Categorized | Auto Blog

Use Mobile – Lose Cover

Use Mobile – Lose Cover

Sometimes it seems to most of us that insurance companies will try anything – and I mean anything – to either hike our premiums, refuse to pay out for a claim or even to refuse insurance at all for what seems to be the most trivial of reasons. Even if you’ve got a straightforward SP30 – that’s 3 points and a fine for speeding – they’ll hold it against you for five years and your premium will go up by an average of 9.3%. However, just once in a while you can occasionally see their point of view. Welcome to the world of the CU80 – using a mobile at the wheel.

It has been reported that some insurers have been refusing cover to drivers convicted of using a mobile ‘phone whilst on the move. In a poll of eight companies, half of them refused to quote. Of the others, the premiums were increased by as much as 32%.

Speaking on a mobile whilst driving is one of those strange phenomena we experience in that we all see it happening on a daily basis yet nobody owns up to doing it. Curious that. We all feel hard done by what we often perceive as injustice from time to time but this is one of those crimes – and it is a crime – that needs to be stamped out. The law is, it has to be said, rarely on the spot when these offences occur but when they do catch someone the result is a meagre three points and sixty quid. Not the greatest of deterrents.

Someone needs to take a tougher stance and it appears to be the insurance companies. In the survey, one insurer even refused cover for an SP30 and all of them raised their quote. This is a new trend. Historically, companies would not raise premiums for a minor speeding offence. In 2009, half of the insurers polled stated that they would not alter their premiums and would be prepared to overlook the offence.

Now, as speed cameras and the law are familiar to us all, there can no longer be excuses. One company explained that statistically, “drivers with motoring convictions are 40% more likely to claim than those with no convictions”. The reason that premiums are much harsher for a CU80 is simply because anecdotal evidence appears to show that drivers caught on the ‘phone are twice as likely to make a claim.

Simon Douglas, director of AA Insurance says it all: “Using a mobile ‘phone while driving is a deliberate act. Many drivers may accidentally drift over a 30mph limit without realising, but no one accidentally makes or answers a call or text”.

Fair comment.

This post was written by:

- who has written 474 posts on Motor Blogger.

Geoff is a freelance writer and photographer.

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