Insurers join police in crackdown on mobile phone use when driving

As well as being stung with the fixed £60 penalty charge, motorists could be forking out £5.4m each year in insurance premiums – with some insurers increasing premiums by 18.1% because of the higher risk.

In a survey of eight insurers from its extensive panel, AA Insurance even found one insurer refused to quote for a single mobile telephone offence. All other companies increased the premium from 4.2% to 18.1%.

AA’s research also revealed that in real money terms the average insurance premium