Driving laws: New cell phone rules could impact drivers’ car insurance premiums next year
New driving laws prohibit drivers from using their phones to take photos or videos, scroll through playlists or play games. Any driver affected by this new decision in 2022 could be fined Â£ 200 and six penalty points on their license.
As a result of these changes, drivers are warned that their vehicles may be able to catch up with them if they use apps like Spotify while driving.
Auto insurance experts at Confused.com have found that different car brands can access details of their musical history.
Through their Connected Cars report, they found that vehicles can identify when drivers are scrolling through their Spotify or Apple Music apps.
According to Confused, they found out that BMW, Audi, Porsche, Honda and Mini are the brands that can access your music details.
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âAuto insurance now covers not only the vehicle, but also the gadgets that are built into it.
âInsurers will always ask you if you’ve made any changes or modifications to your car, and it’s not just cosmetic changes.
âIf you’ve installed things like expensive audio systems, it could increase the chances of your car being stolen or broken into, so it’s important to disclose them when collecting quotes.
âIf you find the cost of your insurance to be high, whether due to modifications made or built-in technology, make sure you have safe storage space, such as a garage or locked storage area. , could help reassure insurers.
âHowever, it’s not always true that in-car technology can increase your auto insurance costs.
âSecurity devices, such as dashcams, could help reduce the risk of accidents and theft of your car.
âInsurers should take these characteristics into account when calculating your premium. Some insurers give big discounts for certain technologies such as a dashcam.
âThe discounts range from 10% to 30% with some insurance companies, so it’s always good to let them know if you have one. “
Drivers will still be able to continue to use âhands-freeâ devices while driving, such as a satellite navigation system, if it is secured in a cradle.
However, the simple act of changing a song or playlist directly from their phone will put motorists in difficulty.
Not only is their music history accessible, but the functionality of the connected car can also have an impact on your insurance premiums.
The Department of Transportation announced the changes, saying the new rule would be “more precise” when stopping in traffic.
Drivers are cautioned that it would be illegal to use a telephone in a traffic jam on a highway.