The top 10 motoring convictions of 2018

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Admiral has analysed data from more than six million motorists to find the most common motoring convictions and the people who get them.

cars-driving-past-speed-camera-sign

Following on from last year’s research, we looked at Admiral’s policy holders who said they’d been convicted of an offence between September 2017 and August 2018. This allowed us to work out what the top driving convictions were and who was guilty of them.

Speeding offences made up three of the top five motoring convictions in the UK. Using a mobile phone and not obeying traffic lights were also in the top five offences.

Top 10 driving convictions

Rank

Code

Conviction

1

SP30

Exceeding the statutory speed limit on a public road

2

SP50

Exceeding speed limit on a motorway

3

TS10

Failing to comply with traffic light signals

4

SP10

Exceeding goods vehicle speed limits

5

CU80

Using a mobile phone whilst driving a motor vehicle

6

IN10

Using a vehicle uninsured

7

DR10

Driving or attempting to drive with alcohol level above limit

8

SP20

Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles)

9

CD10

Driving without due care and attention

10

SP40

Exceeding passenger vehicle speed limit

We also looked at factors including age, gender, occupation, location and vehicle type to work out who was most likely to have which motoring conviction.

Speeding offences were most commonly reported by policy holders. The table below shows the occupations most likely to have been caught speeding this year compared to last year’s results.

The top 10 professions most likely to have a speeding conviction

Rank

Occupation (2018)

Occupation (2017)

1

Locksmith

Professional footballer

2

Offshore rig worker

Restaurant owner

3

Creative director

Construction engineer

4

Professional sports coach/trainer

Offshore rig worker

5

Chairman

Amateur musician

6

Blind fitter

Medical consultant

7

Professional footballer

Higher executive officer

8

Construction engineer

Sales engineer

9

Company director

Chairman

10

Courier/delivery driver

Surgeon

The top three occupations least likely to be convicted for speeding were insurance clerks, credit managers and dressmakers. Supermarket assistants were fourth on the list with substitute teachers coming in at number five.

Top 10 cars for speeding convictions

Rank

Make/model

1

Mercedes GLE

2

Porsche Panamera

3

Mercedes AMG

4

Aston Martin Vantage

5

Mini John Cooper

6

Volkswagen California

7

BMW 420D

8

Seat Arona

9

Aston Martin DB9

10

BMW 440I

Traffic signal offences, including jumping a red light, not stopping at a stop sign, overtaking on double white lines and ignoring a school cross patrol, were the second most common motoring misdemeanour.

Traffic signal offences: most and least likely occupations to have a conviction

Rank

Most likely to have a conviction

Least likely to have a conviction

1

Entertainer

Operations manager

2

Fishmonger

Midwife

3

Sheet metal worker

Marketing assistant

4

Market trader

Director of finance

5

Taxi driver

School student

And when it comes to using a mobile phone when driving, the occupations most and least likely to have a conviction are shown below.

Mobile phones: most and least likely occupations to have a conviction

Rank

Most likely to have a conviction

Least likely to have a conviction

1

Alarm fitter

Lecturer

2

Steel erector

Civil engineer

3

Haulage contractor

Nursery nurse

4

Gas fitter

School teacher

5

Press photographer

Police officer

Sabine Williams, head of motor at Admiral, said: “Motoring convictions carry a fine as well as points on the licence, and in addition will lead to higher insurance premiums. Statistics show that those who have convictions or penalty points are more likely to be involved in an accident than those who have not, and also make higher value claims than others.

“More importantly failing to adhere to the rules of the road is dangerous to the driver and other individuals using the road. We’d urge drivers to think twice before flouting the rules and doing something that could cause physical and financial harm.”

How could a conviction affect your premium?

To show how a conviction could affect your insurance price, we ran a quote for a 27-year-old teacher driving a 2015 Vauxhall Corsa (1398cc).

We looked at three different motoring convictions: speeding, ignoring a traffic signal and using a mobile phone. The increase in price shown below demonstrates that it’s really not worth taking the potential risk, either physically or financially.

Conviction Type

Conviction Date

Conviction Points

Premium

Increase in Premium

None

-

-

£628.32

 £       -  

SP30

01/01/2018

3

£763.84

 £135.52

TS10

01/01/2018

3

£878.08

 £249.76

CU80

01/01/2018

6

£902.72

 £274.40

For more information, check out our infographic.

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