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eGroup Motoring & Insurance News November 08
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eGroup Motoring & Insurance News November 08

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Motorists warned that unused cars should still be insured

Car insurance from eCar Insurance Motorists contemplating cancelling their car insurance as a result of parking their second or third vehicles in a garage permanently to cut costs have been advised to give the idea a second thought.

With many families focusing on using one car to keep costs down and leaving another vehicle unused to combat the credit crunch, Adrian Flux Insurance Services has warned drivers of the continued risk of fire and theft.

The company states that if a driver does cancel their cheap car insurance because a vehicle is not going to be used and kept off the road, it is unlikely that a household insurance policy will cover any damage it may suffer.

Gerry Bucke of Flux said: "We recommend people contact their insurance company and change their cover to 'fire and theft only' if they decide to take their vehicle off the road. "That way they can be sure they won't be caught short if something nasty happens."

Research earlier this year from Deloitte found that 18 per cent of motorists plan to get cheaper car insurance by downgrading from a comprehensive car insurance policy to third party cover

Source: eCar Insurance 24-11-08 Back to top

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Extra points for speeders under government proposals

Car insurance from eCar Insurance Finding cheap car insurance could prove to be more of a problem for many motorists as government proposals seem set to lead to drivers caught breaking a speed limit by 20 miles per hour being punished with six points on their licence.

Currently, magistrates have the power to award a driver six penalty points if excessively speeding, but under the new proposals, the same number of points could be given out under a fixed penalty.

However, Nigel Humphries of the Association of British Drivers believes that drivers making normal progress could find themselves being hit by the punishment, decreasing the chances of a driver obtaining cheaper car insurance in the future.

He said: "Nobody minds people getting six points for driving past a school at 50mph when the children are milling around, but most of these six point penalties will be dished out on dual carriageways where the limit is 20mph below a reasonable speed."

A recent study by Hyundai discovered that many youngsters prefer the driving of their mother over their father because fathers drive faster, more aggressively and regularly lose their tempers behind the wheel

Source: eCar Insurance 24-11-08 Back to top

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Cold weather tyres offer road safety boost

Car insurance from eCar Insurance Motorists looking to boost their road safety over the winter months have been advised by TyreSafe to plump for cold weather tyres.

With many motorists opting to continue driving around on more standard tyres, the firm suggests that cold weather tyres could be the answer to reducing road accident numbers. Figures from the Department for Transport reveal that last year slippery roads caused 55 per cent of road accidents in which the road environment was a factor.

TyreSafe chairman Rob Beddis said: "With temperatures frequently below seven degrees C in the UK over the winter, particularly in rush hour when the traffic is at its heaviest, cold weather tyres offer a sensible alternative on the wet roads. "They are designed to perform more effectively in the cold and wet weather, dramatically improving stopping distances."

Recent research by moneysupermarket.com stated that a motorist could see a cheap car insurance quote rise by as much as 60 per cent if they are deemed to be at fault in an accident.

Source: eCar Insurance 21-11-08 Back to top

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Fault in accident leads to car insurance increase

Car insurance from eCar Insurance A motorist who is declared to be at fault in an accident could see their future car insurance quote rise by as much as 60 per cent, new research has found.

Moneysupermarket.com has looked at ten million quotes and discovered that it is exceedingly hard for a motorist at fault in an accident to find cheap car insurance when they have to renew their quote.

The research found, slightly worryingly, that bus drivers are the most liable to crash their own cars (16 per cent), with those in the health industry, including GPs and speech therapists also high on the accident fault list.

Peter Gerrard, head of insurance research at moneysupermarket.com, said: "Being at fault in a car accident is terrifying enough for any motorist but with purse strings tightening all over the country a hike of over 60 per cent on premiums should make Brits think twice about running risks on the roads.

"When an insurer risk assesses a driver, any history of accidents will no doubt mean motorists pay more."

Sheilas' Wheels recently stated that women are often provided with cheaper car insurance than men because the cost of their claims after an accident is much less.

Source: eCar Insurance 5-11-08 Back to top

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Barnes escapes driving ban after car insurance blunder

Car insurance from eCar Insurance Former Liverpool and England footballer John Barnes has escaped a driving ban because he claims that he cannot afford to pay for a driver.

The 44-year-old still earns £4,000 a week, but after being caught driving without car insurance he has escaped punishment.

Barnes already had nine points on his licence, but the six point penalty for driving with no licence, which would have taken him over the 12-point instant ban limit, was not activated by magistrates in Northwich, Cheshire.

He told magistrates that he couldn't hire a driver because his wages "varied drastically" while adding that a driving ban would prevent him carrying out his new job of managing the Jamaican football team, as he couldn't rely on public transport to view matches.

Barnes said: "I'd been in the Caribbean for two months when my insurance ran out and I thought my wife had sorted it out."

The current ITV pundit was fined £2,000 and the points were imposed on his licence but suspended.

Around one in every 20 motorists are hitting the road without even cheap car insurance, according to the Association of British Insurers.

Source: eCar Insurance 3-11-08 Back to top

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Motorists failing to wear seatbelts

Car insurance from eCar Insurance More than one in ten motorists (12 per cent) admit to not wearing a seat belt when driving short distances because they do not think they will be involved in a road accident, new research has found.

Direct Line has revealed that 19 per cent of motorists admit to not wearing a seatbelt, with some interesting reasons stated for this.

Among the top excuses include 38 per cent of motorists saying they simply forgot, 11 per cent saying they do many short trips and have to regularly get out of a vehicle and eight per cent honestly saying they can't be bothered.

Maggie Game, head of car insurance for Direct Line, said: "Taking a few seconds to put your seatbelt on can significantly reduce the likelihood of being seriously injured or killed in a car crash.

"Motorists should not start a journey until all occupants have buckled-up in preparation for what is one of the most dangerous activities we undertake."

Recently, moneysupermarket.com discovered that a motorist found to be at fault in an accident could see their future car insurance quote rise by as much as 60 per cent.

Source: eCar Insurance 6-11-08 Back to top

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Motorists leaving valuables in vehicles

Car insurance from eCar Insurance Motorists are leaving themselves more open to future rises in car insurance costs by failing to remove valuables from their vehicles.

According to a report from LV=, items such as mobile phones, clothes and wallets are generally left in vehicles on UK roads, encouraging thieves to break into them.

The report found that the average value of the goods left in a car is £380, while younger drivers are equally as lax with removing their possessions.

Some 40 per cent of all thefts occur on residential streets. However, despite the perceived high risk of car parks, only nine per cent of thefts occur there.

Emma Holyer, spokesperson for LV= Car Insurance, said: "These figures show a casual attitude amongst motorists when it comes to leaving their belongings in their car.

"The fact is that most car break-ins are by opportunist thieves who would probably not bother to break into the car if it looked as though it didn't contain anything to steal."

According to Sheilas' Wheels, women find it easier to get cheap car insurance because they make less costly claims.

Source: eCar Insurance 7-11-08 Back to top

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Road casualty reduction aided by high fuel prices

Car insurance from eCar Insurance The high fuel prices that have especially hit motorists in recent months have been touted as the main reason for a reduction in road casualty figures.

Government figures for the second period of 2008 showed that the number of deaths due to road accidents has decreased, and AA president Edmund King has put this down to increases at the pumps.

He argues that the result of high petrol prices was that motorists drove more economically to save money and generally reduced the amount of time they used their vehicles.

"This quarter saw petrol prices rising towards their maximum, which was reached on 17th July, and industrial disputes affecting petrol supply. 77 per cent of drivers in our AA/Populus survey said they had reduced journeys, cut back on other expenditure, or done both as a result of high fuel prices," he said.

"Drivers also indicated that they were slowing down to save fuel. These actions could have contributed to a reduction in accidents and deaths."

Driving more economically and decreasing the chance of being involved in a road accident could also have a positive impact on a driver's search for cheap car insurance, as they build up their no claims bonus.

Source: eCar Insurance 7-11-08 Back to top

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Win or lose motorists should pay legal bills for speeding

Car insurance from eCar Insurance Motorists should be forced to pay their legal bills when they challenge a speeding ticket even if they win their case, it has been stated.

Every year, 1.7 million drivers take their cases to court and government ministers are creating proposals which would see defendants lose their right to claim back their costs, a right that has been in action for a century.

Jack Straw's Ministry of Justice has published a consultation paper explaining the proposal, with it costing £1,500 per case to fight charges of speeding.

Junior Minister Lord Bach said: "Just as an individual who chooses to put their child through private education does not reclaim this cost from the education system, nor should public funding recompense those who choose to pay privately for a lawyer when a publicly-funded alternative is available."

A motorist caught speeding does not only have to pay an on the spot fine but will also see points added to their driving licence, which in turn increases the cost of a future car insurance quote.

Source: eCar Insurance 7-11-08 Back to top

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Clearing boot offers financial savings

Car insurance from eCar Insurance Many motorists are increasing their car running costs by not clearing unneeded baggage out of the boot of their vehicles, according to The Energy Saving Trust.

The organisation's smarter driving expert Tim Anderson has stated that by not removing unneeded belongings out of a vehicle's boot, a person is increasing the amount of fuel they are using.

Thus making the point that a vehicle can achieve more miles per gallon of fuel if it holds a lighter load.

He said: "The reason we are talking about clearing out their boots is because actually by carrying around excess stuff in the back of the car, the car has to work a little bit harder so it uses more fuel.

"That adds to your fuel costs and it also increases the amount of carbon dioxide and CO2 that your car emits."

Another way a driver can lower their motoring costs as well as emptying their boot is to step up their search for cheaper car insurance by making more of an effort to shop around.

Source: eCar Insurance 7-11-08 Back to top

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Money more important than shorter commute for UK workers

Car insurance from eCar Insurance Brits would be more willing to clock up a few extra miles on their daily commute to work than take a pay cut, a new study has found.

Despite growing numbers of Brits looking into the possibility of adopting a more flexible work load, many are now coming under economic pressure as the cost of living keeps rising, forcing them into accepting long journey times as a necessary evil and looking to try and locate cheap car insurance.

According to research carried out by the Trade Unions Congress (TUC), UK workers commute for an average 54 minutes each day, with those employed within the financial sector most likely to be on the road for an hour or more.

Furthermore, it was found that those in senior management positions or in well-paid industries such as mining were commuting for the longest, with a sizeable majority unwilling to give up their jobs in favour of something closer to home.

Paul Sellers, working time policy adviser at the TUC, explained: "People will travel a long way for jobs in mining and quarrying because those are quite well paid jobs for those who don't have many qualifications.

"Many of those workers would prefer to stay in the industry than take a 50 per cent pay cut and work nearer to home."

Source: eCar Insurance 31-10-08 Back to top

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Eco-driving offers financial and health benefits

Car insurance from eCar Insurance Improvements financially and in a driver's road safety are among the key reasons why a motorist should drive more economically, a driving examiner believes.

Bob Millard, the Driving Standard Agency's assistant chief driving examiner, states there are many incentives to driving economically including making a wide range of financial savings.

He said: "Good driving and road safety is based on hazard perception and this is also the foundation of eco-safe driving. By adopting eco-safe driving techniques, drivers will be safer, with a reduction in the risk of accidents, and their journeys will be less stressful.

"Eco-safe driving does indeed reduce wear and tear on a vehicle, and maintenance costs can also be reduced (in addition to the savings made on fuel)."

By lowering the risk of being in an accident, a motorist opting to drive in a more environmentally-friendly way may also increase their chances of finding cheap car insurance in the future, as they build up a no claims bonus.

Source: eCar Insurance 6-11-08 Back to top

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Young men better at junctions than women

Car insurance from eCar Insurance Young male drivers cope better at busy junctions compared with their female counterparts, new figures have stated.

The Institute of Advanced Motorists (IAM) has revealed that 43 per cent of young men struggle to cope with busy intersections in urban areas, compared with 46 per cent of young women.

To help reduce these figures, the IAM is calling on the car insurance industry to recognise the benefits of young drivers who pass additional driving courses and provide them with a cheaper car insurance quote as a result.

Also, the education system is being asked to integrate road safety education into the core school curriculum to help youngsters be more aware of their responsibilities on the road, whether as a driver, passenger or pedestrian.

Kevin Delaney, IAM head of road safety, said: "The majority of young drivers have the right attitude to driving but aren't fully prepared for dealing with more complicated junctions, which they may not have come across in order to pass their driving test."

Cheaper car insurance is available for young motorists who undertake additional driving courses such as a Pass Plus exam, according to the Association of British Insurers

Source: eCar Insurance 13-10-08 Back to top

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Motorists want elderly driver re-tests

Car insurance from eCar Insurance A large percentage of motorists believe that elderly drivers should be forced into taking some kind of regular driving test to prove they are fit for the roads.

A poll by breakdown company Autonational Record discovered that 40 per cent of the 1,000 adults questioned believed a driver should be re-tested when they reached 70.

Another 14 per cent believed re-testing should be brought in once a driver reached 65 and 12 per cent thought 60 was an appropriate age for a re-test.

Some 11 per cent believed an elderly driver should only take their test again if they were involved in an accident and just 13 per cent stated they should not be re-tested at all.

Also, some motorists aged over 70 lent their weight to the argument that re-tests should be applied.

Autonational's marketing manager Ronan Hart said: "It's estimated that a quarter of all drivers will be 70 or over by 2050 compared to just 9 per cent now.

"And statistics show that those aged 70 or over are three times more likely to be involved in a road accident than those aged between 45 and 60."

Elderly motorists looking to make savings on a car insurance quote may want to consider shopping around to try and get cheap car insurance.

Source: eCar Insurance 21-10-08 Back to top

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Motorists told not to go without car insurance

Car insurance from eCar Insurance As the finances of many people continue to be squeezed by the credit crunch, consumers have been advised to think carefully if they are to cut back on certain payments.

The British Insurance Brokers' Association (BIBA) has stated that many people will be looking to make financial cutbacks to reduce expenditure, but they should be careful where these cutbacks are made as some payments are unavoidable.

BIBA technical and corporate affairs executive Graeme Trudgill has stated that payments such as car insurance are required by law so these have to be paid.

"If you are going to review your insurances there are some that you should keep and some that you perhaps don't need," he added.

Among the policies that a person can safely cancel is that of their mobile phone or internet.

A way in which a person could save money without totally foregoing car insurance is to shop around for cheaper car insurance quote.

Other ways to make savings could include reducing the chances of a car being damaged or stolen by fitting it with an alarm or parking it in a garage where possible

Source: eCar Insurance 29-10-08 Back to top

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Money more important than shorter commute for UK workers

Car insurance from eCar Insurance Brits would be more willing to clock up a few extra miles on their daily commute to work than take a pay cut, a new study has found.

Despite growing numbers of Brits looking into the possibility of adopting a more flexible work load, many are now coming under economic pressure as the cost of living keeps rising, forcing them into accepting long journey times as a necessary evil and looking to try and locate cheap car insurance

According to research carried out by the Trade Unions Congress (TUC), UK workers commute for an average 54 minutes each day, with those employed within the financial sector most likely to be on the road for an hour or more.

Furthermore, it was found that those in senior management positions or in well-paid industries such as mining were commuting for the longest, with a sizeable majority unwilling to give up their jobs in favour of something closer to home.

Paul Sellers, working time policy adviser at the TUC, explained: "People will travel a long way for jobs in mining and quarrying because those are quite well paid jobs for those who don't have many qualifications.

"Many of those workers would prefer to stay in the industry than take a 50 per cent pay cut and work nearer to home."

Source: eCar Insurance 31-10-08

eGroup is a wholly owned subsidiary of Group Direct. eGroup has been commissioned by Southern Rock Insurance to develop and administer its internet based insurance sales and administration systems.  All sites allow customers to buy and fully administer their own policies online from quote to renewal.

This allows Southern Rock to keep expenses extremely low and pass some of those savings on to the consumer. The first of these sites, eBike, was launched in April 2005 to much acclaim and has in its first 18 months sold around 50,000 policies since its launch. eGroup is currently developing a number of new e-products:  ehome, eTravel, eMinibus, and Radical.com (a young driver product). They expect to see an explosive growth in the field of e-commerce and we are well positioned to take advantage of the developing market.

See also: March 2008: e-group insurance products are now available at jml Insurance

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Please note, all details on any of the Insurance industry Press Releases displayed on this site are provided by insurance companies, organisations, Government departments and media and jml Property Services does not take any responsibility for their content or accuracy.

 

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