Motorists risk hefty fines and increased insurance costs for phone use on UK roads

Pictured is a mature businesswoman driving a car searching location on her smartphone. Woman behind steering wheel using phone for navigation.
-Credit: (Image: Getty Images)


Failing to comply with a crucial rule, motorists may find an additional £369 expense on their car insurance. The law forbids drivers from holding or using their mobile phone while at the wheel, and rule-breakers can receive a £200 fine.

Consequently, drivers who can't stop checking their phones on the move may end up forking out around £569. This increase in car insurance rates by a significant £369 is due to motorists' use of phones whilst driving, according to Go Compare's analysis.

Expressing his concerns was Go Compare's car insurance specialist Tom Banks, who remarked: "It's alarming that such a significant number of motorists are taking such a dangerous gamble." Despite the ubiquity of seeing a driver clutching onto their mobiles, Banks pointed out that it's an unsafe habit which significantly elevates the risk of accidents.

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He commented: "Unfortunately, it's not uncommon to see a driver holding their device while on the road, and that poses a serious risk to everyone's safety, as it means that an incident is statistically much more likely to occur.", reports the Mirror. Banks also reminded drivers about the potential consequences of succumbing to the temptation of checking their phones while behind the wheel.

Furthermore, he advised: "We can't stress enough the importance of resisting temptation and leaving your phone untouched while behind the wheel - it simply isn't worth the safety consequences. Then there's the financial repercussions, too. Getting caught could leave you over £500 worse off, so it's just not worth the risk. If you really need to use your phone, pull over as soon as it's safe to do so before picking up your device."

A troubling study conducted by GoCompare revealed that more than a quarter of UK drivers admit to using their phones when driving. This represents approximately 11.4 million drivers across the UK, equating to about 10.4 million rule-breakers in England and Wales.

Despite the stereotype of younger drivers being more reckless, only 14% of motorists under the age of 25 confessed to using their phones while driving, according to GoCompare's findings. The study also discovered that those over the age of 55 are amongst the least likely to use their phones whilst on the road.

To determine the regions with the highest number of drivers caught using mobiles behind the wheel, GoCompare analysed data from the Home Office and DVLA.

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