Written by Michael Foote, Insurance and Finance ExpertMichael 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.
It seems British drivers have a need for speed, as almost 70% of all driving offences are estimated to be from speeding or other speed-related faults.
As well as speeding, there are plenty of other misdemeanours that can see you landed with a hefty fine, points on your license, or even see you banned from driving altogether. Car insurance for convicted drivers is much more expensive than for those with no convictions, so be sure to avoid these common driving offences:
The statistics around speeding are quite staggering considering the consequences. Around half of drivers admit to speeding on motorways, whilst a third confess they go above the limit in built-up areas. Depending on where you speed, and by how much, you could be on the receiving end of 3 points on your license, maybe even an automatic ban, not to mention fines ranging from £60 to £2,500.
Using a Mobile Device
With everyone so obsessed with their phones these days, it’s becoming more and more common to see people making calls and sending texts whilst driving. When using a phone at the wheel, you are four times more likely to be involved in an accident and, if you are caught, the penalty carries 3 points to your license and a £60 fine, which soon looks to be increased by the government.
Not Wearing A Seatbelt
Although wearing a seatbelt is pretty much second nature to most of us, there are still those that get caught driving without one. And if you are caught, you could be looking at a fine worth up to £500.
Tailgating isn’t just an annoyance for drivers, it’s also incredibly dangerous, not to mention an offence. Driving too close to the vehicle in front can constitute as careless driving and result in between three and nine points on your license, a period of disqualification and a fine of up to £5000.
Running A Red Light
This offence has become one of the most punishable offences due to the inclusion of automatic cameras positioned at junctions. If you are snapped failing to stop at a red light, you will be offered a ‘Red Light Ticket’, which is a £100 fine and 3 points on your license instead of going to court. If you already have 9 points on your license you can be punished much further, with fines leading up to £1000 or disqualification.
If you have been convicted of a driving offence in the past, then it is not impossible to be insured again on a vehicle, it just makes things a little more difficult. It is important that you compare convicted driver insurance quotes to find a deal that best suits you.