admiral has revealed that mobile phone offences account for 3% of convictions notified to the insurer in the last two years and men are responsible for 70% of those convictions.

As well as the dangers to drivers themselves and other road users, committing a mobile phone offence can not only lead to six points on their license and a £200 fine, but their insurance premiums could rise by up to 95%, effectively meaning they could be paying nearly twice the price.

Analysis of Admiral motor insurance policies renewed over the last two years revealed that speeding remains the most common offence, with speeding on a public road and speeding on a motorway jointly accounting for 87% of offences notified. Failing to comply with traffic lights and using a mobile phone were the joint third most common offences, each accounting for 3% of convictions policyholders committed.

Top five motoring convictions notified by Admiral policyholders in the last two years

Rank Conviction %
1 Speeding on a public road 71%
2 Speeding on a motorway 16%
=3 Failure to comply with traffic lights 3%
=3 Using a mobile phone 3%
5 Exceeding good vehicle speed limit 2%

Analysing police and Admiral data regarding driver age reveals drivers in their 20s and 30s are the most likely culprits of using their phone at the wheel.

Of all mobile phone offences added to Admiral insurance policies in the last two years, 41% were for policyholders aged 20-29. Policyholders aged 30-39% accounted for 32% of mobile phone convictions, and those aged 40-49, 13%.

Analysis of police records shows a similar picture, with drivers aged 30-39 accounting for 33% of offences and drivers aged 20-29 accounting for 28% of offences, making these two age groups the most commonly caught using a phone at the wheel.

Age group Police offences Admiral recorded offences
Under 20 1% 2%
20-29 28% 41%
30-39 33% 32%
40-49 21% 13%
50-59 11% 10%
60-69 3% 2%
70+ 1% 0%

Of the 29 police forces who responded to Admiral’s Freedom of Information request, Police Scotland have recorded the highest number of offences for driving whilst using a mobile phone since the ban came into force last year, with nearly 3,000 offences recorded, accounting for 14% of all mobile offences across the UK. Thames Valley police also recorded in excess of 2,000 offences accounting for 10% of all those who responded, whilst Hampshire recorded 1,596 offences, 8% of the UK total.

Rank Police force/area Number of mobile phone offences % of total mobile phone offences from all responding forces
1 Scotland 2840 14%
2 Thames Valley 2098 10%
3 Hampshire 1596 8%
4 Greater Manchester 1174 6%
5 West Mercia 1085 5%
6 Merseyside 1048 5%
7 Kent 991 5%
8 Suffolk 883 4%
9 Surrey 834 4%
10 Staffordshire 827 4%
Total from all police forces who responded 20,455

Sabine Williams, Head of Motor at Admiral, said:

“Claims statistics show that drivers who have been convicted of using their mobile phone whilst driving have a much higher risk of making a claim, and we take this into account when calculating their premium.  Not only are they putting themselves and other drivers at risk, motorists who receive a conviction for driving whilst using their phone could see their insurance premiums increased by as much as 95%.

“Whilst speeding offences remain the most common conviction, using a mobile phone behind the wheel was the joint third most common motoring offence by policyholders in the last two years. Data from UK police forces shows that in excess of 20,000 motorists have been caught driving whilst using a mobile phone since the driving ban came into force, equivalent to just under 70 drivers every day.


Convictions map

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