In a poll conducted by Admiral, taxi drivers have been elected the least courteous and most irritating drivers.

Van drivers, young motorists and bus drivers were also considered to be rude on the road in the poll.

More than 700 drivers were questioned during the survey and does anyone recognise a trend here – try and obtain a quote for drivers listed above and you will probably find their insurance premiums are higher than many.

Insurance companies have been collating such data for many years and expert analysis and sharing of information between insurers usually means that underwriting will, in the main carry the same weighting amongst insurance providers.

If you want to keep your insurance premiums down, you need to avoid conflict on the road. Aggressive behaviour on the road will often lead to aggressive driving, leading to a higher risk of accident or injury.

Fail to appreciate the value of safe driving and continually think, it won’t happen to me and you are inviting misfortune.

Claims or convictions will attract increased premiums and given the governments intentions to increase penalty points for speeding etc. the penalties will never have hurt more.

Yes, the courts are sometimes lenient, but with public pressure demanding real justice this is likely to become more the exception than the rule.

For those interested, elderly drivers were regarded as the most polite but they were equally reported as being second only to taxi drivers on the most irritating scale

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