Dashboard distractions risk motorist’s insurance cover

Plenty of accidents occur due to drivers checking their mobile phones while at the wheel, but many others are now caused by the increasing amount of ‘dashboard distractions’ newer cars have. Driving a car

And depending on the ‘distraction’, drivers could face having a car insurance claim for damages denied if an insurer decides they’ve been driving without due care and attention.

Distractions causing accidents and near misses

Research has found that almost one in 20 drivers said they’d had an accident or near miss due to being distracted by driver aids, or in-car media features, such as hands-free integrated mobile capability.

One in ten younger motorists involved in distraction incidents

Worryingly, the figure rises to 10% for younger drivers aged 18 to 24, who arguably could do with having the least amount of distractions while on the road.

The survey of 1,600 motorists found that, among younger motorists, 13% admitted to often being distracted by dashboard gadgets. And one in ten said they’d actually had an accident or near miss because in-car technology had disturbed their driving.

Integrated gadgets don’t help

Nearly half of motorists, 44%, feel driving aids and entertainment features, such as cruise control, parking sensors and Bluetooth connectivity, don’t actually make driving any easier or better anyway.

Not only that, only 61% of drivers say they know how to use all of the hi-tech features modern cars have.

Dashboard distractions are an insurance hazard

The problem for those who make an insurance claim for a ‘distraction-related’ accident is that an insurer could decide they weren’t showing due care and attention.

Car cover policies stipulated that drivers show reasonable care while driving. So if you’re fiddling with your Bluetooth display, and drive into another vehicle, it’s clear you’re not paying due care and attention; such a scenario would almost certainly lead to an insurer refusing to pay out for damages.

Reckless driving?

Not only that, but such behaviour could also lead to your being charged with reckless driving by the police.

As Matt Oliver, car insurance spokesperson for GoCompare, points out “Depending on how badly the distraction is affecting their driving, drivers could be charged with a range of offences including driving without due care and attention, failure to be in proper control of their vehicle… or dangerous driving.”

Most common driver aids and media features

Here are the driver aids and media features which could ‘distract’, or assist, a driver listed in order of the most common:

  1. CD player
  2. Seat belt warning light
  3. Electronic key/remote central locking
  4. ABS
  5. USB/Auxiliary port
  6. Cruise control
  7. Bluetooth connectivity
  8. Parking sensors
  9. DAB radio
  10. Light and rain sensors which automatically turn on headlights windscreen wipers.
  11. Integrated hands free mobile capability
  12. Gearshift indicator (advises when to change gear for fuel efficiency)
  13. Integrated sat-nav
  14. Stop/start function
  15. Automatic parking

Policy Expert

The customer service team at Policy Expert is always on hand to help – either online or over the phone. Whether you want assistance in finding the right policy or even handling a claim, we make sure it’s all handled by experts. For more information on what‘s covered, speak to one of our experts on 0330 0600 600 or email ask@policyexpert.co.uk

Receive £25

When you refer a friend to our home or car insurance

Refer now