Thanks to changes to legislation that came into effect on 1 March, anyone caught using a mobile phone at the wheel will be slapped with a £200 fine and six points on their licence.

However it’s not so clear what this will do to a motorist’s car insurance. The AA conducted a survey of insurance companies to see how they would treat drivers who’d been caught using their phone. Four of the 13 insurers who took part said they would not offer cover to a mobile phone offender, and would even withdraw cover for violators.

Those who would offer insurance said the motorists could see their premiums rise by up to 29 per cent. Drivers convicted of dangerous driving typically see their premiums go up by 58 per cent – and only two of the insurers said they would offer them insurance.

The MyLicence initiative was launched by the DVLA and ABI in 2014 and enables insurers to securely access driving licence details at point of quote.  This access to entitlements, convictions and other relevant motor history is designed to act as a deterrent against insurance fraud.

All of RDT’s clients who write motor business collaborated on the project to include functionality to access MyLicence data via RDT’s policy administration system, Landscape. This was delivered before MyLicence was launched.