Tag: driving

More than 123,000 potholes were reported to councils in Scotland last year as Britain’s pothole problem continues to burden drivers


The 53% increase in reports since 2020 has resulted in council’s paying out around £411,000 as a result

  • The worst roads revealed: the A703 from Peebles to Leadburn and Irvine Road in East Ayrshire are just some of the roads named by councils as having the most number of pothole reports overall. The most prolific being Great Western Road in Glasgow, with 1,451 reports by drivers in 2023.
  • Elsewhere, some of the worst regions also include Scotland and the South West of England. But the South East is the worst overall, with almost 200,000 pothole reports from drivers.
  • And drivers from all over the UK are seeing similar conditions. That’s as data shows how around 1 million pothole reports were made last year, with 4.4 million claims made as a result. But compensation payouts are down by 13% overall.
  • The most common damages caused by potholes include punctured tyres (57%), damaged suspension (35%) or damaged tracking (32%).
  • And repairs are costing drivers around £169, on average, to fix.
  • Not sure what to do if you hit a pothole? Drivers should always go directly to their local council first, but Louise Thomas, motor expert at Confused.com, shares further advice on what to do.

More than 123,000 potholes were reported to councils in Scotland last year as Britain’s pothole problem continues to be a burden to drivers. That’s as new data reveals how there’s been a 53% increase in reports since 2020, resulting council’s paying out around £411,000 as a result.

And it’s a similar picture elsewhere in the UK. The worst region overall is the South East of England, with almost 200,000 pothole reports made by drivers in 2023. The South West had more than 173,000 reports and Scotland had more than 123,000. So it might come as no surprise that around 1 million pothole reports were made in total by UK drivers last year. That’s an increase of 24% since 2020.

As a result, more than 4.4 million claims were also made by drivers for pothole damage last year. That’s a 6% rise in pothole claims in comparison to the 3 years prior. But despite claims going up, it appears that payouts aren’t following the same trend. Data reveals how councils paid out around £3.3 million last year for pothole damages. But in comparison, this is down from £3.8 million that was paid out in 2020.

Potholes are all too common on UK roads and affect millions of drivers each year. Further research of 2,000 UK drivers found almost all (92%) have driven over a pothole in the past. More than 1 in 5 (22%) damaged their car as a result. Tyres suffered the worst damage by potholes, with more than half (57%) of those reporting a punctured or flat tyre. More than a third (35%) said potholes damaged their suspension, and another third (32%) said their car tracking was impacted.

To repair these damages, drivers said they had to pay out £169, on average. But less than 1 in 5 (17%) tried to claim back repair costs from their local council. And with those drivers saying they found the process stressful (42%) or long-winded (30%), it could be why many chose to just fund the repairs themselves. And of those who made a claim to their local council, around a third (31%) were completely unsuccessful in getting compensation. But those who did managed to claim back around £214, on average for damages..

More than half (58%) of drivers think UK roads have never been worse for pothole damage. But the amount of potholes and the lack of compensation offered to drivers could be down to the tight budgets given to local councils.

Last year, the government recognised the influx of potholes creating dangerous scenarios for many UK drivers. And as a result, the government announced a £200 million pot of money for councils in England during the 2023 Spring Budget(2).

This was to specifically tackle pothole repairs and funding was allocated to councils by the Department for Transport (DfT). But some local councils received a bigger slice than others. This could be one of the main reasons why some drivers are more successful with claims than others. It could also be why some councils are able to repair potholes more frequently than others.

Money aside, councils were kept busy last year. That’s as data reveals how 1.2 million potholes were collectively fixed across the UK in 2023. The good news is that the amount of pothole repairs is up by 19% in comparison to 2020.

But the bad news is that a fairly equal amount is still being reported annually, so the burden on drivers is vast. And potholes can not only cause serious damage to cars, but injure drivers and risk the safety of many other road users. In fact, a third (33%) of drivers say potholes are one of their main safety concerns as a driver. And if potholes aren’t fixed by councils in a timely manner, they could continue to be a burden for many who use the roads.

And despite efforts by the government to tackle the problem, it seems that the majority of UK drivers want further change. That’s as almost half (48%) want the government to put more funding towards pothole repairs. And more than half (53%) think that it should be a legal requirement for councils to repair a pothole after it’s been reported.

Motor expert, Louise Thomas at Confused.com car insurance comments: “Although the harsh winter months are almost behind us, potholes are still proving problematic for drivers. That’s as pothole reports in the region reached more than 123,000 last year. And across the UK, data shows how reports totalled almost 1 million – a 24% increase compared to 2020.

“There’s no denying that the UK has a pothole problem, and the government has dedicated more funding as a result. But for some drivers this isn’t enough. Especially if they live in high risk areas, where wet and colder weather means problems are more likely to arise.

“If you see a pothole while driving, it’s important to report it to the local council straight away. Even if it didn’t damage your car, you could help to protect other drivers who might come into contact with it at a later date. Potholes can cause damage to vehicles, so the sooner it’s fixed, the safer road users will be.

“If your car is damaged due to a pothole, you should always try to reclaim the cost of damage through the council first. That’s because pothole repairs are their responsibility. When making a claim, make sure to take pictures or videos for evidence and be as detailed as you can.

“You should share information about where the pothole was, the time of day it happened and the damage it caused your car. And if the local council won’t compensate for damages, you could also make a claim through your car insurance. But be wary that this could result in a higher premium the following year, so always try the council first.”

Dazzling headlights: Government commits to independent research following RAC campaign

The RAC has today welcomed a commitment from the Government to commission an independent study into the issue of headlight glare, after research showed an overwhelming majority of drivers affected – as many as eight-in-10 – believe the problem is getting worse.

Responding to a petition set up by a member of the public following campaigning on the issue by the RAC, the College of Optometrists, Baroness Hayter and others, the Government said: “Recognising the need for further evidence [regarding headlight glare], we intend to commission independent research shortly.”

RAC road safety spokesperson Rod Dennis said: “The fact the Government has listened to drivers’ concerns and heeded our calls to examine the complex issue of headlight glare in more detail marks a real turning point.

“The topic has undoubtedly struck a chord with motorists up and down the country, with many people contacting us directly to call for something to be done.

“Brighter headlights, while giving drivers a better view of the road ahead, are clearly causing other road users significant problems. As many as nine-in-10 drivers tell us they believe at least some car headlights are too bright, while 14% of drivers aged 65+ say they have stopped driving altogether as a result of being dazzled.

“An independent study provides a golden opportunity for the Government and industry to get to the bottom of the problem, identify the factors involved and map out a way forward. We’re aware of regulatory changes being made at an international level that will hopefully make a difference in many years to come, but are concerned that these alone may not be enough to address headlight dazzle.

“There are also known shortcomings concerning the official road casualty data not accurately capturing the true number of incidents associated with headlight glare, so it’s absolutely right that the topic is investigated properly to understand what can be done to keep everyone safe.

“We look forward to working with the Department of Transport to help ensure the study is as robust as possible and drivers’ voices are heard.”

Baroness Hayter said: “This is a victory for all those drivers affected by glare who’ve complained to their MP, signed the parliamentary petition, or indeed sought help from an optometrist – only to discover the problem was with headlights, and not their eyes.

“ This is an issue the RAC has long campaigned on and I am delighted the Government has recognised there is a real problem. We look forward to discussing its research in due course.”

Hay fever suffering drivers at risk this bank holiday weekend

Drivers are at risk of an unlimited fine and driving ban for taking over-the-counter hay fever medication

Spring allergies have arrived weeks early in the UK, and the first pollen warning of 2024 has already been issued.

Hay fever is one of the most common allergies in the UK, with reports that 10 million people in England alone suffer from pollen allergies. 

Symptoms of hay fever, which include anything from itchy eyes and a runny nose to sneezing and headaches, are usually treated with antihistamines.

However, many motorists are unaware that a normal dose of the tablets can impair driving abilities, causing drowsiness, reduced reaction times, decreased coordination and judgement as well as blurred vision.

The laws surrounding drug driving mean taking over-the-counter medication to treat summer allergies could land drivers with serious charges. 

In the UK, the law doesn’t distinguish between drug driving caused by illicit drugs, over-the-counter or prescribed medication. 

This means that if hay fever medication affects driving ability, it could lead to drug driving convictions.

The penalties for drug driving are severe, even if the driver has innocently taken drowsy-prone hay fever medication.

If convicted, motorists could receive a one-year driving ban, unlimited fines, up to six months in prison and a criminal record. 

Additionally, for 11 years afterwards, drivers found guilty will have the conviction displayed on their licences. 

The NHS strongly advises those who take medications prone to drowsiness – such as chlorphenamine, cinnarizine, diphenhydramine, hydroxyzine or promethazine – avoid driving.

Greg Wilson, CEO and car insurance expert at Quotezone.co.uk said: “It may be hard to believe taking your hay fever tablets could land you a criminal conviction, which is why we wanted to issue an urgent warning to those who suffer with seasonal allergies.

“If you are one of the millions of Brits who suffer from hay fever, it is imperative you check the side effects of any medicines you are taking.  

“Blurred vision, slow reaction times and drowsiness behind the wheel can all cause serious issues on the roads, putting yourself and other road users in serious danger.

“Driving in an impaired state under the influence is a very serious matter, meaning the penalties for doing so can be life-changing.

“We’re urging drivers who suffer from summer allergies to check the details of their medication to avoid potentially serious charges.  Any medication that says do not operate heavy machinery includes the use of a car, so drivers need to be on the lookout for such warnings and read all instructions carefully.  If in doubt, ask the pharmacist and err on the side of caution.”

Five driving tips for hay fever sufferers

1.Keep your car as pollen-free as possible – clean your car regularly to get rid of dust that could trigger symptoms before setting out, changing the pollen filters in your car’s ventilation system when necessary and try to keep windows closed. 

2.Plan your journeys – check the Met Office Pollen warnings or download the weather app, which gives a 5-day forecast, for high pollen counts – if your symptoms are particularly bad try additional travel options or ask someone else to drive, don’t take the risk.

3.Check your medication – antihistamines and hay fever medications can differ in strength, check with your doctor if in any doubt about possible side effects and always read the label – the warning, ‘do not operate heavy machinery’ is commonly found and applies to cars, forklifts and any other heavy machinery.

4.Get stocked up – keep your car stocked with fresh tissues, hay fever medicine, a bottle of water, eye drops, anything used to ease the symptoms, should they strike unexpectedly.

5.Drive safely – be extra careful on the roads, giving lots of space to fellow road users and taking breaks if hay fever symptoms start to play up.  If you don’t feel well or the pollen count is too high, play it safe and don’t take non-urgent journeys.

Quotezone.co.uk helps millions of people in the UK find savings – CompareNI.com can help people living in Northern Ireland.

Magnificent Seven: Honours shared out evenly at UK Car of the Year Awards 2024

  •  Shortlist for UK Car of the Year 2024 announced – seven cars from 45 contenders
  •  Electric vehicles dominate with five category wins
  •  Fisker triumphant for the first time at UK Car of the Year Awards
  •  Overall winner to be announced on 8 March 2024

Electric vehicles have led the way after the first round of voting at the UK Car of the Year Awards 2024, with five of the seven winners powered by batteries.

No manufacturer picked up more than one accolade, with each of the seven awards being claimed by a different company.

For Fisker, it was a first UK Car of the Year Award, after its Ocean came out on top in the Medium Crossover class. Another all-new electric model claimed the Small Crossover prize when Volvo’s EX30 triumphed over the competition. The third of three crossover categories at the Awards went to Kia, whose EV9 was named the best Large Crossover.

Away from EVs there were UK Car of the Year Award wins in 2024 for more familiar models, with the Renault Clio voted the top Small Car, while the sought-after Performance Car category was given to the Honda Civic Type R.

Completing the set of winners were two companies who have previously won the overall UK Car of the Year Award. BMW – which won the inaugural title in 2014 and then triumphed again in 2015 – claimed the Executive Car category with the i5. Finally, Hyundai, whose IONIQ 5 was named UK Car of the Year 2022, claimed the Family Car prize for the IONIQ 6.

Celebrating 10 years in 2024, the UK Car of the Year Awards now has the biggest and best ever judging panel, comprising 30 motoring journalists based all over the UK. The group selected their winning cars in categories ranging from Small Car, to Medium Crossover, to Performance Car.

The top model in each of the segments has now qualified for the next stage – the category of UK Car of the Year 2024, which will be revealed on 8 March 2024.

The UK Car of the Year Awards is run in association with heycar, which has sponsored the awards since January 2022.

Karen Hilton, CEO at heycar, commented: “Another year with an excellent range of models, from a variety of manufacturers, winning at the UK Car of the Year Awards and getting the recognition they deserve.

“It’s especially great to see so many electric vehicles take the win! heycar is very pleased to be sponsoring the UK Car of the Year Awards for another year. Congratulations to all of the category winners!”

Full list of UK Car of the Year Awards 2024 category winners:

Small Car – Renault Clio
Family Car – Hyundai IONIQ 6
Small Crossover – Volvo EX30
Medium Crossover – Fisker Ocean
Large Crossover – Kia EV9
Executive Car – BMW i5
Performance Car – Honda Civic Type R

For more information about the UK Car of the Year Awards, go to ukcoty.co.uk or follow @ukcaroftheyear_ on Instagram or @UKCOTY on Twitter.

Car insurance costs squeezing British motorists

British motorists are being given top tips on how to save money on their car insurance policy after concerns premiums are on the rise.

In a year many goods have increased in price, car insurance premiums are no exception.

Insurance price comparison specialists Quotezone.co.uk are urging drivers to take steps to lower their premiums.

One of the most important money-saving tips is to do your homework, compare different providers, and never let a policy automatically renew. 

Drivers need to strike a good balance between cost and coverage, ensuring the policy has all the essentials they need at a competitive price.

Among the list of money saving hacks is shopping early, improving vehicle security, building up the no claims bonus and being mindful of where the car is kept overnight.

These simple tips can come in very handy for those looking to make cutbacks on their insurance expenses without making any major changes.

Quotezone.co.uk Founder and CEO Greg Wilson said: “It’s concerning to see car insurance prices on the rise.  The soaring cost of repairs, materials and even paint, has all had a knock-on effect on premium price.  The volume of claims is also increasing, partly due to the extreme weather we’ve witnessed recently.

“However, we can help, there are ways to save and using our comparison site is an ideal platform to compare products, to make sure you’re getting the cover you need, at a price you can afford.

“While aiming to secure cost-effective coverage, it’s crucial for drivers to ensure they’re not compromising on protection in case of accidents or unforeseen circumstances.  Often there’s very little difference in price between third party cover and fully comprehensive, so if you can, it’s best to safeguard your finances and go fully comprehensive.

“It’s also important to always give accurate information when getting a quote, as any incorrect information can invalidate your policy and leave you unprotected.”

Here are Quotezone.co.uk’s top 10 tips to help get a cheaper insurance premium:

  1. Shop early

It’s better to plan ahead and buy your policy early to lock in the price, as premium prices tend to increase the closer you get to your renewal date. The optimal time for bagging the cheapest deal is three weeks before the new policy is due to start.

  1. Pay annually

If possible, it’s best to pay the entire annual premium upfront to save hundreds in the long term. Insurance providers look at monthly instalments as loans and can have high interest rates.  Consider paying it all in one go to knock cash off your policy.

  1. Improve vehicle security

Most vehicles should have an alarm and immobiliser as standard but it’s worth installing anti-theft devices such as a tracker and dashcam – it will upgrade the vehicle’s security and could get you cheaper premiums. Get the policy quotes first to consider whether the extra cost of fitting the devices will be worth it for the insurance savings.

  1. Review your policy

Make sure to only pay for what you need and avoid driving up the premium by adding unnecessary add-ons – such as annual mileage, make sure your estimation is accurate.  Also check your vehicle use, if you use it to drive to the train station for your commute to work it still needs to be noted as used for your daily commute.  If you now work from home full-time, it might be worth switching the vehicle use to social only, it could result in big savings.

  1. Add another driver

If you add another driver to the policy then you may be eligible for a multi-driver discount, plus you can split the cost of the premium. It can be particularly beneficial if the other person is an experienced driver with a clean record as they pose less risk to the insurance company, which could lead to lower premiums.  Just make sure the person who uses the vehicle the most is noted as the main driver, incorrect use of this information is known as ‘fronting’ and is actually illegal, likely resulting in a criminal record and a void insurance policy.

  1. Park in a safe place

Car owners that make use of their garages, driveways or carports for overnight parking can make big savings on their car insurance – parking on driveways rather than on the road can save you over £140 on average every year. Carport owners can do even better, with savings coming in at £230 on average.

  1. Build up your no claims bonus

Avoid filing small claims to build up your no claims bonus. Opting to pay for minor damages out of your own pocket instead of filing a claim can prevent potential premium hikes.

  1. Opt for a telematics product or black box

Getting a telematics device or black box fitted allows drivers to showcase their safe driving which can lead to cheaper premiums. This is a good option for young drivers and those with previous motoring convictions who are charged more as they are seen to be more at risk. By using the device it’s giving the insurance company data on which to base its risk analysis.

  1. Avoid penalty points

Penalty points on your licence may not only result in a steep fine but will also bump up your insurance costs too. Drivers can expect premiums to rise by 5% for three points and 25% for six points if they’re starting from a clean licence.

  1. Compare everything

Don’t allow your policy to renew automatically or settle for the first insurance quote you receive. Take the time to do your research and compare rates from multiple sources to get the cheapest price on your premium. You can save time and utilise price comparison websites to help you compare providers, compare products and of course compare prices.

To compare up to 110 UK car insurance providers visit:

https://www.quotezone.co.uk/car-insurance.

EV Adopters urge those considering making the switch to to their homework

MotorEasy survey finds the cost and practicalities of charging remain a significant challenge for EV owners

New figures reveal that sales of used battery electric cars almost doubled last year, with a record 119,000 of the vehicles changing hands*.

However, despite increasing numbers of motorists making the switch, a new survey of MotorEasy members has revealed that continuing challenges with the cost of charging, access to public charging and the apps used to facilitate charging are damaging the ownership electric vehicle (EV) experience.

Over half of survey respondents expressed frustrations with battery range and one in four said energy costs for recharging are a worry. However, the biggest ownership hurdles for owners are access to public charging (73%) and the practicalities of using these chargers (71%), including the multitude of apps supposedly designed to ease charging (65%). The rapid and much-publicised depreciation of used EVs has also left 65% of owners worried about the loss of value in their EV.

“Although the number of EVs on UK roads is accelerating, our membership survey strongly confirms that the accessibility of EV charging still has a long way to go,” commented Duncan McClure Fisher, CEO of Intelligent Motoring, the parent company of MotorEasy.

“Almost three-quarters of the EV drivers we surveyed have experienced difficulties with accessing and using the infrastructure.

“As a result, EV owners advised those considering the switch to prioritise the installation of a home charger to save both time and money. Experienced owners also suggest new buyers research energy providers and take advantage of nighttime charging tariffs wherever possible, to make powering up even more cost-effective.”

Over 22% also said that service, maintenance and repair costs are putting a strain on finances, with 25% of drivers claiming to have faced challenges finding a qualified garage or technician to conduct service, maintenance or repair work.

Duncan McClure Fisher continued: “With high voltage systems and advanced technology onboard, technicians working on EVs need to have the right training, which can mean EV owners may not be able to use their usual garage.

“However, a little research should identify a qualified EV technician locally or check out the Institute of the Motor Industry’s Professional Register which lists TechSafe-accredited technicians.

“It is vital that owners have the assurance that their vehicle is suitably maintained by a qualified professional and safe to drive.”

EV adopters – two essential points of advice

  • Choose carefully – do your research on different makes and models, take a test drive, do not be swayed by an enthusiastic salesperson, and prioritise range by opting for the vehicle with the longest range you can afford.
  • Get a home charger – it’s a more cost and time-efficient way of charging. Consider your expected usage and charging requirements, and don’t leap into having an expensive fast charger installed – you may not need it if you can charge slowly overnight using a three-pin plug and relevant adapter and cable provided with the car.

*Society of Motor Manufacturers and Traders (SMMT)

Cost of car insurance in Scotland accelerates by £309 as drivers face record-breaking premiums


The average price of car insurance in Scotland is now £806, following a 62% increase in the past 12 months

  • Significant increases across the 4 main Scottish regions put prices at the highest on record, with some drivers paying £897 for their car insurance.
  • In particular, motorists in Central Scotland are seeing the steepest changes to their premiums, with year-on-year prices increasing the most of all UK regions (64% / £350).
  • It’s a similar picture across the rest of the UK, where drivers are now paying £995, on average. That’s a £366 (58%) increase compared to 12 months ago.
  • But further research(1) suggests that those opting to renew could be paying even more. Three in 4 (75%) UK drivers who received their renewal last quarter saw their price increase by £93, on average.
  • Why are car insurance prices so high? Louise Thomas, car insurance expert at Confused.com, explains why drivers are seeing such a significant shift in their costs.

New data has revealed that drivers in Scotland face record high car insurance costs, as the average price in Scotland reaches £806.

That’s following a £309 (62%) increase in prices in the past 12 months, according to the latest car insurance price index by Confused.com, powered by WTW. Based on more than 6 million quotes per quarter, it’s the most comprehensive car insurance price index for new business premiums in the UK.

Significant increases across the region means that some drivers are paying out as much as £897 for their car insurance. This is the case for those living in Central Scotland, where prices have accelerated at a staggering pace over the past 12 months. According to the data, prices in this Scottish region rose by 64%, equivalent to £350, in the past 12 months. This is the steepest increase seen across all UK regions when it comes to the percentage of their premium. This makes it the most expensive Scottish region for car insurance.

Those in East and North East Scotland have seen a similar change to their car insurance costs. Prices in this region increased by 61%, or £279, in the past 12 months. This puts the average cost of insurance here at £735.

Meanwhile, those in the Scottish Highlands and Islands, and Scottish Borders pay slightly less, despite premiums also increasing significantly in the past year. The average cost of car insurance in these regions is now £712 and £657, respectively.

On a more granular level, some drivers in Central Scotland have seen even bigger shifts in their prices, compared to the regional average.

Those in Glasgow and Edinburgh have seen the steepest changes in their premiums in the past 12 months, compared to the rest of the UK areas. The average price of insurance in Glasgow, for example, increased by 65% (£394) over the last year.

While a 65% increase in Edinburgh meant prices rose by £318, on average. This means drivers in these 2 Scottish areas can now expect to pay £998 and £806 for their car insurance, respectively, on average.

Prices in Central Scotland

RegionAverage £Annual £ changeAnnual % changeQuarterly £ changeQuarterly % change
Central Scotland£897£350
64%
£77
9%
East & North East£735£27961%£609%
Highlands & Islands£712£26459%£589%
Scottish Borders£657£23957%£559%

Significant annual increases in premiums can be seen across the rest of the UK. The average driver is now paying £995 for their car insurance, on average – the highest price on record in the UK.

According to the data, prices have increased by an average of £366 (58%) in the past 12 months. However, in the past 3 months, prices only increased by 8%, or £71, on average. While this is a significant change over a short time, it’s still considerably lower than the changes over the last 6 months. Between March and September last year, prices increased by 41%, or £267, on average. This worked out at increases of 18% and 19% for each 3 month period

However, as it stands, prices are still rising, and some drivers could be paying significantly more for their premiums if they choose to renew. That’s as further research suggests renewing customers are now even more likely to see significant annual price increases.

In a survey of 2,000 UK drivers(1), around 3 in 4 (75%) of those who renewed their policy in the last 3 months saw their premium increase. This is around 10% more than those who renewed at any other point last year, on average. And those who received a higher renewal price were quoted £98 more than the previous year, on average.

In comparison with Confused.com’s data, this is more expensive than the price they could be paying if they took out a new policy. Of these, 37% went on to shop around and took out a new policy with a different insurer, saving £96, on average. Meanwhile, only 7% received a cheaper renewal price, on average.

So while prices are up across the board, it’s clear from the data that those who choose to shop around rather than renewing their policy could be better off. And this could be a key consideration for some drivers, who are paying significantly more than the UK average.

Motorists aged between 17 and 20 have seen their premiums rise by more than £1,000, on average, compared to 12 months ago. For 17 year olds, this is a 98% increase year-on-year, equivalent to £1,423, on average. This brings the average price of a policy to £2,877.

Meanwhile, a £1,447 (84%) increase in prices for 18-year-olds means they’re paying more than £3,000 for the first time. Their premiums reached £3,162 on average. Hefty increases also means that drivers up to the age of 43 can expect to pay £1,000 or more for their car insurance, on average.

It’s a similar picture for different regions across the UK too, with some paying significantly more than others. In particular, prices in Northern Ireland have tipped over the £1,000 mark for the first time on record. This is after prices increased by £383 (57%) in the past 12 months. This brings the average premium in the region to £1,051. Meanwhile, a 64% (£350) increase in prices in Central Scotland means premiums have doubled in 2 years, with the average driver now paying £897.

However, London remains the most expensive region in the UK for car insurance. Drivers in Inner and Outer London pay £1,607 and £1,291 respectively, on average.

With prices increasing significantly, it’s a bleak time for drivers and their car insurance. That’s even if they’re able to save compared to the year before. But experts at Confused.com urge drivers to review their policies to see if there are other ways they can save. Especially as the cost of living crisis continues to impact many.

There are some tips drivers can try to keep costs down when it comes to renewal:

  • Use a price comparison site – When it comes to keeping costs down, the best thing you can do is compare prices. That way you can ensure you’re getting the best deal to suit your needs and not paying more than you need to. And it’s likely that you can make a saving.
  • Pay for your car insurance annually – If you can afford it, pay for your insurance in one go rather than monthly. That’s because insurance companies often charge interest for spreading the cost of your cover over the year.
  • Increase your voluntary excess – Increasing your voluntary excess can help you get cheaper car insurance. But you need to make sure you can afford to pay it, if you need to claim.
  • Be accurate with mileage – Generally, the more miles you drive, the more likely you are to have an accident and make a claim. This means the higher your mileage, the more you pay for your car insurance. So, driving fewer miles can be a great way to save money on your car insurance policy. But don’t assume that a low mileage always means low prices. If you barely drive at all, your insurance company could see that as a risk as well.
  • Enhance your car security – The harder it is to steal your car, the less of a risk it is. This usually means cheaper car insurance. There are several ways to improve your car security including:

= Installing a Thatcham-approved car alarm or immobiliser, if it doesn’t already have one

= Adding secondary levels of security like a steering lock

= Parking overnight in a secure, well-lit car park, or at home in a garage or driveway, if possible

For more advice on how to reduce costs, visit Confused.com’s guide on how to get cheaper car insurance.

But why are prices so high at the moment?

Inflation has played a key role in the rise of car insurance costs, due to the impact on the cost of repairs and claims. Since the end of the pandemic, the number of cars on the road has increased to a normal, if not inflated level. This means the risk of accidents and claims is a lot higher than before.

And the amount insurers are having to pay for these claims has increased too, as parts and labour costs are all impacted by inflation. Similarly, cars are holding their value for longer, or are generally equipped with more technology or expensive equipment. This means the cost to replace a car is more than before too.

So while inflation remains high, insurers are paying more to cover the cost of claims. This is reflected in the prices they’re offering drivers for their car insurance.

While it seems from Confused.com’s data that there’s some respite from steep increases, the car insurance market remains incredibly volatile. This is why it’s so important that drivers are shopping around and comparing policies. By doing this, they can make sure they’re getting the best price, as prices are probably going to be high for some time.

Louise Thomas, motoring expert at Confused.com car insurance comments, “Like a lot of our expenses, car insurance is getting more costly. And this is to be the case for some time.

“Claiming is one of the biggest factors when it comes to insurers pricing up policies. And with the cost of paying out for claims being considerably high, insurance prices are going to be too.

“While it looks like increases could be slowing down for now, we still need to be doing what we can to keep these costs as low as possible. Things like increasing security, reviewing how many miles you drive or adjusting your excess could bring your overall cost down. But it’s important to remember that the information you’re providing should be accurate otherwise you risk invalidating your policy if you need to make a claim.

“Ultimately, shopping around is the only way to know you’re paying the cheapest price available to you. With prices so high, it’s a very competitive market. So if you look around, there’s likely to be an insurer out there willing to offer a cheaper price.

“We’re so certain that we offer a guarantee to beat your renewal, or pay you the difference, plus £20(2). In this scenario, you not only get the best price, but you also get more cash. So there’s nothing to lose and lots to be gained.”

How young drivers can save in 2024

2023 was particularly harsh on young drivers, with premiums soaring by over 50% as the cost-of-living pressures took effect.

The sky-high cost of learning to drive combined with these higher insurance premiums and new emissions costs for older cars, are all making it a struggle for young drivers to get on the roads.

Free Man Inside Vehicle Stock Photo

Data shows the average car insurance premium for young 18-year-old drivers increased to £1207 in 2023. 

The experts at Quotezone.co.uk  have revealed ten savings hacks to help young drivers give their finances a fresh start for the new year.

One of the most important things for young drivers is to be safe and avoid penalty points, a fifth of convicted drivers in the UK have been driving for a year or less – according to a sample of over 15,000 convicted drivers, analysed by Quotezone.co.uk. 

Penalty points on a licence may not only result in a steep fine but will also bump up the insurance costs. Drivers can expect premiums to rise by 5% for three points and 25% for six points if they’re starting from a clean licence.

Young drivers or those with penalty points may be able to get cheaper insurance by opting for a telematics policy, or black box insurance.

Black box insurance starts collecting data on their driving immediately, if they’re a safe driver, this can help the insurer see them as less of a risk and may result in a more competitive price.  Although, like all premiums this year, prices are on the rise, in 2023 telematics was still able to save young drivers an average of £75 annually. 

Age group 18-24NO telematicsYES telematics
2021£1199£938
2022£1047£1050
2023£1230£1155

Quotezone.co.uk CEO Greg Wilson said:  “Young drivers had a tough 2023 with delays to driving tests and backlogs for lessons plus the rising cost of everything associated with motoring – insurance, repairs, fuel – we’re hoping 2024 is a much better and cheaper year for those new to the road.

“There are lots of things young drivers can do to help bring the cost of driving down, from knowing how to avoid even the most unusual fines and penalty points to installing a black box and keeping modifications and mileage to a minimum. 

“We’re researched the top 10 ways we think will help young drivers save in 2024 along with the essentials such as shopping around and comparing product details, annual payments if possible and reviewing when exactly is the best time to buy, normally three weeks before the policy is due for renewal is the most competitive.

“Passing your test and taking to the road for the first time is a rite of passage and it would be worrying if new drivers started to struggle to make driving a reality due to cost, hopefully our money saving tips go some way to making a more affordable 2024.”

Quotezone.co.uk’s Top ten hacks that could help young drivers save:

1.         Do check your mileage

When taking out insurance, you will be asked to estimate your annual mileage. The costs will rise in incremental bands so the more miles you drive, the more you pay so try to be accurate and realistic with your prediction.

2.         Do park in a safe place

Car owners that make use of their garages, driveways or carports for overnight parking could make big savings on their car insurance – parking on driveways rather than on the road can save you over £140 on average every year and carports could save you even more, with £230 savings on average.

3.         Do consider switching to a smaller engine

Be sure to check your vehicle’s engine size and horsepower, both can impact the cost of your premium. Also, some small engines are turbocharged and that can give them more power than might be expected, which will likely cause the premium to increase.

4.         Do keep modifications to a minimum

It comes as no surprise that adding a custom exhaust or putting in lowered suspension might cause insurance premiums to rise, but even seemingly innocuous changes such as adding branding to a vehicle can affect the cost.

5.         Do consider a black box

A telematics policy, or black box insurance – starts collecting driving data immediately, this can help the insurer with their risk analysis, safer driving increases the chances of a competitive price for young drivers.

6.         Don’t over pack the vehicle

Packing items above the seat line will impair vision, while heavy loads are likely to affect a car’s handling and stopping distances.  Overloading a car past its capacity is a punishable offence, with a fine of up to £300 and 3 points. Driving without full visibility out all windows is also punishable and could result in a £50 fixed penalty.

7.         Don’t forget your sunglasses

Sunglasses are labelled with a ranking from zero to four in order to determine their strength and the time of day they can be worn. The average pair of sunglasses is categorised as a number two – these are recommended for daytime driving.  Driving with inappropriate eyewear could be detrimental to other road users, leaving drivers unable to detect dangers.  Motorists could be hit with a £100 on-the-spot fine and up to three penalty points for driving without due care or attention. 

8.         Don’t use the wrong fuel

Misfuelling is one of the most expensive mistakes motorists make. Pumping diesel fuel into a petrol car can lead to engine failure, leaving motorists to pick up the maintenance costs.   Rule 97 of the Highway Code states before drivers set off, they should ensure they have ‘sufficient fuel or charge for your journey, especially if it includes motorway driving’.  Careless or dangerous driving caused by low fuel will see motorists face fines of up to £100 and three points on their license. 

9.         Don’t leave the car switched on while waiting for friends

‘Idling’ or leaving the engine running unnecessarily while stationary on a public road goes against Section 42 of the Road Traffic Act.  Drivers risk a £20 penalty notice that will double if not paid in full within 28 days.  According to research conducted by Quotezone.co.uk, almost 11% of drivers fail to turn off their engines while waiting.** 

10.       Don’t splash pedestrians

Splashing pedestrians is actually illegal under section three of the Road Traffic Act, 1988 – and is considered to be driving ‘without reasonable consideration for other persons using the road’ – resulting in a fine of £100 and three penalty points on the licence, in some cases, fines can reach as much as £5,000 for driving without reasonable consideration for others on the road.

Quotezone.co.uk can help if you’re looking for learner drivers or  young drivers insurance.  If you live in Northern Ireland, CompareNI.com can help.  

RAC calls for government action on headlight glare

Eight-in-10 drivers affected say problem is getting worse

A glaring problem: RAC calls for government action on headlight glare as eight-in-10 drivers affected say the problem is getting worse …

The RAC is calling on the Government to commission an independent study into the issue of headlight glare after new research found 85% of those affected believe the problem is getting worse.*

An RAC survey of 2,000 drivers found a huge nine-in-10 (89%) think at least some headlights on cars on the road today are too bright, of which three-in-10 (28%) – a higher proportion than ever – think most are. Of the all these drivers who complain about the brightness of car headlights, some 91% say they get dazzled when driving with three-quarters (74%) saying this happens regularly.

When it comes to the effects of glare on drivers, two-in-three (67%) who suffer say they have to slow down considerably until they can see clearly again, while a similar proportion (64%) believe some headlights are so bright they risk causing accidents. In fact, five per cent of these drivers state they have nearly been involved in a collision themselves.

Alarmingly, nearly one-in-10 (7%) say they find headlight glare so bad that they avoid driving at night altogether, a figure that rises to 14% for drivers aged 65 and over.

While the RAC has been surveying drivers on dazzling headlights since 2018, these new findings show more drivers than ever appear to be suffering from them, with 85% of those affected stating they believe the problem is getting worse.

As part of its study, the RAC asked drivers to estimate how long it takes them to see clearly again after getting dazzled by other drivers’ lights. While 68% say it takes between one and five seconds, one-in-10 (11%) say it takes six or more – which, staggeringly, is enough for a driver travelling at 60mph to cover 160 metres, the equivalent of 40 car lengths.

The reasons drivers perceive headlight glare to be such an issue are less clear, although an overwhelming 87% of dazzled drivers think it is mainly due to the fact some lights just appear much brighter.

This could be as a result of the increasing prevalence of cars fitted with LED headlights, leading to a much more intense and focused beam that the human eye reacts differently to, compared to a conventional ‘yellower’ halogen bulb. While LED headlights are great for improving a driver’s view of the road ahead, this can be to the detriment of other road users who encounter them.

However, more than four-in-10 (44%) think the dazzling is caused by badly aligned headlights. A Freedom of Information request submitted to the Driver and Vehicle Standards Agency (DVSA) in November 2023 shows that since 2019, an average of 1.6m, or 5%, of Class 4 vehicles – which includes passenger cars – failed their MOTs as a result of poor headlight aim.**

What’s more, with the DVSA stating in 2016 that ‘headlamp aim consistently tops the MOT compliance survey as one of the most likely items to be assessed incorrectly by testers’, the actual figure could be much higher.***

The increasing popularity of cars that sit higher on the road, especially SUVs, may also be a factor with those in conventional cars such as hatchbacks, saloons or estates suffering the most. Six-in-10 drivers (62%) of conventional cars blame the dazzling on higher vehicles, whereas only 35% of those in higher vehicles point the finger similarly sized vehicles.

But whatever the cause or causes of headlight glare, it is clear how strongly drivers feel about the issue with 81% saying more should be done to tackle it – a figure that rises to 87% among drivers aged 45 to 54.

Government collision statistics shows that since 2013, there has been an average of 280 collisions a year where dazzling headlights were a contributory factor. Of these, six a year involved someone losing their life. The actual number may be higher if an investigation was unable to determine whether or not a collision was directly or indirectly caused by the glare from another vehicle’s headlights.

As a result of the sentiment among drivers, the RAC has raised the issue of headlight glare with the Department for Transport and has been working with a member of the House of Lords, Baroness Hayter, to make drivers’ concerns known among Government officials.

The RAC provided details of its research to go into a report published last week and will be meeting with the Government this month to discuss it.

RAC spokesman Rod Dennis said: “Our figures suggest drivers are more concerned than ever about headlight glare, with a huge proportion wanting to see something done about it.

“We urgently need the Government to take a closer look at the issue, ideally by commissioning an independent study to understand what’s causing an increase in reports of dazzling and, most importantly, what can do be done to keep drivers safe.

“With spring still a long way off, there’s a good chance many people will do most of their driving in darkness over the next few months and, according to our research, that means an awful lot of drivers will experience the discomfort and even danger that comes from being dazzled by headlights.

“On the one hand, brighter headlights can be a good thing as they give drivers a clearer and safer view of the road view of the road, but that appears to come at a cost for those on the receiving end of excessively bright lights.

“The numbers of reported road casualties where headlight glare was listed as a contributing factor might be small when compared to something like speeding, but that only tells part of the story. Is it right we have such a high proportion of drivers who feel unsafe when they’re driving at night, with some having even given up night-time trips altogether?”

Mike Bowen, Director of Knowledge and Research at the College of Optometrists, said: “The results from this research by the RAC are helpful to inform our understanding of how changes in vehicle headlight technologies may be affecting both the functional vision of young and older drivers, and their visual comfort, when driving at night.

“Older drivers are likely to be disproportionately affected by headlight glare, so may be more likely to experience difficulties or to decide not to drive at night at all.

“We urge the Government to commission more technical and clinical research to have a better understanding of this issue and what should be done to ease the effects of dazzling headlights.”

Baroness Hayter said: “The RAC has demonstrated that some car headlights can dazzle, causing a danger for oncoming drivers. We know drivers in other countries share this concern.

“So, government should take action now to be on the side of road safety and ensure everyone keeps to the Highway Code, which states drivers ‘must not use any lights in a way which would dazzle other road users’.”

IAM RoadSmart Director of Policy and Standards Nicholas Lyes said: “Drivers are increasingly telling us they are concerned by modern headlights and some are now even limiting the amount of time they spend driving during darkness to avoid glare.

“Being dazzled by a headlight has a worrying impact on road safety and we need policymakers to take this matter seriously.”

Dealing with glare – what to do if you find you’re getting dazzled

  • Always use your rear-view mirror properly at night. Some newer cars have self-dimming rear-view mirrors that can reduce dazzle from vehicles behind – if you’re changing your car soon, look for one that has such a mirror fitted. But most drivers still need to manually adjust their mirrors in the dark to reduce glare. About half the drivers surveyed by the RAC who reported getting dazzled said they do so at night (54%).
  • Speak to your optometrist. Just 6% of drivers told the RAC they’d talked to their optician about glare. For those who wear glasses, a glare-minimising coating can help – something a quarter (25%) of affected drivers said they are benefitting from.

New campaign encourages drivers over 60 to get their eyes examined

The Scottish Government and Road Safety Scotland have launched a new campaign encouraging older drivers to consider their driving habits and have a free regular NHS eye examination so they can continue driving safely. 

With recent stats showing 29 per cent of car driver casualties killed or seriously injured in road collisions were over 601, the Fitness to Drive campaign highlights that eyesight can affect the way we drive as we get older and calls for anyone over 60 to have their eyes examined regularly, or as soon as they notice a change. 

It’s common for drivers to adapt their driving behaviour as they get older, for example, by not driving at night or on busier roads to avoid the glare from oncoming traffic, or by driving shorter distances. These adaptations often happen gradually and can be a sign of deteriorating vision.

Janet Pooley, Chief Optometric Adviser, said: “As we get older, we can experience changes to our eyesight, including blurred vision, a reduced visual field and less accuracy when it comes to judging distances, which impact our ability to drive safely.

“The best way to make sure your eyes are healthy is to have them examined regularly and to visit your local optometrist if you notice any problems with your eyesight.

“As well as detecting changes in your eyesight, an NHS eye examination can pick up age-related eye conditions like cataracts and glaucoma, and it can identify and help prevent other health conditions like blood issues and diabetes, which can also affect driving.”

The campaign reminds drivers that changes in your eyesight don’t have to mean giving up driving and that your local optometrist can often correct your vision with new glasses.

Janet Pooley, Chief Optometric Adviser, continued: “In some cases your optometrist might advise that you require surgery to improve your vision if you have a condition like cataracts.  Outstanding surgical results often enable people to continue to drive safely for many years.” 

In addition to eyesight, other age-related factors can also affect our fitness to drive, such as high blood pressure, medication, and slower reaction times.

Drivers are encouraged to plan ahead for when they do choose to give up driving and consider alternatives for getting around without a car, including public transport and getting help from family members and friends.

Minister for Transport Fiona Hyslop said: “Changes in our eyesight is something we’re all affected by as we get older, and with Scotland’s population continuing to age, it’s particularly important to ensure we all stay safe on the road.

“We’re encouraging everyone in this age group to get their eyes checked regularly to make sure they are fit to drive.”

Age Scotland’s Big Survey 20232 shows driving is the most common way to get around among over 60s, with 72% of respondents saying this is the mode of transportation they use most.

Katherine Crawford, CEO of Age Scotland, said: “We know driving is hugely important to older people and plays a big part in their ability to stay active, mobile and independent.

“This campaign is a good reminder for older drivers to get their eyes examined regularly or, if they notice a change in their eyesight, to make sure they have the best vision for driving safely.”

Betty Gilchrist said: “I’m not as confident at driving as I once was, particularly at junctions where I take a bit more time now.

“Driving in the dark has also become more challenging. The glare from headlights can be dazzling, so I’m reluctant to drive in the evenings and I stick to short journeys on local roads.

“It’s important to have regular eye exams as we get older and our vision changes. Many of us also develop conditions like cataracts which can be picked up at an eye exam and treated to keep us driving for longer.”

Derek MacPherson said: “As I’ve aged, I’ve become more aware of my eyesight changing and how that affects my driving. I’m now less likely to drive long journeys or drive at night, when the glare from other cars and streetlights can make it harder to see.

“Getting my eyes checked by the optometrist is quick and easy, and knowing my eyesight is up to scratch helps me stay confident on the road so I can keep enjoying the freedom of driving.”

The campaign will also address family and friends who may be initiating discussions about driving with their loved ones, which can be a sensitive subject. 

For more information about the campaign or how to book a free NHS eye examination, go to roadsafety.scot.

Follow Road Safety Scotland Facebook and X (formerly known as Twitter) (@roadsafetyscot) pages for more details.