Research shows driving when talking on hand held mobile phone will crash four times more likely than hands free. Some people still use their mobile phone when they driving their car. The government thinks is dangerous and not safe. From now using the mobile phone when driving will cost you 3 points and fined £60. The penalty should stop drivers using the device. But it’s not working at the moment. If there are point on your license, car loan, car insurance companies will charge you more on your insurance premium.

Accidents do occur when people with hand held mobile phone. Most driver have already installed the hands free kit for their mobile phone but some people still take the risk of hand held mobile phone. By now, most new luxury car has installed a hands free kit for their client.

Car finance companies also look for people with point on their driving licence. If their driving record is bad, getting car credit will be much harder.

To guaranteed car finance, you want to stay away from getting penalty points on your licence.
Points will not go away until three years later, so you will have to pay higher car insurance premium, car finance, than everyone else who has no point on their license.