Car insurance companies crack down on motoring offences

Car insurance companies have traditionally cracked down on motoring offences by raising car insurance rates after a driver’s first speeding offence, experts say, but now drivers caught playing with their smartphones whilst behind the wheel are feeling the heat as well.

Any motorists caught red handed checking their email, playing games, texting, or taking calls on their mobile phone behind the wheel will find their motor car insurance raised to eye watering levels when it comes to renewal time. Not only that, but some of the mobile device-obsessed could be hard pressed to secure cover at any price whatsoever, according to new research from AA Insurance.

The insurer found that while most providers have overlooked initial speeding offences in the past, this has changed to the detriment of lead-footed motorists.  All of the providers on the AA’s panel, which includes Lloyds of London, Allianz, CIS, RSA, Provident, Axa, and Zurich, now increase premiums after a driver’s initial conviction – and independent research confirms this.

A survey from another source found that drivers over the age of 40 are subject to an automatic increase to their premium price of 10 per cent in the wake of a three-point speeding conviction.  This trend grows larger for younger drivers, with those in their thirties guaranteed to experience a 15 per cent hike on average, while drivers in their twenties see an average 22 per cent increase.

However, any motorist found to be guilty of a mobile phone offence will be penalised with much more severity by insurers, even though the fines to such an offence are similar to a speeding conviction.  Some insurers will increase an offender’s premium by as much as 60 per cent, while others will refuse to provide a renewal upon the end of the current quote.

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