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Latest Car Insurance News |
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Welcome to Expert Car Insurance News. Here you will find all the latest information concerning the motor insurance industry.Posted August 2006 Drivers use rural rat runs as racetracks A radical request to reduce the speed limit on our rural roads from 60 mph to 40 mph has been made in a report by one of the country’s leading insurers. Direct Line car insurance has pointed to the increase in the numbers of deaths on our country roads as the reason for the suggestion. Nearly 65% of road fatalities each year occur on our country road network and a major contributor to that figure is driving speed according to the report. The 26% of motorists who were willing to admit to driving faster than the limit, it would seem, feel able to do so for a variety of concerning reasons. Amongst the reasons given are a lower number of speed cameras (14%), the lack of police patrols (13%) and few speed humps (12%). But more concerning was the belief that less traffic on rural roads (38%) and fewer pedestrians to worry about (33%) were seen as legitimate justifications for speeding. The situation was also confused, with over 60% of motorists admitting not knowing what the speed limit was and over 50% suggesting that more 60 mph signs were needed to make drivers more conscious of the limit. Hints from Direct Line on how to avoid car insurance claims through accidents on our country roads include: always remember to dip you lights when approaching a car at night from the front or behind; sound your horn at blind bends and be courteous by using passing places generously; be aware that wildlife may cross in front of you and most importantly, just because the speed limit is 60 mph doesn’t mean you have to travel at that speed, drive at the speed that is safe for the road type and conditions. Posted August 2006 Last chance to get Churchill guarantee Churchill’s car insurance offer guaranteeing to beat your current renewal premium provided you have been driving without a claim for at least three years is due to end on 30th September. To get your renewal beating quote the process couldn’t be easier. Simply complete an online quote here save it, then ‘give the dog a phone’. Provided your renewal is verifiable and you meet the claim-free and underwriting criteria then the guarantee stands on a like for like basis. The insurer prides itself on being price competitive by carrying out a weekly evaluation of its car insurance premiums and by retaining its 10% discount for online purchases. They aren’t reducing the service to match the renewal quotes of their rivals, the offer is the normal cover which includes a courtesy car provided you use one of their approved garages and any repairs guaranteed for 5 years (again when approved repairers are used). Granted they are measuring against the whole market, but independent research has shown that just using their standard online quote it’s possible for new customers can save up to £150 by buying Churchill car insurance. The only other renewal-beating offer from a major insurer is from Privilege, but they require 4 years provable no claims bonus on your current renewal. Posted August 2006 More Than try to help young drivers avoid death by late night driving More Than car insurance have launched a new policy branded Drive Time aimed at drivers aged between 18 and 25 years old. It is specifically intended to stop young drivers in this age range from driving at night time when they are twice as likely to be killed in a road incident compared with other times. Statistics show that between 23:00 and 06:00 four out of ten accidents involving young drivers result in death, as against two out of ten outside those hours. Also the percentage of accidents involving death where the drivers are young is 28% even though this age group only makes up around 10% of the driving population as a whole. Young drivers can save 40% off the standard car insurance premium rate if they take this new option which is policed by a GPS ‘black box’, fitted to the car by an engineer at no extra cost, which records the time of day that the car is being driven. If the motorist decides to drive their vehicle between the hours of 11:00 pm and 6:00 am then a fee is levied. This fee is currently set at £25, and as such would quickly overcome the original discount if the curfew were repeatedly broken. According to More Than’s research, over 40% of young drivers already do the majority of their driving during the daytime and in the evening, thus avoiding the 23:00 to 06:00 more dangerous period. They claim that it is these safer young motorists that Drive Time is primarily aimed at, offering them considerable savings on their insurance premiums. It’s still early days for this innovative product as More Than are still looking to understand the possibilities offered by, and the impact of, this new insurance policy by organizing a pilot of 2000 drivers. Posted August 2006 Summertime Crime - On view means available, to the thief Car security is improving in leaps and bounds in terms of the technology stopping the casual and even the ‘professional’ thief from entering an unattended car and even more preventing them from starting it and driving it away. But theft from cars by the opportunist thief assisted by the careless actions of the driver and passengers leaving valuable items on show is resulting in many refused car insurance claims. Admiral has recently issued some surprising information drawn from insurance claims made for theft from cars. This phenomenon is most prevalent in the winter months, but in summer the desire to leave the windows open in the hot weather results in the second highest period for this kind of crime. Admiral issued a warning to ensure that all items of value are secured, out of the gaze of passers by either in the locked glove compartment or in the boot. The reasoning is simple, most car insurance policies have a low sum insured for personal effects stolen from your car, £100 is common (not including stereos which normally are covered under separate conditions within the policy). This means that insurers are receiving many insurance claims that are not covered and that have to be refused. Admiral issued a list of the top ten items claimed for which showed some unexpectedly ordinary things attracting the thief. They included CDs, sunglasses, satellite navigation equipment, mobile phones, handbags, golf clubs, MP3 players, sports kit and jewelry. Some of these demonstrate the complete opportunist nature of the thefts, with items stolen being easily resold. It also shows the disappointment that many owners will feel when they realise they are not covered on their car insurance policy as in many cases the value is considerably more than £100. February 2006 to March 2006 News Articles January 2006 to February 2006 News Articles December 2005 to January 2006 News Articles August 2005 to November 2005 News Articles April 2005 to July 2005 News Articles May 2004 to December 2004 News Articles March 2004 to April 2004 News Articles
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