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Do you drive and use your hand held mobile? If so here is a warning

According to new AA Insurance research, all insurers on its panel including Zurich, Axa, Provident, RSA, CIS, Allianz and Lloyds of London, also now increase premiums after a first speeding conviction.

Ian Crowder of the AA said: “We have seen a sharp swing in attitude by insurers towards minor offences such as speeding of late. They used to be more relaxed about it, with most ignoring a first offence. But our latest research reveals that all are now loading premiums by up to a quarter even after a first offence.”

In a another survey, conducted for theTelegraph, revealed that across the industry, twenty year-old drivers now suffer most and are likely to see the cost of cover leap by an average 22% for a three-point speeding offence. Those in their 30s can expect a 15% hike and those aged 40 and above can now expect an automatic premium increase of around 10%.

Mobile phone offenders, which can also attract just three points on a licence and a similar fine to speeding, can expect to be punished much more harshly by insurers, with premium increases of up to 60%. Some will refuse to quote at any price.

Aviva’s senior motor underwriting manager Nigel Bartram told the Telegraph: “We want to get the message across that mobile phone usage is absolutely not acceptable. Even though it may be treated by the law in a similar way to a speeding fine, we insurers view it very seriously.”

Bartram said: “Technology is constantly improving, allowing us to predict risks ever more closely.”

For example, a driver with one conviction is 40% more likely to claim than his brother with a clean licence, according to internal data at RBS Insurance, one of the UK’s largest underwriters including Direct Line and Churchill; with up to half claiming within a year of receiving their points.

As their record deteriorates, so the accident rate rises. A driver with two convictions is 18% more likely to claim than a driver with one offence. A driver with three offences is 110% more likely to claim than a driver with two.

The insurance industry is working with the licensing authorities to have direct online access to all driving records to stamp out fraud.

 

 

Richard Anthony Oakes, Sharon Linda Oakes & Ashley Burton trading as Oakes Insurance Consultants are
authorised and regulated by the Financial Services Authority. Number 307170

Registered office: Oakes House, Derby Road, Long Eaton, Nottingham NG10 1PD