There’s no doubt that texting at the wheel diverts the drivers attention from the road. In fact a research study has shown that drivers are twenty three times more likely to have an accident when they’re texting.

This leads us to wonder how the insurance industry will react to these findings. We think that they will soon bring in new clauses into their policies which allow them to refuse cover if the driver was texting at the time of the accident. Of course, someone has to decide that the driver was texting and we suspect that the insurers will rely on the police to prosecute the driver and then the insurers can take action if the driver is found to be guilty.

Then comes the question of whether the insurers will refuse the claims from third parties against a texting driver. We suspect not but they will down grade fully comprehensive cover to basic third party.

We shall have to wait and see what happens.