Car insurers refuse to cover mobile phone offenders

Adam Parris-Long
Yahoo! Cars News

Some of the UK’s largest car insurers are refusing to cover motorists caught using their phones at the wheel, new research shows.

As part of a crackdown on drivers caught texting or calling without the use of hands-free kits, insurers are imposing premiums by up to 32% and in some cases outright refusing to cover – even for first time offenders.


Research from AA revealed that three of eight insurers refused to quote for a sample mobile phone offender, while other insurers bumped up fees by an average 20%. That rate is 10% above the average increase speeders face, despite the two offences attracting the same fine and three points on your licence.

“Insurers rightly treat drivers caught using a hand-held mobile phone very seriously,” said Simon Douglas, director of AA Insurance. “The point is, it is a deliberate act.  Many drivers may accidentally drift over a 30mph limit without immediately realising it.  But no-one accidentally makes or answers a call or text, it is completely unacceptable”.

“If a driver is texting, they aren’t concentrating,” he added. “Trying to steer and change gears with one hand and eyes on the device, not on the road, is a disaster in the making.”

The research carried out gauged the effect a mobile phone offence [CU 80] had on a 40-year-old man had driving a Ford Mondeo.


Insurance quote breakdown [Source: AA]


SP30 (speeding), CU80 (hand held phone), CD10 (careless driving)






















































































































 



Clean



1 x

SP30 (3pts)



2 x

SP30 (6pts)



1 x

CU80 (3pts)



1 x

CD10  (6pts)



Insurer



£

prem



£

prem



%

rise



£

prem



%

rise



£ prem



%

rise



£

prem



%

rise



A



298.15



332.73



11.6



No quote



No quote



No quote



B



312.79



344.07



10.0



No quote



No quote



No quote



C



331.33



366.20



10.5



398.92



20.4



376.72



13.7



423.44



27.8



D



378.20



395.98



4.7



509.06



34.6



499.22



32.0



504.52



33.4



E



391.50



441.22



12.7



491.33



25.5



No quote



No quote



F



491.28



508.63



8.4



532.55



23.5



563.99



12.8



588.55



19.8



G



434.17



466.73



7.5



494.95



14.0



495.39



14.1



505.81



16.5



H



434.44



No quote



No quote



No quote



No quote



Average



 



 



9.3



 



23.6



 



18.5



 



24.4

















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