Insurance With A CU80 Conviction

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One of the fastest growing problems amongst drivers and car insurance companies is mobile phone driving convictions. Handheld devices are more prevalent now than ever before, and few people leave the house without a smart phone to hand. The problem is that these devices are addictive to use and many people feel that they can use them when they are driving. Even those who know it is illegal to use them at the wheel can be tempted to pick them up without noticing they are doing it.

If you are caught driving whilst using a mobile phone or other similar handheld device you can expect to face an immediate fine. As this problem was quickly spiralling out of control, the government raised the penalty from £60 to £200 in 2017 in an attempt to deter drivers from using their phones at the wheel.

What is the punishment for using your phone whilst driving?

As of 2017 the penalties for driving whilst using a handheld device are:

  • A Fixed Penalty notice which includes a £200 fine and a six-point penalty on your license
  • New drivers, classified as those who have passed their test within the last two years, will automatically lose their license if caught using a handheld device.
  • If you are taken to court, you could end up facing a disqualification from driving and a fine of up to £1,000.

Hands free devices

The only way you are able to use your phone when driving, for making and receiving calls or for satellite navigation, is to invest in a hands free system. Current hands free devices available include:

  • Bluetooth headset
  • Built-in voice command computer
  • Dashboard cradle
  • Windscreen mount
  • Built in Sat Nav

How does a CU80 driving conviction affect your insurance?

If you have a mobile phone driving conviction unfortunately you can expect your insurance premiums to increase. You should always inform your insurer of a conviction as soon as it has happened. If you don’t do this in an attempt to keep your insurance cots the same, and get into an accident, you will find that your insurance has been voided resulting in punishment for lack of insurance too.

Drivers with convictions can still find quality insurance policies when they compare convicted driver insurance quotes online.

Written By Michael Foote, Insurance and Finance Expert

Michael Foote is the founder of Quote Goat and has over 13 years experience working in the finance, insurance and currency sectors. Since launching Quote Goat he has appeared on TV as well as many of the largest online publications including Forbes, The Telegraph and The Metro. Prior to Quote Goat, he worked in finance in the city for a number of firms including HSBC.