It was recently revealed that drivers convicted of texting while driving are being shunned by insurance companies as they take conviction for texting and driving extremely seriously. Though the penalty for using your mobile phone to text or make a call while driving is similar to that of a driver caught speeding. The insurers take the view that you can accidentally break the speed limit without knowing or due to factors you cannot control but with texting while driving or using your mobile to make a call while driving is a deliberate act.
Some insurance companies are said to have completely blacklisted drivers who have conviction for using a mobile phone behind the wheel and refuse to give them and insurance quote. Others are still willing to give a quote for convicted text drivers but the quotation is bumped up by 20% or more.
Some of the reason using a mobile phone while driving is considered more dangerous than speeding includes the fact that you cannot change gear (if you are driving a manual car), you are not fully looking at the road when you are texting and your concentration is severely affected when making a call on your mobile and driving.
Drivers with speeding conviction tends to see their premium rise by about £60 a year, it is estimated that any of the 170,000 drivers in England and Wales convicted or using their mobile while driving will see their insurance premium go up by significantly more than that of someone convicted of speed driving. The best remedy for this is to strictly observe the rule of not using your mobile phone behind when you are driving.