The top three causes of car insurance and bike insurance claims are failure to look properly, loss of control and poor turns or manoeuvring, according to a study.
The Institute of Advanced Motorists (IAM) studied police data for crashes between 2005 and 2009, and came to the conclusion that driver or rider error is to be blamed for most fatal accidents.
Injudicious action - including speeding, following too close or illegal turns - emerged as the second biggest factor.
Meanwhile drink-driving came low on the list of contributing factors, causing just 10% of road fatalities.
Other causes included behaviour or inexperience, road environment, factors affecting vision and vehicle problems.
The road safety charity is urging motorists to enhance their driving skills to reduce the number of road crashes and save lives.
IAM chief executive Simon Best said: "Having a driving licence doesn't necessarily mean that drivers have the skills they need to be safe. Accidents could be easily reduced by improving driver skills and lives could be saved - especially those of young drivers."
© Press Association 2011