A spokesman from the body said: "[Using a mobile phone] could impact on claims made under your own policy in respect of accident repair to your own vehicle, as you are expected to take reasonable care.
"It could place you with major financial problems as you'd have to meet the cost of repairs yourself - this could run into thousands or tens of thousands of pounds."
The comments from the ABI's spokesperson have followed similar quotes from the AA's spokesperson.
Ian Crowder revealed that driving carefully can help a motorist reduce the cost of their insurance premiums, while those who are convicted of a motoring offence may struggle to find an insurer willing to cover them.
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