Car Insurers Focus on Mobile Phone Users

Despite being illegal, some motorists just don’t seem to understand how dangerous driving with a mobile phone can be.  The insurance industry does, however, take the issue seriously as do the police.  In addition to fines and driving penalties, more and more insurance companies are increasing premiums for those caught using their phones whilst driving; in some cases they may even refuse insurance.  So why is driving while using a mobile so dangerous and are there any times when you should risk it?

What’s the Problem with Mobiles?
Some people believe that talking on a mobile phone is no more dangerous than many other distractions that you cannot avoid when driving.  Many believe that talking to a passenger is no different to talking on a phone.  However, there are subtle, but important, differences.   A passenger is normally aware of the road conditions and will not normally interrupt you as conditions change or worsen.  Examples of this would be when you are approaching a junction, roundabout or if there is a hazard in the road ahead.  Using a phone takes this element of common sense out of the equation – the other user can’t see or hear what is happening and will certainly not be aware of dangerous driving conditions (fog or rain for example).  This can mean that they continue to talk and your attention remains split at crucial moments or in dangerous situations. 

Are Hands-free Sets OK?
Hands-free devices are generally accepted as safer than talking on a phone.  However, much of the same principles as mentioned above still apply.  The simple fact that the other person is not aware of 
the conditions in which you are driving is the biggest risk, and it makes no difference if you are on hands-free device or on the phone.  The advantage of using hands free devices is, of course, that you can use both hands for driving or changing gear.  Phones can also obstruct your vision in the side mirrors, which can lead to dangerous situations.  Ultimately, however, it is the nature of holding a conversation over a phone which distracts you from the important task of driving and being aware of your surroundings that poses the risk.  While it is legal to use a hands-free set while driving, if you appear to not be in control of the car while doing so, you could still be prosecuted and suffer the same penalties as apply to using a handset.  Ultimately it is advisable to not use a phone at all while driving.  This applies to all drivers, but is particularly important to young or inexperienced drivers. 

Should I Just Forget the Phone?
There are some advantages to having a phone handy when driving.  Dangerous incidents, or drivers, can quickly be reported to the relevant authorities.  In the event of a breakdown, you’ll be able to summon help quickly and safely.  However, even in these circumstances it makes sense to follow the basic rules of the road and to find a safe place to stop to make the call.  There is no such thing as a safe place to make a call while driving, although a hands-free set may be of use in these cases.  You should, however, be aware if you are reporting an incident or hazard to the authorities they’ll be likely to want some detailed answers, which are not best given while trying to focus on driving!

Future Penalties
With incidences of accidents caused by those using mobile phones remaining high, it seems likely that the advice you may not want to hear is simply “don’t use your phone while driving”.  Find a safe place, pull over and make the call; in future it may make all the difference between not only safe driving and being able to get insurance for your car.  Recent innovations in the insurance industry (the new telemetrics services, or “black box” technology) have been factors in encouraging safer driving amongst young drivers and it seems they may be taking the lead with driving and mobile phone uses as well. 

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