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AA Reports Money Misery For Mobile Phone Using Motorists

May 27, 2008
Although those illegally using a mobile phone whilst driving will be fined, this may be just the beginning of their motoring related money pressures.

Such is the claim of AA Insurance, which it highlighted that consumers who choose to flout the law and talk on the phone while behind the wheel will be hit with a fixed-penalty notice to the tune of 60 pounds. And while some people might think that such a punishment is sufficient in itself, for those using a mobile while in motion the financial services firm indicated that such drivers will face higher motor insurance premiums. It was indicated that those drivers who are guilty of using a mobile phone while driving will discover their insurance costs rise by an average of about 40 pounds over the course of 12 months - with increases over the three-year period that the offence lasts for standing at "well over" 100 pounds.

Although rising the annual cost of insurance by 40 pounds is in itself a substantial rise, many drivers could discover that being caught with a mobile while driving may have even more serious financial consequences. Out of a panel of 8 insurance companies, AA pointed out that the providers questioned may increase yearly costs anywhere between 4.2 and 18.1 per cent for those with just 1 mobile offence. One firm, it was also claimed, will refuse to provide cover altogether.

As a result of increased car insurance costs, it is also possible that drivers will come under more pressure to manage other aspects related to their vehicle such as fuel and repairs. This could in turn have an impact on their ability to handle other financial commitments such as credit cards, personal loans and household bills.

Consumers who use a mobile could also find themselves being charged with careless driving. An offence, it was claimed, may mean they are banned from using a car. Furthermore, such consumers may find that they are refused cover, with half of the insurance providers stating that they would not offer a premium to such a consumer, with the rest imposing increases of more than 50 per cent.

Simon Douglas, director of AA Insurance, stated: "Driving whilst using a hand held mobile phone places you at greater risk of having an accident - it slows reactions and you are less able to control the car. Insurance companies quite rightly take such offences seriously. Many offenders are not aware of the premium rise and we hope that raising awareness of this extra cost will help people to think twice about chatting on a hand held phone when driving."

He went to assert that following a road accident police check up on mobile phone records as a part of their routine investigations to see if the device played a role in the event taking place. As a result, when drivers either have to take out cover or renew their policy, Mr Douglas urged them to be completely honest with insurance providers when asked if they have endorsements on their licence. Should this not be the case however, it was reported that they may find their insurance cover is compromised.

When on the lookout to buy a new car, obtaining a cheap loan could prove to be effective. By doing so, consumers could find that they able to purchase the vehicle of their dreams and are left with an affordable rate of monthly repayments to make. The additional assistance a loan provides could also help with the purchasing of a comprehensive car insurance policy. A loan for this purpose could be of particular assistance to those wanting to purchase a convertible car, after a recent Confused study revealed that insurance for such models is an average of 11 pounds more expensive than other kinds of vehicle.
About the Author
Mark Dawson writes for Loan-Arrangers .co.uk where visitors can compare UK loans online. With online application for everything from homeowner loans to loans for tenants. Visit today http://www.loan-arrangers.co.uk
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