As many as 72% of motorists are backing insurers to check driving licences for relevant motoring convictions or endorsements, a new study has found.
According to the poll of 2,000 motorists by the Association of British Insurers (ABI), the same number of motorists think that those using mobile phones while at the wheel are most likely to cause an accident.
While young male motorists came second on the list of drivers most likely to cause an accident, uninsured drivers were after that on the list.
Again, a third of women said that their main worry while driving was the risk of being involved in a staged accident, while 30% of male motorists worry most about having their car vandalised.
The ABI said that honest motorists are fed up with drivers who lie and cheat to try to obtain cheaper insurance.
Nick Starling, the ABI's director of general insurance and health, said: "We rely on people being honest, but those who conceal motoring offences not only push up the cost of insurance for everyone, but also run the risk of having any claim rejected.
"To protect honest customers, insurers are currently discussing with Government whether they would be able to check for relevant motoring convictions and endorsements."
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