Research carried out by Confused.com has revealed the top ten most common motoring convictions in the UK.
The research found that speeding, using a mobile phone at the wheel and drink-driving topped the list for regular motoring offences. If a motorist is caught committing these offences it could result in receiving points on their licence, a penalty fine and a rise in their insurance premium.
Confused.com found interesting results from running a quote for a 30 year old female, living in Cardiff, driving a Mini Cooper, declaring an annual mileage of 6,000, having five years no claims bonus and parking the car on a driveway. Adding an SP30, which is exceeding the statutory speed limit on a public road, increased the premium by 34%. Adding a CU80, which is the use of a hand-held device whilst driving, increased the premium by 49%. Finally, adding a DR10, which is driving or attempting to drive with an alcohol level above the legal limit, increased the premium by 155%.
Insurance experts are stressing to motorists the importance of declaring any convictions on their insurance quote as insurance companies could refuse to pay out if a claim is made or they could invalidate the policy due to non-disclosure.
Gareth Kloet, head of car insurance at Confused.com, said: “Any conviction will likely cause a change in the cost of car insurance.
“Our advice is simple: drive carefully and be mindful of the rules of the road. If you don't disclose a conviction and you make a claim on your policy, your insurance company could refuse to pay the claim.
“Alternatively, they could make an additional charge for the conviction and won't authorise the claim until the charge is paid.
“How big an impact a conviction will have on the cost of your insurance depends on a number of factors, including insurance companies' conviction policies, the type of conviction, the car you drive and your age.”
© Copyright Autonet Insurance
By Amanda Bainbridge