Talking on phone while driving could 'invalidate insurance'
Motorists who are involved in an accident because they are using their mobile phone while driving may invalidate their insurance claims for car repair or replacement, the Association of British Insurers (ABI) has warned. A spokesperson for the organisation said that although damage to other people's cars or property and to other people will always be covered by motor insurance, damage to the driver's own car may not be covered - which could spell "major financial problems" for careless drivers. Driving while using a phone without a hands-free kit could land motorists with a £60 fine and three penalty points on their license, but a study by the Institute of Advanced Motorists found that while 81 per cent of UK drivers know the law, around 1.5 per cent of drivers continue to use their phones anyway. The spokesperson said: "If your own policy cover is invalid in the event of a claim you make under your own policy - which will not happen in respect of third party claims, which insurers must meet under the Road Traffic Act - it could place you with major financial problems as you'd have to meet the cost of repairs/replacement yourself - this could run into thousands or tens of thousands of pounds." She added: "Using a phone while driving is not only illegal, but studies have shown does significantly distract you."
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