Halifax is home to Britain’s worst drivers, with the West Yorkshire town featuring the highest share of drivers with penalty points on their licence, according to our exclusive new research.
The insurance group a car is allocated largely determines the cost of annual cover, with the vehicles in the lowest groups typically the cheapest insure.
Ranging from groups 1 to 50, every car on the market is assessed by the Group Rating Panel (members of the Association of British Insurers and the Lloyds Market Association). However, insurers can also use their own system to assess risk, too.
Despite driving with a mobile phone being illegal for 16 years, our newest survey reveals the very worrying finding that a sizeable number of Brits think there should be no penalty for those caught using a such a device while driving.
Our latest study reveals which are the five most irritating driving habits and what penalties people feel appropriate for those caught.