Car Insurance

If you got stuck in bank holiday traffic last weekend, as 18million British drivers hit the road, you probably witnessed some erratic behaviour from your fellow motorists. Well these anti-social driving offences have been dubbed GBH driving - grievous bank holiday driving - and are leading to a wealth of car insurance claims.

According to a UK car insurance provider, at least 4.5 million Brits abandon their sensibilities over the bank holiday and commit one of a host of driving offences. These range from driving while talking or texting on a phone (26 per cent), to driving without a seatbelt (20 per cent), drink driving (13 per cent of men, three per cent of women) and falling asleep at the wheel (six per cent).

This irrational behaviour can have a derogatory effect on your health if you're involved in an accident - and it can also hit your wallet too - by way of your car insurance premiums.
For example, if you use a mobile phone behind the wheel you could be hit with points on your licence and increased premium costs - some insurers increase car insurance by as much as 18.1 per cent after one offence.

Drink driving or drug use behind the wheel could see you banned from driving altogether. Failing to wear a seatbelt is an offence in itself, whilst falling asleep at the wheel can have serious repercussions and result in a jail sentence if it is a mitigating factor in an accident.

The key is to be sensible when driving. If you need to use the phone, pull over to a safe place or take a hands-free kit. Pick a designated driver if you have a night out and always wear your seat belt and take regular breaks from the wheel.

Remember car insurance providers base premiums on risk - the more convictions you have the higher your costs, so for cheap car insurance pay due care and attention.

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