Drivers could receive a £100 on-the-spot fine if they are seen to be distracted. And it could be stepped up to driving without due care and attention, which carries a maximum fine of £2500 and three to nine penalty points.

The Confused.com analysed millions of quotes for fully comprehensive cover and found that, on average, UK drivers pay £789 for car insurance - a figure that’s £257 more expensive than it was 10 years ago.