What's in a name? Expensive car insurance if you're a James or William

James and William may be two of the top ten most popular boy's names for babies, but parents should be warned that when their sons grow up, they could be among some of the most reckless drivers on Britain's roads, says Confused.com.

Nearly 1 in 5 James and Williams (17% and 16% respectively) have driving convictions compared with comparatively vigilant Joshuas - ranked the fourth most popular name - and Alfies - ranked tenth - who have a mere 9% and 6% of driving convictions, respectively.

Girls appear to be altogether more careful, although Ellas - the ninth most popular girl's name - are the most reckless, with more than one in ten (11%) having been on the wrong side of driving laws. However, naming your daughter Chloe could ensure that parents have little to worry about when it comes to rocketing car insurance premiums, as like whiter than white Alfies, a mere 6% of Chloes have convictions.

Debra Williams, managing director at Confused.com, said: "Recent Confused.com research found that men are almost three times more likely to be convicted of driving offences than women - a fact reflected in our most up-to-date research which shows that Williams and James are the most reckless drivers. However, while dangerous and careless driving has safety implications, gaining points on your licence also has a detrimental effect on your insurance premiums. On average, a driver with three points will see premiums leap 7%, rising to 25% for six points and 50% for nine points; and the number of insurers willing to insure a driver with nine points can halve.

"While nobody is perfect - not even Ellas and Alfies - we would advise our customers to take more care when driving. Planning your route, allowing extra time and taking into consideration elements such as the great British weather, should result in less accidents and a reduction in convictions."