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Insurance companies – driving without insurance worse than drink driving

New research has given us fascinating insight into how insurance companies view the severity of various motoring offences. The data, from insurance comparison site, reveals some driving offences cause a driver’s premium to increase more severely than others – and not always in a way you might expect.

The top ten most common driving convictions can be seen below, alongside the percentage a person’s insurance premium rises at renewal time in brackets. Motorists that get caught breaking the speed limit, for example, can expect a 34 per cent increase, while those who are busted for using a mobile phone or other handheld device can expect a slightly larger 49 per cent increase.

Unsurprisingly, insurance companies take a dim view of motorists with drink-driving convictions, their premiums increasing 115 per cent at renewal. However they take an even dimmer view of people who drive with no insurance whatsoever, their premiums increasing a whopping 131 per cent. This probably shouldn’t come as much of a shock as insurance companies make more money from drink drivers with insurance than those that don’t pay for any insurance at all.

Insurance companies aren’t very happy with drivers who are convicted for pottering about on defective tyres, either. Their insurance premiums rise a whopping 69 per cent, significantly more than those who don’t drive with, or in accordance with, a license.

The conviction that gets the lowest punishment by far is failing to comply with traffic lights. Those who are busted for charging through on a red light can expect their premiums to rise a comparatively low 24 per cent.

Full figures

1 Exceeding statutory speed limit on a public road (34 per cent)

2 Use of a hand-held device whilst driving (49 per cent)

3 Failing to comply with traffic light signals (24 per cent)

4 Exceeding speed limit on a motorway (34 per cent)

5 Using a vehicle without third party insurance (131 per cent)

6 Driving or attempting to drive with alcohol level above limit (115 per cent)

7 Driving without due care and attention (51 per cent)

8 Driving otherwise than in accordance with a licence (49 per cent)

9 Using a vehicle with defective tyres (69 per cent)

10 Exceeeding passenger vehicle speed limit (34 per cent)

* Sample quotes based on a 30-year-old female marketing manager in Cardiff driving a Mini Cooper 6,000 miles a year, with five years’ no-claims discount, car parked on driveway and no convictions.



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