Drivers caught using their mobile phones at the wheel now face insurance premium increases of up to 30 per cent.

The Daily Mail reports many big-name cover companies now ask motorists if they have a conviction for using a mobile while driving when working out quotes.

Allianz adds 30 per cent to premiums, according to the paper, meaning the average motorist convicted of using a handset while at the wheel would face an extra £204 a year with the firm.

Quoted by the Daily Mail, AA spokesman Ian Crowder said: "In our experience, drivers who have been convicted of using their phones tend to pick up more claims and are therefore deemed to be more dangerous."

Even women drivers with a female friendly car insurance policy are likely to find their premiums rise after such a conviction.

Male and female drivers caught using a mobile while driving also face points on their licences and hefty fines.

It first became illegal to use a handset at the wheel in 2003, with the minimum fine now standing at £60.

Find out where foxy lady drivers shop for the best insurance deals for women.

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