Don't Phone Home

That quick peek at your phone could cost you more than you think. A few years ago, the rules around using your mobile phone behind the wheel changed, and the consequences for getting caught can be a major headache for both your driving record and your insurance.

Since March 2022, it's been illegal to use a handheld mobile phone for virtually any reason while you're driving—not just for making calls or texting. This includes everything from scrolling through a music playlist, taking a quick photo, or checking your texts. The rule applies even if you're stopped at traffic lights or stuck in a jam, because as long as your engine is running, you're considered to be driving.

Getting caught is more serious than ever: you'll face a £200 fine and six points on your licence. For new drivers who passed their test in the last two years, that's enough to lose your licence completely, forcing you to start all over again.

So, what does this mean for your insurance? A conviction for using a mobile phone while driving is a big deal for insurers. It marks you as a "convicted driver" and a higher risk. This can cause your premiums to go up significantly—sometimes by as much as 50%. In some cases, insurers may even refuse to offer you cover at all.

In October 2025, news emerged about a new report from MPs calling for stronger sentencing for drivers who kill or seriously injure others. While these are not yet laws, they indicate a direction towards stricter penalties for road offences, which could include repeat mobile phone offenders.

The message is simple: distraction behind the wheel isn't worth the risk. A hands-free device, securely mounted out of your line of sight, is still allowed for things like navigation, but the safest option is to put your phone away entirely. It's the best way to protect yourself, other road users, and your pocket.