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When a motor insurance quote leaves you sick as a parrot

Thursday, February 17th, 2011

http://www.motorquotedirect.co.uk/car-insurance-blog


What have politicians and professional footballers got in common? No, it’s not what you think! You may be forgiven for thinking the answer is that they both get an awful lot of money for doing very little, and you may well be right, but the answer according to a survey by a leading motor insurance provider is that they are two of the leading professions when it comes to committing motoring offences.


Top of the league

The insurance company reports that professional footballers are indeed top of the league when it comes to motoring offences with almost 1 in 3 having acquired points on their driving licences. Everyone knows the profession is a point’s led business but the points many of the players are accumulating in these circumstances may well leave them sick as a parrot.

Of course top professional footballers have a reputation for earning big money and driving big cars, well it seems for sure that a lot of them also get big car insurance quotes when their policy is up for renewal.

Hot air

Politicians also managed to get in the top ten, finishing in seventh position. Approximately 1 in 5 of our MPs and policy makers has points on their licence, which is about double the national average. In their profession it is probably not so much about accumulating points as making them. Obviously some of them or making more points on their travels than they do in the Houses of Parliament. Whether the hot air coming out of their cars exhaust is comparable to the amount they generate in Westminster is of course an entirely different matter.

Up there at the top of the table with the Footballers and MPs were media types in the guise of sound editors and cameramen and perhaps not surprisingly travelling salesmen who spend a lot of their working day in their vehicles.

Best behaved

The professions with the best behaved drivers are au pairs who are probably mindful of children in their vehicle, driving examiners who obviously practice what they preach and cardiographers who obviously put their heart into it!

Overall 1 in 10 drivers in the UK have points on their driving licence and all will discover they have to pay more for car insurance cover when the time comes.

Tags: Car Insurance, Car Insurance Application, motor insurance quote
Posted in Car Insurance, Car Insurance Claims | No Comments »

Driving us mad

Wednesday, February 9th, 2011

All motorists have their pet dislikes, a fact that was very much proved by the response to an article in a national paper recently whereby the writer asked his readers to let him know exactly what antics by other drivers upset them.

Do some people even organise their car insurance cover on a garage forecourt?

Disappointingly for me, my pet gripe was nowhere near the top of the list but it at least did better than my partners. For myself, the person who takes half an hour to get in their car and rearrange their seat, their seatbelt, their mirror, radio and whatever else can be possibly rearranged before driving away from a petrol station when I am waiting behind them really does drive me to distraction. For my partner anyone driving noticeably slower than the speed limit and especially if they are old, is enough to make her go apoplectic with rage, which I personally believe is a little dangerous to be like when you are now in your 50’s yourself!

Just have a little patience

Anyway the telegraph readers complained; err, wrote in by their hundreds. Drivers who do not signal at roundabouts was a huge favourite amongst the complainers as were lorry drivers who take an age to pass another lorry and consequently caused huge tailbacks behind them. All these complaints represent more than anything else a lack of patience, and I for one accept that, although it doesn’t make me feel any better. Perhaps we should exercise the same restraint we do when getting motor insurance quotes online. It sometimes takes a bit of time to fill out the form but it’s worth it in the long run.

It didn’t stop there though. Drivers who drive without lights infuriated lots of drivers and believe it or not those that had their lights on in the day infuriated equally as many. Those who don’t dip apparently infuriate us all, from which we must presume that the culprits are so bad at driving that they don’t know they are doing it.

Lawbreakers

Of course then we get to the real lawbreakers whose antics are so common place that we don’t include them in our list. However, driving while using a phone, tailgating and speeding all figured prominently at the top of the list. All of course are illegal activities and drivers found guilty of such offences can forget about cheap car insurance for a year or two.

Tags: Car Insurance
Posted in Car Insurance, Car Insurance Application | No Comments »

Dubai a distant memory as F1 gets ready for Bahrain

Thursday, February 3rd, 2011

Although it only seems like yesterday that one of the most exciting seasons of Grand Prix racing came to an end, the cars for the 2011 season have started to make their bows. Earlier this week Michael Schumacher posed in front of his gleaming new Mercedes car and spoke about his chances of winning the Championship. Of course it won’t take much for him to improve on last year when he had so many collisions that the mind boggles on just how much a common or garden motor insurance quote would have cost him to drive on the public highway in the UK.


Room for improvement

Front man and brains behind the team Ross Brawn thinks Schumacher will improve greatly this year and will be much nearer racing colleague Nico Rosberg when the points are counted at the end of the Year.


Ferarri and Red Bull prepare in Spain

The Mercedes team were not the only ones talking up their new car either. Red Bull who won the drivers and constructors title last year was out with their offering for 2011 as well. They put the new model through its paces at the Valencia circuit in Spain. Reigning Champion Sebastian Vettel, the youngest ever champion at just 23 years old, put the new car through its paces and will be joined once more by Mark Webber who completed a great year for Red Bull by finishing in third position, just behind Vettel and Alonso.

Alonso himself was critical of the changes in regulations demanded of the cars this year. He said that the changes in regulations imposed on the engineers made driving the cars much more difficult and fears the people in control of the sport are in danger of losing focus on the fact that the sport is about driving. Nevertheless the enigmatic Alonso was proving to be the fastest driver on the track hurtling his Ferrari F150 around the Valencia track much quicker than anyone else.

It seems the Bahrain GP will be something of a step in the dark for many teams as the new regulations take some time to implement but one can already imagine that low cost car insurance will have no part to play as the season unfolds.

Tags: Car Insurance, F1, F1 2011 Season, F1 Grand Prix
Posted in Car Insurance | No Comments »

BSM set to hand over keys

Tuesday, February 1st, 2011

In times when running a business is fraught with danger you would have thought that one industry that would have survived almost anything is that of driving schools. The industry has a ready supply of new customers year after year and over 90% of people getting their first motor insurance quotes after passing their driving test do so after being tutored by a qualified instructor.

It does came as a shock then to hear that the UK’s largest driving school, the British School of Motoring (BSM), is in dire financial straits and looks set to be rescued by its biggest rival, the AA. It seems many years ago, and indeed is… since I handed over my weekly £8 to pay for a driving lesson with the BSM and fondly remember my driving instructor Mr Cooper advising me to go with a certain motor insurance company because he had been with them 20 years and never had an accident!

Who’s in the driving seat to take over?

Acromas, the company behind such well known brands as Saga and the AA look set to complete a pre-administration deal which will see them take over the management of BSM’s driving instructors, although they will keep the brand name.

It is an ignominious end for the 90 year old company who started teaching the people of Britain how to drive in the years between two monumental World Wars and when car insurance cover was a phrase that had yet to hit the world.

The problems for the present day company can be traced back to 2009 when BSM bought out a German firm called Arque industries. The deal never realised its potential and has been a weight around the neck of BSM ever since.

Will it affect those taking lessons?

Reports that staff have not been paid their January wages have not helped the company and it seems as if the interest from Acromas has indeed saved the day for the once proud group. It is thought the self employed driving instructors of BSM will carry on regardless of the take over and so there should be little disruption for young drivers preparing to take their first driving lessons.

City firm Pricewaterhouse Coopers are said to be organising the buyout which in the end will be for little more than a nominal sum.

Tags: Car Insurance
Posted in Driving schools | No Comments »

Fuel price beyond a joke

Thursday, January 27th, 2011

As the price of fuel rises inexorably, the call for the Government to postpone the next rise in fuel duty and actually freeze the levy, continues apace. Motoring organisations unanimously have called for the April fuel hike to be abandoned, and the poor motorist who is still coming to grips with his latest car insurance quotes hardly knows where to turn as his motoring costs escalate.

SMMT ask Government to think again

The latest organisation to weigh in with an opinion is the Society of Motor Manufacturers and Traders (SMMT) but they are not alone. The Chief Executive of the SMMT, Paul Everitt, spends an enormous amount of his time “bigging up” the motor industry in the UK and he feels the fuel duty rise planned for April could well undo all the hard work the industry has put in over the last 12 months to keep its place in the market.

The SMMT called for the Government to adopt a measured approach in implementing taxes on the consumer but most motorists will feel a measured approach is not exactly what they are experiencing. Petrol and diesel prices are nudging up almost daily and drivers are now past the point of driving around a little to see where the best prices are, it is simply too expensive.

Insurance for drivers going through the roof!

On top of fuel prices, the AA announced last week that the average price a motorist is paying to get car insurance cover is now over £800.

Not exactly the scenario then for hitting the open road and just enjoying the thrill of driving for the sake of it. In fact, thinking about it, when did you last just get in the car and go somewhere to enjoy the drive. Of course living anywhere in the South-east you would actually have to set off in the middle of the night to get anywhere, which would somewhat diminish the view, but joking apart, has the Government forever taken away the last remaining shreds of joy anyone got out of driving.

There is now talk that in the far flung reaches of Scotland the hike in fuel duty may well take the price of a gallon of petrol over £8, and one can imagine the look of anguish on motorists faces up there when they can see the oil pipeline bringing petroleum back to shore from the North Sea as they fill their car up at a petrol station and watch the £ signs flash by.


Tags: Car Insurance, Car Insurance Quote, Fuel price
Posted in Car Insurance | 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 »

5 Top Tips for Saving Money on Your Car Insurance

Monday, January 24th, 2011

With the recent sting of the recession, rise in VAT and the ever increasing petrol prices everyone is a bit strapped for cash at the moment. So, here at MotorQuoteDirect we thought this would be the perfect time to let you in on a few tips on how you can keep your car insurance quotes low and save money! Just follow these 5 simple tips and save yourself a bundle on your next car insurance quote:

Don’t Pimp Out Your Ride – You may think that adding a body kit or huge spoiler to your car is seriously cool (well if you are 17 anyway). However, your car insurance provider probably won’t agree! Modifications on your car mean more to insure and more potential risk meaning your premiums will soon be on the rise.

Keep it safe – You may be put off by the initial cost of a car alarm system, a steering lock or an immobilizer but the return on your insurance premium will be worth the investment. The safer you keep your car the less likely you are going to have to claim on your insurance and the lower your premiums will drop.

Check What’s Covered – It may seem obvious but it is always worth checking exactly what is covered in your policy and asking yourself “do I need all this?” Do you really need Fully Comprehensive or will Third Part Insurance do? Do you need breakdown cover or a courtesy car? Etc. Make sure you check out all your options before making a decision!

Do you need to take the car? – Your yearly mileage can have quite a noticeable effect on your insurance premium as the more you drive your car the more likely you are to have an accident. So, the next time you have the munchies and want to go to the corner shop why not walk instead of drive.

Pay Upfront – It may seem tempting to spread the cost of your car insurance over the year rather than paying upfront but this can end up costing you a lot more. If you choose to pay your premium monthly you will be using a credit service and could be charged up to 29% APR! So pay upfront and save yourself a bit of hassle and money.

So there you have it, simply follow these simply and easy tips and you are sure to save yourself a bit of cash on your car insurance. Anyone got any other good tips to share?

Tags: Car Insurance, Car Insurance Tips, Cheap Car Insurance, Money Saving Tips, Save Money on Car Insurance
Posted in Car Insurance, Car Insurance Cover Types | No Comments »

Insuring an electric car

Thursday, January 20th, 2011

Insuring an EV (electric vehicle) is similar to insuring a regular vehicle and once a customer has picked an insurance company to cover their electric vehicle, they will then have to pick which policy is best suited. There are still some challenges and benefits involved when insuring an electric vehicle and it is important to make an informed policy choice.

When it comes to insuring the vehicle it should be remembered that electric vehicles are still fairly new to the automotive market and will require specialized parts, not to mention specially trained mechanics who can properly repair them after an accident or breakdown. This means parts will often not be readily available locally and will need to be ordered. Additionally, the specialized mechanics will cost more money as well and this will all need to be considered by insurance companies. Generally, electric vehicles are bought primarily by drivers who wish to do something about the environment and not because of the cost, so the extra costs involved in insuring the vehicle do not come into the equation. However, knowing that repairs will be more expensive than many gas vehicles allows a buyer to make a much more informed decision.

At the moment the vast majority of people still get a motor insurance quote for a petrol or diesel vehicle. However this is likely to change in years to come as electric models become more popular. The Government currently offer grants of up to £5,000 for everyone who buys an electric car, but they are still a lot more expensive than many similar diesel vehicles. It is worth getting quotes for cover before purchasing the vehicle and remember that electric vehicles are not liable to road tax or the congestion charge in London.

Some electric car owners lease the battery that powers the vehicle and some insures feel that this makes insurance cover more complicated. Anyone leasing the battery needs to make that clear to the insurance company before getting a motor insurance quote. Anyone in this situation should make it very clear to the insurer before purchasing insurance. The battery is normally the most expensive part of the car so the insurance needs to be correct, otherwise the driver may be liable after an incident. Electric vehicles are cheaper to run but most will travel only 40-70 miles before needing a recharge. The Coalition Government are subsidising the roll out of extra charging points across a number of United Kingdom cities, making it easier to use an electric vehicle.

Tags: Car Insurance, car insurance advice, electric car
Posted in Car Insurance | No Comments »

Applying for a provisional licence to drive

Tuesday, January 18th, 2011

Before anyone can get a motor insurance quote and before even learning to drive a car, moped or motorcycle, a provisional driving licence must be applied for. If a valid full driving licence is already held and the driver wants to learn to drive larger vehicles; a bus or minibus for instance, then they will need to apply for a provisional entitlement for these vehicles.

Applying for the first provisional driving licence for a car, moped or motorcycle can easily be done online using the DVLA (Driver and Vehicle Licensing Agency) secure and easy to use online service. If however the driver has no access to the internet they can apply for a provisional driving licence by filling in the D1 application form that is available from the DVLA form ordering service and is also usually widely available from Post Office branches throughout Great Britain.

As well as the original documentation which confirms the identity of the driver, a passport style colour picture and the correct fee needs to be sorted out before sending the completed application to the DVLA in Swansea. If the provisional licence is required quickly it may be possible to use the premium checking service. Every application will require someone of a professional nature such as a doctor, to sign the reverse of the photographs to confirm the identity of the applicant; this is to ensure that fraudulent application is not being made. This is common practice, just as it is when applying for a new passport. The doctor will be more than happy to do this and will probably have done this many times for different people; he will normally charge a fee for this.

From the time of submitting the application to receiving the licence can be anything from three to six weeks. Applications are quite often completed much more quickly but it is wise to allow this period of time. It is important to remember that while waiting for the arrival of the provisional driving licence, the driver is not permitted to drive any vehicle and this includes one owned by a driving instructor. All driving instructors will ask at the start of the first lesson for proof of the driving licence and without it they will refuse to start lessons. Upon receipt of the provisional driving licence the lessons can begin and should always be carried during every lesson. The licence can be applied for up to two months before the licence is due to start. But it is against the law to get behind the wheel until the driver’s 17th birthday.

Tags: Car Insurance, DVLA, licence, provisional drivers, Young Drivers
Posted in Young Drivers Car Insurance | 1 Comment »

Electric Vehicles are on a fast track to the mainstream

Thursday, January 13th, 2011

Less than two weeks into the New Year it is interesting to see the growing momentum enjoyed by EV (Electric Vehicle) manufacturers. More businesses are interested in buying an electric car and some have stated that they are definitely going to purchase an electric vehicle at some point during 2011, while others are already investigating leasing an electric car. With petrol prices showing no signs of going down, long term, an EV will be the answer for a lot of companies.

The numbers are still small but with fuel efficiency regarded as the biggest factor influencing purchasing decisions, it is believed by many that hybrid and electric vehicles will see the lion’s share of growth over any other vehicle category in the next few years. Numbers are expected to increase in the coming years as prices start to drop and it is more than likely to take about five years for low and zero emission cars to reach a level where they are affordable enough for mainstream adoption. Once this happens it will become common place for these vehicles to covered by single driver car insurance through to any driver car insurance throughout the land.

Just six years ago fuel efficiency was forecast to become the number one consumer concern when buying a vehicle and this has seen a huge shift in the thinking of the auto industry executives. No EV manufacturer wants people running out of power on the motorway, just as they do not want to see the cities clogged up with pollution spouting vehicles which are only on the roads for 15 miles each day.

The new-found popularity of green cars will be further underlined later this month at the Detroit Auto Show, where electric, hybrid and fuel efficient vehicles are going to dominate proceedings. Toyota, Honda and Chevrolet amongst others are all expected to début cars boasting significantly improved fuel efficiency. Sports car enthusiasts will not like it, but the march of the green car is looking unstoppable.

After what at best can be described as a “challenging year” for Toyota, (particularly in the US), the Japanese firm has unveiled a whole new family of hybrid models, creating what it calls a Prius family. The new Prius V is a five-sweater family car with an increase in boot space of 50% on the current Prius model. The car will be powered by a 1.8-litre petrol engine combined with an 80bhp electric motor. It is due to go on sale this summer in the United States, it’s unlikely to make it to the UK forecourts before early next year, but it signifies the start of a major hybrid offensive by Toyota, who intend to introduce 11 new models to its hybrid line up in the next 2 years, seven of which will be brand new.

Tags: Car Insurance, car technology, Electric Cars
Posted in Car Insurance | No Comments »

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