Car Insurance Is Cheaper Than A Year Ago But 70 Per Cent Said Their Premium Went Up – Here's How To Cut Your Costs | The News Amed
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Car Insurance Is Cheaper Than A Year Ago But 70 Per Cent Said Their Premium Went Up – Here’s How To Cut Your Costs



CAR insurance premiums have dropped for the first time in three years – but Brits say they haven’t noticed the difference.

The average annual policy now sits at £768 – down by £13 from 12 months ago, according to latest figures.

Alamy Car insurance premiums have fallen – but have you noticed?

Reforms on injury payouts and whiplash laws have seen insurers slash prices.

But 70 per cent of drivers said their renewal quote has actually gone up.

And’s price index report found it was down to motorists staying with the same insurer.

Figures show Brits pay an average £45 “loyalty tax” by not shopping around each year.

How to cut your car insurance premium

Never auto-renew: You can knock potentially hundreds of pounds off your annual bill by not letting your premium auto renew and going with a new insurer instead. Under new rules brought in last year insurers have to show clearly how much you paid last year so you can see how much more you’ll be paying, so you should know what your extra costs will be. Check your job title: Recent research found drivers could be forking-out almost £700 more by incorrectly saying they’re unemployed when they’re actually studying. But whatever you do – don’t lie about what your job and try and cheat the insurer. If you do your insurance could be invalid and you’ll find you won’t have any cover when you really need it. Go fully-comp: The world of insurance can be a strange place and choosing a comprehensive policy can actually work out cheaper than if you took out just third part cover. It’s because some insurers look at third party policies and associate them with higher-risk drivers looking for the cheapest cover possible. Get the correct mileage: Providing your insurer with your correct mileage can really help lower your cost – the less miles you do, the less your premium will be. Pay up-front: Obviously, not everyone can pay for their annual premium in one go, but if you can afford to, the cost of your cover will be cheaper. That’s because if you pay monthly, you’ll usually be charged interest on top of your premium. Add a 2nd driver: If you’re a high risk driver and you can add someone who is much lower-risk, you might be able to bring down the cost of your policy. Increase you excess: This is another balancing act – a higher excess will mean you have a lower premium, as they’ll have to pay less if you’re in an accident and repairs are needed. If you do this, make sure you go can afford to pay the excess if you are involved in accident, otherwise you might lose cover.

Around 59 per cent of drivers stay with the same insurer rather than look for a better deal, according to the study.

That means they’re missing out on savings with the price index revealing average policies have tumbled this year.

In the first three months, prices fell by £59 and over the past 12 months it’s down by £13. That’s the first drop for nearly three years.

Teen drivers are celebrating the biggest fall as they’re now paying £118 less than in April 2017 – but that still takes their average premium to almost £2,000.


The Time You Waste In Traffic Revealed – Equal To Watching 775 Game Of Thrones Episodes And Making 8,900 Cups Of Tea



BRITISH drivers spend hours each month stuck in traffic on roads around the country.

But how much time are you actually wasting by sitting in gridlock on the motorway?

Alamy The average Brit spends 31 hours each year in traffic

Go Compare have created a new tool that allows you to work out exactly how many hours you have spent staring at the back of another car throughout your driving career.

And for those of us that have been on the road for more than a decade, the results might shock you.

Based on the stat that the average Brit spends approximately 31 hours in traffic delays each year, the comparison website crunched the numbers for a 40-year-old motorist with a 23-year driving career.

They found that driver would have spent a whopping 713 hours stuck in congestion, at a cost of nearly £27,000 in wasted fuel and time.

Getty – Contributor Drivers could be spending their time do much more than just getting frustrated by gridlock

Using that same amount of time, the driver could have seen 474 games of football, made 8,913 cups of tea, or dithered away their time watching 178 coats of paint dry.

They could have completed 153 marathons, or even had a marathon TV binge and got through 775 episodes of Game of Thrones.

And even in their first year of driving alone, Brits waste so much time they could have seen 20 football matches, flown to Sydney and back one and half times, and completed almost seven marathons.

On top of the wasted time, traffic delays will cost new drivers just over £1,000 in their first 12 months on the road.

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Direct Line Reveals New Car Insurance Policy That Means You Won’t Lose Your No Claims Discount If Damage Isn’t Your Fault



FEW things are more frustrating for a driver than losing your no claims discount because someone else has damaged your car.

But a new insurance policy now means that drivers can still make an claim without losing their benefit – as long as the incident isn’t their fault.

Corbis – Getty Drivers can now make certain insurance claims without losing the NCD

Car insurance provider, Direct Line, recently announced changes to their standard comprehensive insurance policies that will allow drivers to make a claim and still keep their NCD.

From damage caused by potholes and wild animals to the car being stolen or flooded, drivers will be more covered to make a claim if the damage isn’t their fault.

Motorists can even make a claim to cover damage incurred while their car is parked, or as a result of being hit by an object or debris – but not including another car.

When making a claim, you will still need to pay any excess included in your policy, but you’ll keep your NCD and your next premium won’t be affected.

Incidents that won’t affect your No Claims Discount (NCD) with a Direct Line policy

Damage caused by potholes or poor road maintenance Fire and/or theft (both contents and the car itself) Hit whilst parked Flood Hit or hit by a wild or domestic animal Hit by object or debris (excluding vehicles)

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This Is The Top Reason Brits Fail Their Driving Test – And It’s Not Parking Errors



THE most common reasons for Brits to fail their driving test have been revealed – and they aren’t as obvious as you might think.

While Brits certainly aren’t known for their incredible parking skills, tricky manoeuvres weren’t the main reason drivers had to re-sit their test.

Getty – Contributor Failing to look properly at junctions is the most common reason for drivers to fail their test

A recent study, conducted by Warranty Direct, found that the most common reason new drivers would fail their practical test was because they did not properly observe the risks at a junction.

Junctions posed a number of issues during driving tests, with many motorists failing when trying to turn right at a crossroads.

Drivers were also highly likely to fail their test for not using their mirrors properly when making a turn.

While parking manoeuvres weren’t as common, reverse parking did come in third on the list, just above poor steering ability.

Top 5 most common reasons for failing your driving test

Observation at junctions Use of mirrors when changing direction Reverse park/left reverse Lack of control (steering) Turning right at junctions

Getty – Contributor The UK’s driver pass rate is improving

According to the study, 2017 had the highest driving test pass rate in the last 11 years.

The UK pass rate is currently at 47 per cent, having risen by four per cent since 2006.

The number of drivers to pass their practical with no faults has also spiked in the last year.

Just 3,329 drivers passed with a clean slate in 2006, compared to a massive 17,950 Brits last year – a rise of over 400 per cent.

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