In the UK, nearly 90% of drivers confess to common motoring offences like speeding and using mobile phones while driving. This leads to hefty fines and significant bumps in car insurance premiums. For instance, speeding tickets alone saw average premiums climb to £949. Shockingly, more than two in five admit phone use while driving is habitual, risking a £200 fine and six penalty points. It's not just about penalties; offences like using an uninsured vehicle or drink driving can see premiums skyrocket to over £2,000 annually. Remember, quick texts or meals behind the wheel are just not worth the financial hit.