An increasing number of motorists in the UK are adopting the risky habit of using mobile phone headsets while driving.

This has led to increased accident rates and in turn, car insurance premiums have increased.

Figures that have been obtained from the Transport Research Laboratory, showed that the number of motorists who have broken the rules in this manner has increased from 2.6% in 2006 to 2.8% this year.

The numbers have risen even though drivers who have been found using headsets on the road are currently facing tougher punishments. Punishments for this road offence include three points on the driver’s licence and a fine of £60. Both were introduced about two years ago.

Data obtained from TRL suggested that using mobile phones while driving can distract the driver from the road. This can make them four times more likely to crash. As accident rates increase, car insurance claims will also rise. This in turn is leading to costlier premiums for UK’s motorists.

An insurance expert said that the UK would probably need more police campaigns and publicity campaigns for this issue.

Before the new rules were introduced, drivers who used mobile phones would only expect to be fined £30 without any penalty points.