Professional footballers are the occupation most likely to have a speeding conviction followed closely by restaurateurs, while checkout operators, students and – unsurprisingly – driving instructors were the groups least likely to have a speeding conviction.
Admiral’s Cost of Convictions Report looked at data from six million drivers’ for convictions for speeding, traffic signal misdemeanours and using a mobile phone while driving.
The report also looked at convictions across age, gender, location and vehicle. Speeding convictions account for nearly half of all offences, according to the research.
Men of every age are more likely to speed than women – in fact, men were more likely to have a driving conviction than women in every instance.
The 10 professions most likely to have a speeding conviction
- Professional footballer
- Restaurant owner
- Construction engineer
- Offshore rig worker
- Amateur musician
- Medical consultant
- Higher executive officer
- Sales engineer
- Chairman - commercial
When it came to driving with a mobile phone, Admiral’s study found that tradespeople – scaffolders, joiners and glaziers – were mostly likely to drive while using a phone.
The postcode area with the highest proportion of people convicted for using a mobile phone was Dumfries, with Southend-on-Sea and Uxbridge in joint second.
At the other end of the scale, Leicester, Coventry and Plymouth had the lowest proportion of Admiral insured motorists with mobile phone related convictions.
The top five postcode areas for mobile phone convictions
- Dumfries (DG)
- Southend –on–Sea (SS)
- Uxbridge (UB)
- Romford (RM)
- Belfast (BT)
Six months after tighter mobile phone laws were introduced, including a £200 fine and six points on your licence, Admiral is reminding motorists to think of the potential dangers of flouting the law, to themselves and to other people.
And it can have financial implications beyond a fine, a motoring conviction can mean a rise in insurance premiums, and could even make it harder to get cover at all.
Sabine Williams, head of motor at Admiral said: “A fine isn’t the only financial impact of getting a motoring conviction; it can also mean higher premiums. This is because claims statistics show that those who have motoring offences, convictions or penalty points are more likely to be involved in an accident than those who have not, and are also more likely to make higher value claims than others.
“For some more serious offences such as dangerous driving, you might find it hard to get insurance at all.
“Not only is flouting the law dangerous for the individual and others on the road but it could also add significant sums to insurance premiums. We would urge drivers to think twice before they do something that could see them in court.”
Traffic signal misdemeanours
After speeding, Admiral found that the most common motoring conviction is for failing to comply with traffic signals.
Jumping a red light, overtaking on double white lines, failing to stop at a stop sign or ignoring a school crossing patrol could lead to points on your licence.
The highest concentrations of these types of convictions came from five postcode areas in Scotland, according to the data.
A sports administrator, make-up artist and cargo handler were the top three occupations to have most commonly committed this offence.
The top five postcodes for traffic signal offences
- Glasgow (G)
- Edinburgh (EH)
- Motherwell (ML)
- Galashiels (TD)
- Paisley (PA)
How could a conviction impact your premium?
Admiral ran an example quote for a 27-year-old female Sales Assistant living in Cardiff and driving a 2015 model Ford Fiesta (1490cc).
With a TS10 conviction for ignoring a traffic light, they would see their annual premium increase by more than £380.
While a CU80 conviction for using a mobile phone while driving would mean an increase of more than £660.