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How to avoid an automotive detention and high insurance fees

Just like yellow and red cards are used in football to discipline players, penalty points are used to keep roguish motorists on the road in line.

If you break the rules, expect an automotive detention in the form of:

Higher insurance fees

Temporary ban

Disqualification for year

No-one wants to be told that they’re banned from driving, but if you end up with 12 or more points on your license within a three-year period, you’ll be given at the very least a six-month ban. This means your friends and family will become your part-time taxi service again, and how frustrating would that be?

For more serious driving offences, it’s one strike and you’re out, and you could face an automatic disqualification for a minimum of 12 months.

And if that wasn’t enough of a weight on your shoulders, your car insurance could go into overdrive and increase anywhere between 9 and 24%.

To stop you from getting this sky-high insurance, we’ve listed some top tips on how to keep your license clean by avoiding dangerous driving:

1. That text can wait

We all know that staring out the window of your car in a traffic jam is not the most endearing of pastimes, but do not be tempted to reach in your bag for your phone.

A survey by the RAC found that 61% of drivers think it’s legal to send a text message or make a call on their mobile phone while their car is stationary, but the law states otherwise – and you can’t argue with that. You must have come to a complete stop and be parked in a genuine parking space, such as a layby, street-side parking space or car park, before you can use your phone at all.

The penalty for being caught using a hand-held device while driving has increased from £30 to £200 since the law was introduced in 2003.

If you’re notorious for reaching out to your friends when you get restless, switch your phone off to put a stop to it distracting you. Instead, why not flick through the radio stations or change that Greatest Hits CD that you’ve had on repeat for the past three weeks?

2. Move out the way on smart motorways

Smart motorways ease congestion and allow emergency services to get to an accident or incident much more quickly than if they were travelling in normal traffic.

First introduced in the Midlands in 2006, these smart motorways mark lanes for emergency services with a red ‘X’ to signify that normal motorists are not able to travel in them. Failure to abide by the rules will mean a £100 fine and three penalty points.

A closed lane generally means there has been an accident, there is a broken-down vehicle blocking the road, or there is debris in the middle of the motorway, so ignoring the red ‘X’ could be extremely dangerous.

3.    Be more understanding of cyclists

4 out of 5 UK drivers have been on the receiving end of road rage according to a CarWow survey, and it’s not a nice feeling. According to a survey carried out by Merlin Cycles, which spoke to 1000 cyclists, 30% of them said that they experience road rage on a regular basis.

Although cyclists have rules set out in The Highway Code that they have to abide by, they may have to sway into the middle lane now and again, and this can be misunderstood as inconsiderate and may cause rushed road-users to get impatient.

You can now face a fine and penalty points if you don’t leave a gap of at least 1.5m – roughly the same width of a car door – when overtaking a cyclist.

If you’re prone to cyclists getting under your skin, try to keep calm next time, as they are probably moving into the middle lane to dodge a pothole or rough surface that could completely throw them off course, or even completely off their bike.

Representative Example of Credit

We expect more than 51% of our customers to achieve this rate.

Loan Amount Total Cost of Credit Representative APR 60 Monthly Payments Deposit Amount Loan Term Total Amount Payable
£7,500 £3831 19.1% APR £188.85 £0 60 Months £11,331

We are a broker not a lender and our registered office is Trident Park, Trident Way, Blackburn BB1 3NU. Our contact number is 01254 919000

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