The Driving Mistakes That Could Cost More Than You Think
Common Driving Mistakes That Can Lead to Fines and Higher Insurance
Most drivers know the big rules; keep to the speed limit, don’t drink and drive, always wear a seatbelt. But it’s the little things that often trip people up. Everyday habits like overloading the boot or forgetting to update your licence can leave you with unexpected fines or penalty points.
And those points don’t just affect your driving record, they could also nudge up your insurance premium. Here are some of the lesser-known Highway Code rules to keep in mind.
1. Overloading Your Car or Van
Stacking the car to the brim might feel efficient, but exceeding the vehicle’s Maximum Authorised Mass (MAM) is a punishable offence.
Fine: £100–£300 depending on how far over the limit you are.
Source: DVSA penalties
2. Unsecured Loads
Loose furniture, shopping bags, or boxes can quickly turn into hazards if they move while driving.
Fine: £100 plus 3 points if the load is insecure.
Source: Load security rules
3. Blocked Rear View
Packing the car so full that you can’t see behind you could result in a fine. You’re legally required to keep full control and a clear view of the road.
Fine: Up to £1,000.
Source: Highway Code Annex 5
4. Worn Tyres
The minimum tread depth is 1.6mm. Anything less could mean trouble.
Fine: £2,500 per tyre plus 3 points.
Source: Tyre safety law
5. Seatbelt Offences
No excuses: if there’s a seatbelt fitted, it must be worn.
Fine: Up to £500.
Source: Highway Code penalties
6. Using Your Phone
Unless you’re parked safely, even checking your phone while stationary is against the law.
Fine: Up to £1,000 and 6 points (more in larger vehicles).
Source: Highway Code penalties
7. Out-of-Date Licence
Moving house? Don’t forget your licence — it’s an offence not to update your details.
Fine: Up to £1,000.
Source: DVLA change of address
8. Pavement Parking
Illegal across London unless signs say otherwise (councils fine around £70, or £35 if paid early).
Outside London, restrictions depend on local rules.
Source: Rule 244 of the Highway Code
9. New Driver Rules
For drivers in their first two years, just 6 points is enough to have your licence revoked.
Penalty: Retaking both theory and practical tests.
Source: New driver regulations
The bottom line: fines can be annoying, but it’s the points on your licence that really sting; they follow you for years, and may push up your insurance.
