Mobile Phone Misuse Could Lead to Loss of Car insurance Cover
Mobile phone misuse – texting, changing music, making calls - now carries a fixed penalty of £200 and six points. If the driver is within the first two years of passing their test, then their licence will be revoked and they will have to re-take their driving test.
Insurers have long recognised the seriousness of a CU80 mobile phone offence although until now, the offence has carried the same penalty as an SP30 speeding offence.
While the average premium increase imposed by an insurance company for speeding is 14%, for a mobile phone offence it is nearly 20% and as much as 29%. Four companies in a survey of 13 insurers refused to offer cover at all, suggesting that around a third of insurance companies would choose to withdraw cover for offender.
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