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Car insurance affected by mobile phone convictions

10 April 2008 / by Rebecca Sargent
Motorists with convictions for driving whilst using a mobile phone could soon find their insurance premiums rising.

Allianz Insurance is set to become the first motor insurance provider to increase premiums for drivers with mobile phone convictions by 30 per cent. Previously, mobile phone driving convictions have been issued with the same insurance penalties as speeding convictions.

However, Allianz Insurance has decided to treat mobile phone use convictions in the same manner as dangerous driving convictions, causing car insurance quotes to rise accordingly.

Allianz Car Insurance motor manager, Neil Walker, said: "Increasing premiums for drivers with mobile phone convictions reinforces the fact that this is a dangerous and needless act.

"If you are convicted of using a mobile phone while driving, not only do you face a fine and points on your licence, you will also suffer the added financial burden of increased motor insurance."

The current penalty for driving whilst using a mobile phone is a £60 fine and three penalty points on your licence. According to the Governments Department for Transport’s Think! Mobile phone campaign, if you drive and use a mobile phone, you are four times more likely to have an accident.

Additional statistics show that young people are most at risk as 17-34 year olds are twice as likely to drive whilst using a mobile phone as over 55s.

The Government moved to ban the use of hand held mobile phones whilst driving because of the distraction it causes, Government statistics show that 58 per cent of drivers admit that mobile phones causing the most disruption whilst driving.

According to the Governments Think! Campaign, tests have shown that reaction times for drivers using hand-held phones were 30 per cent worse than for driving while drunk and nearly 50 per cent worse than driving under normal conditions. These figures emphasise the severity of the offence.

By increasing its car insurance premiums and raising the seriousness of the offence, Allianz Insurance is essentially supporting the Government’s campaign.

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