Premium car owners ‘the most dangerous on UK roads’

Premium car owners ‘the most dangerous on UK roads’
Premium car owners ‘the most dangerous on UK roads’

Mercedes, BMW and Audi drivers are the most likely to have motoring convictions and have made claims on their insurance, according to new analysis of insurance data.

A study of quote inquiries by GoCompare found that BMW 4 Series drivers were the most likely to have a motoring conviction and the most likely to make an at-fault insurance claim.

More than one in six BMW 4 Series drivers have at least one conviction – more than double the average across all models, while one in five 4 Series drivers have also made an at-fault claim.

However, as a brand Mercedes owners came out worst overall, with five of its models appearing in the top ten for convictions and four in the top ten for claims.

Drivers with convictions

  1. BMW 420D (17.1%)
  2. Audi A5 (15.5%)
  3. Mercedes-Benz C220 (14.8%)
  4. Mercedes-Benz E220 (14.8%)
  5. Jaguar XF (14.3%)
  6. Mercedes-Benz CLA (14.3%)
  7. Mercedes-Benz GLC (14%)
  8. Audi Q7 (13.8%)
  9. Range Rover (13.8%)
  10. Mercedes-Benz CLS (13.5%)

The third of the German “big three” – Audi – was also represented in both tables, as was Jaguar.

Audi A5 drivers were the second most likely to have broken the law – at 15.5 per cent – just ahead of Mercedes C220 owners at 14.8 per cent.

At the other end of the scale, Vauxhall, Nissan, Peugeot, Citroen and Hyundai drivers were among the least likely to either have a conviction or have claimed for an incident that was their fault.

Matt Oliver, spokesman for GoCompare Car Insurance, commented: “While it may be no surprise that higher-powered, luxury cars are the marques of choice for some of the more dangerous drivers on the road, it’s not true of all owners of these makes.

Mercedes E220 drivers were among the most likely to have a motoring conviction or at-fault claim

With claims

  1. BMW 420D (21.3%)
  2. Mercedes-Benz E220 (19.3%)
  3. Mercedes-Benz GLC (19.3%)
  4. Audi A5 (19.1%)
  5. Audi Q5 (18.7%)
  6. Mercedes-Benz C220 (18.6%)
  7. Mercedes-Benz GLA (18.3%)
  8. Jaguar XF (18.2%)
  9. Audi A1 (18.2%)
  10. Skoda Superb (18.1%)

“What is more worrying is the large number of these cars on the road right now. According to data from the Society of Motor Manufacturers and Traders, BMW, Mercedes and Audi all feature among the top ten most popular cars of 2018.

“Typically, many of the cars listed in our top ten lists will be driven by those commuting or driving for longer periods on the motorway, at peak times in highly built-up areas, increasing the risk of an accident or motoring conviction.

“Claiming on insurance when you’re at-fault is likely to result in the cost of your car insurance rocketing, more so than other claims, as you will be deemed a higher-risk driver.”


Fewest convictions Fewest at-fault claims
Vauxhall Agila (4.1%) Peugeot 206 (8.5%)
Hyundai i10 (4.3%) Hyundai Getz (9%)
Nissan Micra (4.4%) Citroen C2 (9%)
Kia Picanto (4.4%) Nissan Almera (9.2%)
Hyundai Getz (4.5%) Fiat Punto (9.6%)

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