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Ever increasing cost of motoring threatening village life in the UK

Thursday, June 23rd, 2011

The impact of soaring fuel prices is threatening the very existence of rural life in the UK according to statistics revealed in a Royal Automobile Club (RAC) survey of its members this week.

Car journeys coming under scrutiny

The RAC report that members living in rural landscapes are finding the twin blows of expensive fuel and soaring motor vehicle insurance threatening their way of life. Almost 9 out of 10 said they were dependant on their car to carry out normal activities such as shopping, working and visiting relatives but half of them admitted to cutting back on journeys due to the expense involved.

Problem acute in Devon and Cornwall

The south west of England is particularly badly hit with most of the region being rural. Many residents rely on visits to towns and cities such as Truro, Barnstable and Exeter to work and shop. A daily commute can easily involve a one hundred mile drive for many workers. The survey revealed that 30% of rural dwellers said that the nearest bus or train station was too far away to use as reliable transport, which was 10 times more than urban respondents.

Local investment preferred to national schemes

Unfortunately it seems the fabric of rural life will be affected as many of those asked said that visits to relatives were the visits most likely to be omitted from their routine, with the ferrying of children to after school activities also coming under pressure. Although many of those questioned admitted they had used a train instead of a car when possible in the last 12 months, there was little support for expensive Government transport initiatives such as the much vaunted high speed train link between the South East and the Midlands. Almost nine out of ten said they would prefer the Transport Department to spend more money on maintaining the highways and the local roads that were often difficult to negotiate in winter, and failing that improve local rail services rather than lines aimed at business.

Environmental issues taking a back seat

The expensive motoring costs have also impacted on motorist’s perception of protecting the environment, with 30% saying they would only buy a “greener” vehicle if it gave them cheap car insurance cover and was more economical on petrol.

Tags: Fuel price, fuel price rises, motoring costs, Royal Automobile Club, Rural landscapes
Posted in Car Insurance, Cheap Car Insurance | No Comments »

EcoVelocity event planned for London

Thursday, May 5th, 2011

Ask most motorists what the Eden Project in Cornwall and Battersea Power station in London have in common and more than likely you will be met by a blank stare. However, ask a motorist who has already invested in the future and bought car insurance cover for a brand new eco car and he will probably know the answer.

Tomorrow’s world housed in today’s iconic buildings

The answer is of course both iconic buildings are champions of the new green technologies that are rapidly changing the face of motoring in the UK today. The Eden project has always been at the forefront of green technology and hosted the first two national events for green cars in the country. The “Sexy Green Car” shows of 2007/8 heralded the shape of things to come and this year Battersea Power Station is taking over the mantel and holding the EcoVelocity show.

Showcase event in the absence of convention

The show will represent all that is new and good in the pursuit of “cleaner” motoring and all the major manufacturers of clean cars for the 21st Century will be represented. Indeed with the absence of a conventional British motor show in 2011, the EcoVelocity event could be seen as the foremost motor show in Britain this year.

Supercars on show

The show dates have been announced this week and the event will take place between September 8th to September 10th. The event will feature electric zero emission models, hybrids and more conventional cars built to make the most of their petrol engines. The producers of the event plan to build a special circuit for prospective buyers of the eco cars to take a test run in them before they splash out on motor vehicle insurance, and the real drawing point of the show may be the Green Supercar Paddock where visitors to the show will get a glimpse of what manufacturers like Citroen, Ford, Honda, Fiat and Volkswagen can really get their engineers to produce when they put their minds to it.

Something for everyone

The show will have lots of other attractions including Honda backed tuition for young motor cyclists, the chance to buy motor accessories of any and every kind, plus the opportunity for members of the public to do a fair share of celebrity spotting as the rich and famous come out to show their green credentials.

Tags: Car Insurance, EcoVelocity, eden project, green technology, Motor insurance
Posted in Car Insurance, Cheap Car Insurance, car technology | No Comments »

The driving test

Tuesday, May 3rd, 2011

The final step before a driver can get their first set of motor insurance quotes is passing the driving test. For all would be drivers, the driving test is the last hurdle to get over before acquiring that all important driving license.

Be prepared

The trepidation that many would be drivers feel when they settle down at the side of a Driving Standards Agency representative is well known, but if they are prepared correctly there is no reason to be nervous. All the learner driver has to do is show the instructor a clear understanding of the fundamental laws of driving. When preparing for the driving test, it is vital to understand the most common mistakes drivers make, which lead to the words “I’m sorry to have to tell you that on this occasion you have failed your driving test.”

Safety first and remember the Highway Code

An incorrect lane change is a very common error made during a driving test. To do this correctly, signal your intent, make sure no other vehicle is in the lane, and finally check the mirrors before actually moving over. You will have done it a thousand times while learning, it is not difficult, but a failure to do this can, and probably will result in an automatic failure as this is a safety measure.

Giving way involves the act of bringing your vehicle to a halt before proceeding; this is to make sure the car is not going out into moving traffic. An example of this is coming to a stop on a road when turning right. Prior to turning, the driver must make sure the road is free of traffic, and if the junction is controlled by traffic lights that the lights are on green. Failing to stop at a sign or a red light is another mistake that will result in failure. Always look both ways at a junction and make sure there are no other vehicles or pedestrians on the road before starting again. Always remember to check you are travelling at the required speed for the highway when taking a new direction.

Know your car

Basic operating of the vehicle should not be overlooked either. Simple tasks such as starting the vehicle, understanding where the hazard lights are, operating the turn signals, turning on the windscreen wipers and adjusting all of the mirrors are simple but essential tasks to pass the driving test.

Spare set of eyes would be handy

As a driver, always be aware of situations on the road ahead and around the car. Failure to keep your eyes on the road at all times while looking out for pedestrians as well as what other drivers are doing can also result in failing the driving test. Always check the rear, right and left mirrors often while driving, and do not allow yourself to be distracted by anything else. When a driver does pass their test, they can look forward to getting a quote for car insurance cover and have many happy and safe years on the road.

Tags: Car Insurance, driving test, Learner drivers, Motor insurance, motor insurance quote
Posted in Car Insurance, Cheap Car Insurance | No Comments »

Nostalgia is not what it used to be!

Tuesday, March 15th, 2011

A recent online poll asked motorists about the differences they find in driving today compared to twenty years ago, and what they liked and disliked about the respective periods. The poll revealed some interesting answers without any great surprises. One thing that was for certain about the contrasting periods was that the cheapest car insurance quote of 2011 would still work out to be more than the most expensive of 1991.

Cheap petrol and open roads

Not surprisingly the things drivers miss most is relatively cheap fuel. The days of filling up and paying the forecourt attendant with change out of your pocket have well and truly disappeared. If prices continue to escalate then the 1 in 25 drivers who say they get no joy whatsoever out of modern day driving might find themselves with more company.

If that does prove to be the case then the second highest ranking of things modern day motorists miss from those of 20 years ago might not be so important, yes you’ve guessed correctly, fewer vehicles on the road came in at number two in the nostalgia stakes.

Many motorists miss getting their hands dirty doing their own DIY repairs on their vehicle without invalidating their motor insurance, and cheap parking is another facet that is missed by many.

All about the car

It is when you get to the things that motorists prefer about modern day motoring that the message sinks in. All the top ten attractions for modern day driving in the poll were features involving the technology involved in the manufacture of modern day vehicles. More comfort, improved reliability, better safety, air conditioning and in car entertainment all featured. Enhanced fuel efficiency was in there as well, as of course was the greatest scourge to modern map reading, the Sat Nav.

Getting from A to B safely

The message? Well modern day motoring is all about necessity, not about the open road. It is about comfort and safety and not about adventure and intrigue. The modern day motorist is indeed cocooned in his car and to a certain extent appreciates that. It’s just a pity he can’t be cocooned from fuel prices, toll roads and the bogeymen around the corner, congestion charges.

Tags: cheapest car insurance quote
Posted in Car Safety, Car Types, Cheap Car Insurance, car technology | No Comments »

Call for action as car insurance quotes escalate

Tuesday, January 25th, 2011

It would appear that many aspiring university graduates could do far worse than plan a career as a personal injury lawyer, as reports from motoring organisations across the UK suggest they are responsible in part for the continuing rise in the price of car insurance quotes.

Their numbers it seems are growing as fast as motor insurance claims!


According to figures provided by the UK’s largest motoring organisation, the AA, the average cost for a motor insurance policy in the UK has now reached an almost unbelievable figure of £845. The figure is up by over a third on the average price for a policy a year ago and the notion of cheap car insurance seems to be a thing of the past.

So why are car insurance quotes becoming more expensive?

Firstly, the criminal element in the UK has turned their attention to the possibilities afforded by making false claims on motor accidents. Not only this, some criminal factions are now staging car accidents to profit from claims for personal injury when the accident occurred. Unfortunately it is now highly possible that if a car in front of you suddenly stops without any warning, causing you to collide with it, then you have become a victim of a staged accident. The car will probably have three or four passengers and all will make a claim on your motor insurance policy for injuries such as whiplash, and there is little you can do about it. The Insurance Fraud Bureau (IFB) estimate that 30,000 faked and staged car crashes resulted in insurance claims last year and as a result, car insurance in the UK has never been so expensive.

Secondly, the number of lawyers offering personal injury services has rocketed. Many motoring organisations believe their constant advertising techniques using high profile media campaigns is attracting foreign gangs to enter the UK and set up criminal organisations, just to profit from illegal activities around car insurance claims. Whiplash claims for example have increased year on year for the last 5 years. The IFB estimate that each staged crash costs the industry around £17,000 and recent figures show that the problem is getting worse almost day by day.

Solutions needed quickly!

It does appear that unless the insurance industry and the Government can find a way to solve this problem soon, then whole swathes of the population will discover that the price of car insurance cover is beyond them. If this in turn leads to more people driving without insurance then we really will be in a nightmare situation.

Tags: Car Insurance, car insurance quotes
Posted in Car Insurance, Car Insurance Cover Types, Cheap Car Insurance | No Comments »

Car insurance premiums out of control

Thursday, October 14th, 2010

With the cost of car insurance soaring motorists in the UK must be left wondering if honesty is the best policy.

Figures from the latest car insurance price index (CIPI) survey suggest that the average price of a policy is £650, a rise of over one third compared to last October. So where should motorists start looking when they hunt around for a motor insurance quote. There doesn’t appear to be an easy answer to that question. The CIPI is made up of three major players in the market, EMB, The Consultancy and Confused.com. Between them they should have a finger on the pulse of the market and so should not be too far out with their figures.

Young male drivers seem to be faring worse with an average 11% increase in the last three months, enough to push the average policy for a 17-20 year old male up by £280+. Young female drivers fare slightly better but no-one is getting off lightly.

Many motorists often consider insuring a second family car, third party fire and theft (TPFT) to save money but that avenue now seems more like a one way street now. TPFT premiums have risen over 11% in the last quarter and over 50% in the last year making it barely worth taking the risk. And that is the crux of the matter.

More and more drivers don’t bother getting insurance and prefer to take a chance on not being caught, which in turn means higher costs for Honest John. Further to this the National Fraud Authority suggests that false motor insurance claims amount to over £2 billion. The claims for bodily injury claims have metaphorically almost gone through the roof and are literally a pain the neck for many of the big insurance companies.

With the cost of car insurance seemingly on a never ending upward curve, perhaps one way to save cash is to ditch the second car and opt for an any driver car insurance policy, but beware. Insurers are already hiking the premiums on insured plus one policy faster than any others. According to the report these policies have risen 65% for men and 60% for women. Possibly because insurers believe families are using this method to cover young adults in the family home.

Unfortunately the story doesn’t end there. New tough EU solvency rules mean that financial institutions must abide with the new Capital Adequacy Ratios, which basically means they will have to keep more money in the bank. And where do we anticipate that cash will come from?

Tags: Car Insurance, Car Insurance Policy, Car Insurance Quote, premiums
Posted in Car Insurance, Cheap Car Insurance | No Comments »

Car Data Checks a must for used car purchase

Wednesday, September 29th, 2010

Most cars purchased in the UK are second hand and many of these are bought privately. It is always a good idea to complete as many checks as possible on the details of the car. Never arrange to meet the seller anywhere but his home address and certainly not in a car park. Motoring organisations such as the AA offer several services that any purchaser of a second hand vehicle should consider using.

It is a fact that around 30% of used cars sold have some sort of hidden history. This can range from the car being stolen (over 150,000 vehicles are taken without consent every year in the UK) to having the mileage altered.

A Car Data Check (CDC) can cost around £20 for one vehicle with many organisations offering a cheaper rate for multiple checks. Judging by the results, it could well be money well spent. Amazingly, 4% of cars checked turn out to be one of the 600,000 vehicles written off by insurance firms every year. A massive 25% reveal the car has finance on it and 20% have had a number plate change at some time in their lives. The CDC will also ensure the vehicle has the correct Vehicle Identification Number.

Once the car has passed the Car Data Check it is worth spending a little more on a vehicle inspection. A comprehensive inspection will give the potential purchaser a check on many key elements of the car. The interior, including all visual electrical and mechanical equipment, plus the body and paintwork on the exterior of the car, will all be checked detailing any previous accident or damage. A robust 10 mile road assessment is carried out, and at the end of the inspection the purchaser is given a verbal and written report.

This may sound over the top for the purchase of a second hand car, but many vehicles change hands for well over £10,000, a figure that usually represents the second biggest purchase of their lives. Spending an extra £100 or less to achieve at least an element of peace of mind represents good value on a big investment. Of course once all the checks are done and the purchase is agreed, the buyer must get a motor insurance quote on the vehicle before proceeding.

Tags: Advice, advice on buying cars, Car Insurance, Motor insurance, Used Cars
Posted in Advice, Buying used cars, Car Insurance, Cheap Car Insurance, selling a car | No Comments »

Are comparison websites to blame for raising insurance premiums?

Monday, September 6th, 2010

The AA has said the typical price of a motor insurance quote has increased dramatically because of the growing number of fraudulent insurance claims. In the last 13 weeks vehicle insurance premiums have gone up by a record 11.5%.  A typical comprehensive car insurance premium has risen by an incredible 30.9% over the last 12 months.

According to industry experts, during the past 12 months, for every £100 the insurers take in premiums, they have been paying out £122. Insurance companies are getting much better at identifying fraud and they are also bringing in new technology which will help them fight the fraudulent applications. Anyone who is caught making a fraudulent application will find it very difficult to find an insurer willing to take them in the future, and if they do, the premiums will more than likely reflect their bad history.

Simon Douglas, director at the AA, said “The growth of price comparison sites has encouraged fraud, although most people wouldn’t see it as such. It is much easier to manipulate information on a computer screen to find the cheapest price – for example, by changing the facts about past driving experience, than attempting to do so in a conversation with insurance sales staff.”

But Paul Lawler, spokesman for Moneysupermarket.com, disputed these claims saying “I cannot accept that it is any easier to commit fraud on a price comparison website than anywhere else. After all, what is stopping people from entering in fraudulent information into their own website? Or providing that information over the phone?

Most insurance comparison websites will monitor each and every application made by a user and the details are kept on record. If they then try to reapply with very different information it will be flagged up. Comparison websites do not deny there is a problem with fraud in the insurance market. They claim it is the rising number of false claims that are the real problem and point to the proliferation of personal injury companies as an indication of how many people are claiming for injuries in car accidents

Tags: Car Insurance, car insurance quotes, insurance news, price comparison sites
Posted in Car Insurance, Car Insurance Application, Cheap Car Insurance | No Comments »

GAP insurance sales grow

Wednesday, August 25th, 2010

With the motoring world anticipating the new 60 plate that will be on show with new registrations from September 1st. Motoring insurance companies will not only be anticipating a rush of motor insurance quotes for new cars, but also GAP insurance companies will expect a bonanza of business as well. However, how many people know what GAP insurance is?

GAP insurance, is a product now routinely offered to purchasers of brand new cars. Everyone knows that the value of a new car starts depreciating the minute it is driven out of a showroom. GAP insurance is intended to cover purchasers of new cars for any loss of revenue they may incur during the first four years of ownership.

For instance, if a vehicle is stolen from the owner when it is two years old and never recovered. The insurer of the vehicle will make a payment based on the value of the car the day it was stolen. This payment will certainly be far less than the sum the owner paid for the car in the first place, and in many circumstances can be less than the outstanding finance left on the car. Remember most cars are bought with either bank loans or manufacturer finance. In both cases there will almost certainly be several thousand pounds on finance above the value of the loan. An accident or theft can leave an innocent motorist thousands of pounds out of pocket.

GAP insurance is designed to pay the motorist the amount of money he actually spent in the showroom. There are two possibilities for the car owner to consider. He can take a policy out for the price of the car plus the interest on the loan or choose a return to invoice policy which means the policy will pay the actual value of the car when purchased.

There is no doubt that GAP insurance is getting more popular and more competitive. Dealers will always mention GAP insurance on new car purchases, but it does appear that it is worthwhile getting an independent quote as this can save a few pounds. Whichever way the owner goes, he can expect to pay a one off sum somewhere in the region of between £300- £600.

Tags: Car Insurance, Motor insurance
Posted in Car Insurance Cover Types, Cheap Car Insurance, Savings, selling a car | No Comments »

Five hundred million cars from one bright spark

Tuesday, August 17th, 2010

Long before there was any need for a motor insurance quote, people mostly got around by either riding a horse or walking. Then in the second half of the 19th Century two German engineers came along.

Wheels may well be over 5000 years old, but the cars we drive around in only made their debut in 1885. German engineer Karl Benz fastened a small petrol engine to a three wheeled cart and made the first, if somewhat primitive, petrol powered car. He was following in the footsteps of another German engineer, Nikolaus Otto. Otto had actually invented the petrol engine in the first place, about twenty years earlier. It shows what a stroke of genius Otto had when inventing the engine, because almost all car engines designed since have embraced his four stroke principle.

In layman’s terms, a car is a metal box which has wheels at the four corners that takes a person from A to B. In scientific terms, a car would be described as an energy converter i.e. a machine that releases the energy locked inside a fuel such as petrol or diesel and then turns it into mechanical energy which moves wheels and gears. When the wheels power the car, the mechanical energy then becomes kinetic energy. Cars are powered by fuels made from petroleum which is the thick, black, energy-rich liquid. Petroleum is buried deep under the ground and during the 20th century it was the world’s most important source of energy.

A car engine is built around a set of cylinders, there can be anything from two to twelve cylinders, but normally four, six, or eight can be found inside. The cylinders are made out of an extra strong metal and then sealed shut, but at one end they open and close much like a bicycle pump. Inside they have tight fitting pistons that slide up and down inside. At the top of each of the cylinders, there are two valves that can be opened and closed very quickly. The inlet valve will allow fuel and air to enter the cylinder from a carburettor, while the outlet valve allows the exhaust gases to escape. At the top of the cylinder, there is also a spark plug; this is an electrically controlled device that will make a spark which will set fire to the fuel. At the bottom of the cylinder, a piston is attached to an axle which is constantly turning; the axle is called a crankshaft. It is the crankshaft that powers the gearbox of the car which, in turn, drives the wheels.

There’s no doubt that Otto’s petrol engine was an invention of genius, but it is now a victim of its own success. We have over 500 million cars on the planet, the pollution produced by this many vehicles is a serious problem which is likely to get worse before it will get better. The carbon dioxide released when the fuel is burned is also a major cause of global warming. The solution could well be electric cars, as they get their energy from cleaner sources of power or even a hybrid car that will use a combination of electricity and gasoline power.

Tags: Car Insurance, Motor insurance
Posted in Car Insurance, Cheap Car Insurance | No Comments »

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