Motoring offenses 'increase insurance premiums massively'

Although fewer drivers are receiving driving convictions, the cost of a conviction could cost drivers a huge amount, a MoneySuperMarket analysis has found.

In the last 12 months, 10.3% of car insurance quote searches on its site were performed by drivers with convictions for previous motor offenses, compared with 2012’s figure of 12.1%.

The most common offences recorded were those relating to speed, accounting for 66.1% of all recorded road offenses. This was followed by the offence of reckless, careless and unfit driving, including those motorists involved in road traffic accidents as a result of this driving, representing 13.3% of offences. Drug and drink driving convictions accounted for 4.2%.

MoneySuperMarket warned that people with between four and six penalty points on their license could see their annual car insurance cost increase by 24.9%, or almost £100 on average. Among those with ten and 11 points on their license, the increase averages a huge 89.8%, increasing the cost of yearly premiums by £353.75.

While the reduction in the number of motorists with driving offenses is likely a positive change, MoneySuperMarket car insurance expert pointed out that over one in ten drivers has received a conviction for breaking a driving law.

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