Drivers are being warned about the worsening condition of roads across the UK as recent data reveals that 90% of insurance claims come from potholes.
Experts from leading price comparison website Quotezone.co.uk are calling on the government and local councils to not let the pothole problem get even worse.
With a long winter of bad weather ahead motorists will run an increased risk of damaging vehicles by driving over potholes if UK roads are not properly maintained.
Spending on road maintenance has almost halved since the financial crisis just over a decade ago, and the recent cost-of-living crisis has further reduced potholes on the priority list.
Even temporary pothole fixtures – which involves filling the hole with a form of asphalt treatment – have also decreased by almost half in some counties.
There are also claims from members of the public that councils are not properly inspecting potholes that have been reported online.
Several county councils have admitted that filling in potholes is no longer a priority as a result of the rising cost of living, with less funding for UK highways.
And with an expected bad weather spell to last well into the New Year with rising levels of snow, ice and rain – it will no doubt make potholes even worse.
With a combination of bad weather and lack of funding, the UK is likely sitting on a disaster waiting to happen and the pothole problem may soon get out of hand.
With nine in 10 insurance claims coming from pothole incidents, Quotezone.co.uk are calling for councils and the government to urgently act on what is a UK-wide problem.
Data shows that the worst pothole affected area in the UK by far is Northumberland, with over 180,000 potholes reported over four years, followed by Cornwall and Kirklees in West Yorkshire.
Newcastle, Liverpool and Suffolk also have some of the worst potholed roads in the UK as well as Fife and Glasgow in Scotland, and Newry, Mourne & Down joined by Armagh City, Banbridge & Craigavon in Northern Ireland.
Greg Wilson, Founder and CEO of Quotezone.co.uk said: “We all know how bad it can be to drive down roads which are full of potholes, and unfortunately the problem does not seem to be going away.
“With a massive 90% of insurance claims coming from pothole related incidents, most of us have had damage caused by a pothole, or know someone that has.
“We are expecting a winter of extreme weather and with spending on road maintenance on the decline, we could expect to see a significant increase in pothole related claims.
“This will make UK roads more dangerous for all road users, so we’d encourage local authorities and the government to act now ahead of the worsening weather and make a start on fixing the UK’s pothole problem.”
Weather projected to include rain, sleet, snow and fog
‘Troll from Trondheim’ may lead to difficult driving conditions
2021 saw 13 people killed, 356 seriously injured and 1,781 slightly injured due to winter weather
The Royal Society for the Prevention of Accidents is issuing road safety advice ahead of the potential hazardous weather conditions forecasted for the coming days. With echoes of the Beast from the East, the ‘Troll from Trondheim’ may lead to difficult driving conditions.
In 2021, there were 13 people were killed, 356 seriously injured and 1,781 slightly injured in reported road accidents on Great Britain’s roads when there was snow or frost/ice on the road surface.
Becky Guy, Road Safety Manager, England at RoSPA, said: “The most important thing to remember about driving and riding safely in wintry weather is to be prepared. Make sure your vehicle is in good working condition and add enough time for a journey so you are less likely to rush to make up for any delays.
“In extreme conditions, only make a journey if it is absolutely necessary. Don’t drive or ride as normal on snow or ice, but reduce your speed to avoid the chance of skidding. Remember to increase stopping distances massively as you may need up to ten times the normal distance when braking on icy roads.
“Speed limits are the maximum for ideal conditions, so in difficult conditions, they are often too fast, especially on bends and corners.”
RoSPA’s tips for driving in extreme weather conditions can be found at its online Winter Safety Hub and include:
Check your lights are clean and working, and you may want to carry a blanket, a pair of boots, a shovel, a high-visibility jacket and a mobile phone (although don’t use it when you’re driving) in case you get stuck in the snow
If you’re on two wheels, ensure that you are wearing the appropriate winter riding gear
Clear your windows, visor and mirrors completely of snow and ice before you set off (make sure the heater is blowing warm air before setting off – it will keep your windscreen clear)
Keep the windscreen and windows clean and the washer bottle filled with screen wash to the correct concentration (which may be a stronger concentration during below-freezing temperatures)
Items to carry in the car include de-icing equipment (keep some in the house or garage too), a first aid kit (in good order) and a working torch
Avoid harsh braking and acceleration, or sharp steering, particularly on a bend as this could cause your vehicle to spin or skid. To brake on ice and snow without locking your wheels, get into a low gear earlier than normal, allow your speed to fall and use your brakes gently
If you’re riding a motorcycle, increase the distance to the vehicle in front, check your lights (including brake lights) regularly and use more engine braking and rear brake in wet or slippery conditions
Visibility will probably be reduced, so use dipped headlights.
Brits are being urged to prepare for their Christmas drive home, with experts advising how motorists can travel safely this December.
Road safety experts at Road Angel have offered six tips for those driving home this Christmas to help them travel safely and keep their cars prepared for winter conditions.
Winter driving requires extra care and caution at all times because of potentially adverse conditions so it’s important to get vehicles ready for the cold and plan out a route home in advance.
Although it may ruin Christmas day plans, the Highway Code instructs motorists to stay safe and only drive in icy or snowy conditions if the journey is essential.
For those travelling in adverse conditions, it’s a good idea to check the weather forecast beforehand and pack an emergency breakdown kit just in case.
Gary Digva, founder of Road Angel said: “Christmas is a time when lots of us are making long car journeys to get back and see our loved ones yet the roads at this time of year can be treacherous.
“We want to make sure everyone gets to enjoy a safe and happy Christmas celebration and there are several things drivers can do before setting off to make sure their journey goes as smoothly as possible.
“Planning a route out in advance and travelling early on a Saturday morning will help you get home for Christmas as soon as possible. It’s also a good idea to keep an eye on the weather forecast and prepare an emergency breakdown kit, just in case.
“No one wants to break down at the best of times, never mind on Christmas Day – that’s why it’s important to prepare your car for the cold and drive safely with care and caution at all times – you’ll be sure to home for a wonderful Christmas time spent with loved ones.”
Driving home for Christmas – Road Angel’s winter car tips for motorists:
Plan route in advance
One of the most important things you can do before travelling in winter is to plan the route home in advance. Although drivers may think they know where they’re going, it’s always best to double check directions to avoid driving around unknown roads in the dark and harsh weather. It’s also a good idea to plan route alternatives in case the original is not accessible because of the harsh weather.
Try to avoid traffic
Remember that lots of other households will be driving home for Christmas, so it’s best to leave plenty of time in advance to avoid getting stuck in traffic and delays to Christmas parties and gatherings. If possible avoid travelling at rush-hour to steer away from the commuter traffic – the best time of the week to drive is early morning or evening on a Saturday.
Get the car ready for the cold
Get the car ready for the cold weather of winter by checking the vehicle over before making long distances when visiting loved ones this Christmas. Check the tyre pressure, heating and oil, as well as making sure that the car battery doesn’t stall by turning on the car before setting off, and most importantly, ensure that all the bulbs on the car are working fully.
Check the weather forecast
The weather has a massive impact on how motorists should drive over wintertime. Check the forecast before setting off to avoid driving in any adverse conditions – and be prepared to cancel or amend plans if the weather is too dangerous to drive in. The Highway Code says drivers should not travel in snowy and icy conditions unless the journey is essential, and before setting off drivers MUST be able to see. Clear all snow and ice from all of the windows and keep them demisted, ensure mirrors are clear, the number plate is visible and lights are fully functioning.
Pack an emergency breakdown kit
Breaking down in the winter can be very dangerous, because of the extreme weather and darkness. It’s a good idea to pack an emergency breakdown kit in the car just in case any accidents happen. Pack a foil blanket, spare clothes and shoes to keep warm. Food, water and a phone charger are also good essentials to pack. A torch, jump leads, shovel and de-icer are again good emergency breakdown kit ideas for winter.
Driving safely
There are also several driving tips motorists can follow to get back home safely for Christmas. The Highway Code recommends to avoid overtaking and keep further back from the car ahead as stopping distances can be up to 10 times longer in adverse conditions. When it’s icy on the roads drivers should use a high gear and slow speed, accelerating and braking gently and drive especially slow around bends when it’s much more likely to lose control of the car. Other tips include driving with care and caution at all times, and keeping updated on the latest travel and weather news.
The Christmas driving tips are just one of several road safety initiatives the team at Road Angel are currently working on.
If you are travelling to the Royal Infirmary of Edinburgh or Royal Hospital of Children and Young People for an appointment, please be aware of road works which are due to commence Monday 17 October 2022, for 24 Weeks as this will affect your travel time to your appointment.
The road works will result in 2-way Temporary Lights on Old Dalkeith Road near Little France Campus. The lights will move as work progresses from the campus up towards Shawfair Park and Ride/Train station. This will take a break for 2 weeks from Friday 23 December 2022 until Friday 6 January 2023.
We have been informed that this will result in a minimum of 20 minutes delay up to 50 minutes at peak times.
It has been suggested that people travelling to these sites should instead travel via Gilmerton Road, Edinburgh which runs parallel to Dalkeith Road, to access the Campus, as this may limit time impact.
School children in the South East of Scotland have unleashed their artistic side through a competition to inspire drivers to stop littering along the roadside.
BEAR Scotland, which manages the trunk roads in the South East on behalf of Transport Scotland, organised the ‘Trunk not Junk’ schools litter competition to coincide with this year’s ‘Keep Scotland Beautiful’ Spring Clean campaign. Over 650 primary schools were invited to submit a poster, slogan, song or rap encouraging people not to litter on Scotland’s trunk roads.
The road maintenance company revealed a surprise twist by announcing two winners of its competition, which aimed to get schoolchildren to think about the issues that litter can cause.
Indira Williams aged 11, a P6 pupil at Roslin Primary School, became one of the winners after impressing BEAR Scotland with her ‘What a sin, not to bin’ poster, which highlights the effect that littering can have on local wildlife and the environment.
Colin Burt, P6 teacher at Roslin Primary School, said: “We were delighted to be invited by our school Eco Committee to participate in the Trunk Not Junk schools litter competition.
“Our Roslin learners are passionate about environmental issues, so they were keen to be involved in raising awareness around this important subject.
“We are so proud of Indira’s winning entry and look forward to seeing it being used soon as part of the campaign.”
Primary 6 pupils at Colinton Primary School went further, writing and recording a rap titled ‘Litter is a no, no, no’ .
The rap includes lines such as ‘see it at the roadside that’s a no, no, no – stop throwing rubbish out of your window’, to make it clear that littering is socially unacceptable and to emphasise issues that can arise from dropping litter, including how long it can take to disintegrate.
The rap also gives helpful tips to keep the environment clean including using a reusable bag.
Rachel Billes, P6 teacher at Colinton Primary School, said: “We had so much fun participating in this project and the children really enjoyed unleashing their creativity to help raise awareness of this important issue.
“It’s essential that we teach children about looking after the environment from a young age so that they understand the impact they can make.”
In 2021, BEAR Scotland collected over 5,000 large black bags of litter and 2,200 large objects on the roadsides in the South-East which it is responsible for litter-picking on. If laid out in a line this would stretch to over 3.6km or over two miles of litter.
BEAR Scotland litter picks the motorways and dual carriageways on the SE trunk road network on a rotating basis weekly with hot spot areas treated twice monthly or as and when required. All other roads are the responsibility of the relevant local authority.
Iain Murray, Managing Director at BEAR Scotland, said: “Every entry that we received sparked joy in the team – we loved to see the children’s creativity as they helped us get this message across. It was so hard to choose just one winner!
“It’s of paramount importance that we teach children about the negative impact of dropping litter. They’re also powerful in encouraging others to dispose of rubbish properly.
“Dropping litter at the roadside is sadly still a huge issue up and down the country but we’re confident that the efforts of the school children at winning schools, Colinton and Roslin Primary Schools, will help to inspire drivers to take their rubbish home.”
Both winning entries will appear on BEAR Scotland’s social media channels, and the winners will receive certificates as well as £75 worth of amazon vouchers for their classroom.
Science-based technology company 3M urges local authorities to address concerns felt by drivers, cyclists and pedestrians
Roads, transport and parking should be the number one agenda item for local authorities in 2022, according to almost half of residents living in Scotland (47%).
The new research from science-based technology company, 3M reveals that within the region, this is the area most in need of attention alongside housing (47%) and followed by jobs, business and investment (41%), and education (35%).
After more time spent working, travelling and exercising close to home in the past two years, 80% of people in Britain believe the pandemic has highlighted the need for vehicles, bicycles and pedestrians to be able to co-exist. However, there are specific factors preventing these groups from doing so in harmony.
Accessibility for cyclists in Scotland
It is estimated that one in five Brits now cycle in a typical week. However, in Scotland nearly a quarter of those who already cycle (23%) say that despite having access to cycle lanes where they live, they still wouldn’t feel safe enough to travel on a bike during peak times.
74% of this group don’t believe the right infrastructure is in place to allow them to ride safely and 62% say that their local authorities could do more to make the area more accessible to cyclists.
Drivers vs cyclists – the perception gap
The research has brought prevalent safety concerns and the contrasting opinions of road users to the fore, particularly when it comes to motorists and cyclists. Seven in 10 (70%) cyclists worry that drivers don’t know the correct etiquette when using roads with cycle lanes in their area.
Meanwhile, only 53% of drivers confidently say that they know the latest Highway Code rules in relation to cyclists, which at the time of the study had not been updated since 2015.
Outside of lane usage, overtaking is a bone of contention for motorists and cyclists alike; 93% of drivers say they leave as much room when overtaking a cyclist as they would a car whereas 73% of cyclists say drivers pass too closely.
In Scotland, one thing both parties do agree on is there not being clear enough road markings on cycle lanes for all road users – only 27% of motorists and 25% of cyclists feel there are clear visible markings in their area.
The lack of visual guidance could be part of the problem when it comes to navigating shared road spaces, easily improved by solutions such as better signage that incorporates retroreflective technology, while also improving education on the Highway Code.
Andy Fish, Technical Specialist for 3M Transportation Safety Division, said:“Its fantastic that investment in new cycle lanes, walkways and other infrastructure is being put to good use.
“This research shows that irrespective of mode of transport, the majority of people want to be able to share spaces with others safely, and they are looking to their local authorities for support.
“At 3M we are actively encouraging local councils and highway authorities in Scotland to participate in a pilot scheme that would allow their communities to benefit from traffic safety solutions designed to address some of the concerns expressed by drivers, cyclists and pedestrians.”
Drivers’ admitted lack of understanding of the Highway Code could be to blame for some of the frustrations they have towards cyclists – 86% say seeing two or more ride side-by-side is frustrating and 72% say they become frustrated simply by driving behind one.
This is in spite of it being legal for two cyclists to ride next to each other unless on narrow or busy roads or cycling round bends, along with recent rule changes including cyclists riding alone being instructed to use the centre of the lane in slower moving traffic.
To find out more about 3M’s leading road marking and signage solutions, such as 3M Diamond Grade DG3 reflective sheeting. and 3M Stamark road marking tape, visit www.3m.co.uk.
On Monday (7th February), work starts on a major new cycling and walking route linking the east and west of the city (including other improvements to the area) – from Roseburn to Leith via Haymarket and West End.
On 7 Feb, we start work on a major new cycling and walking route linking the east and west of the city (incl other improvements to the area) – from Roseburn to Leith via Haymarket and West End. All project and roadworks information is on our website. https://t.co/mqI8oJd8YXpic.twitter.com/nkkOLRsKln
— The City of Edinburgh Council (@Edinburgh_CC) February 3, 2022
The next stage in the plan to introduce a Low Emission Zone (LEZ) in Edinburgh is expected to be approved by committee this week.
A finalised scheme was brought to October’s Transport and Environment Committee, when it was agreed that further analysis would be carried out on the LEZ’s role in reducing greenhouse gases, in particular carbon emissions, before final approval.
On Thursday (27 January) committee members will consider a report outlining analysis by SEPA via the National Modelling Framework. This notes that, while the LEZ will take significant steps towards tackling poor air quality caused by harmful NO2 and PM emissions, there are limits to how much the fossil-fuelled vehicles that are allowed within the zone will reduce carbon emissions.
Instead, the wider objectives of the LEZ scheme will help facilitate the Council’s actions toward achieving a net zero city. These include decarbonising transport and encouraging a shift away from private car use towards more sustainable choices of public transport or walking, wheeling and cycling.
It is recommended to proceed with the scheme with no changes to the boundary or grace period, meaning an LEZ would be introduced in the city centre this spring, with enforcement to begin in 2024.
A separate Air Quality Annual Progress report to committee shows a continued decline in air pollution across the city. As a result, one of Edinburgh’s five Air Quality Management Areas (AQMA) declared for breaches of national NO2 objectives – Inverleith Row – is set to be revoked, after three consecutive years of compliance, which is a sign of progress.
There are, however, still areas of concern, especially the Central AQMA, though modelling predicts that actions such as introducing an LEZ will have a positive impact.
Councillor Lesley Macinnes, Transport and Environment Convener, said: “The LEZ put forward for approval in October followed several years of planning, modelling and analysis, in line with national frameworks, as well as consideration of feedback received through a major public consultation.
“Additional work carried out since then to assess the scheme’s impact on carbon emissions, as well as the proposed boundaries and grace period, demonstrates that these proposals are appropriate for the city.
“The LEZ, alongside a range of ambitious projects to improve air quality, will encourage cleaner transport and support active travel, and is key to achieving cleaner air for everyone.”
Councillor Karen Doran, Transport and Environment Vice Convener, said: “It’s really encouraging to see a consistent fall in harmful air pollutants across the city, so much so that we’ll soon be able to revoke the Inverleith Row AQMA.
“Of course, there’s still work to be done and we’re confident that the LEZ, paired with companies committing to cleaner fleets, improved signalling and modal shift away from private car journeys, amongst other measures, will see the picture improve even further.”
Edinburgh’s city centre LEZ would apply to all motor vehicles, except motorcycles and mopeds, and with a two-year grace period.
An evidence-led approach was taken when developing the LEZ, adhering to the National Low Emission Framework and based on detailed traffic and air quality modelling and data. October’s proposals followed a major, 12-week consultation with the public.
The city centre boundary was selected based on various factors, including the expected limited impact of a larger zone and predictions that an alternative city centre zone would have longer lasting negative impacts on air quality at its boundary.
Once the LEZ is in place, vehicles must meet a minimum emissions standard to enter the zone freely, and those that don’t will be considered non-compliant and subject to penalties.
Penalty charges are set nationally at £60 for non-compliant vehicles (though halved if paid within 30 days), with the penalty rate roughly doubling for subsequent contraventions to a maximum level depending on the vehicle.
The cost of car insurance in Scotland has increased by £25 in three months
New data shows car insurance prices are increasing, with drivers in Scotland now paying £419, on average
● Despite prices rising across all areas of Scotland, the average premium is still £22 (5%) cheaper than 12 months ago
● Drivers in Central Scotland pay more than the national average, with motorists in the region paying £465, on average, following the steepest quarterly increase (8%) of all UK regions
● Meanwhile, drivers in other regions of Scotland pay as little as £342, on average, in comparison
● Experts at Confused.com remind drivers that recent FCA changes do not guarantee their renewal price will be their best price available
● Further research shows insurers increased renewal premiums last quarter by £45, on average
The average cost of car insurance in Scotland has increased by £25 in just three months, new data reveals.
This brings the average price of car insurance in Scotland to £419, a 6% increase compared to three months ago. That’s according to the latest car insurance price index (Q4) by Confused.com, powered by WTW. Based on more than six million quotes in a quarter, it’s the most comprehensive car insurance price index in the UK.
While the cost of car insurance in Scotland appears to be increasing, prices are still cheaper than this time last year, having dropped by £22 (5%) in 12 months, with prices across the Scottish regions still significantly cheaper than two years ago.
While the average premium in Scotland stands at £419, the price paid by drivers will vary depending on where they live. In fact, motorists in Central Scotland are paying more than the national average, having seen the steepest increase in premiums in the past three months of all UK regions. An 8% (£33) increase in the region means motorists are now paying £465, on average. Although, this is still £17 (4%) cheaper than prices 12 months ago.
Meanwhile, drivers in other Scottish regions are paying out between £342 and £378, on average, with prices now as much as £18 (5%) more expensive than last quarter:
Region
Average premium
Quarterly change
Annual change
Central Scotland
£465
8% / £33
-4% / -£17
East & North East Scotland
£378
5% / £16
-6% / -£26
Highlands & Islands
£377
5% / £18
-6% / -£25
Scottish Borders
£342
4% / £15
-9% / -£32
This increase in prices over the past quarter is reflected across the rest of the UK, where prices have risen by £25 (5%) in three months. This brings the average cost of car insurance in the UK to £539 – a £36 (6%) drop compared to 12 months ago.
While these price increases may come as bad news to drivers, Confused.com experts have been predicting this U-turn for some time. A significant drop in the number of cars on the road throughout the coronavirus pandemic, and a subsequent fall in the number of claims being made led to a sharp drop in premiums with prices reaching a six-year low just last quarter.
However, prior to this, prices were steadily starting to increase as claims pay outs were becoming more and more expensive for insurers, as the pandemic and ongoing delays caused by Brexit meant that repairs and replacements were not only more expensive but taking longer to complete. And this was reflected in the prices being offered to customers.
Now, as drivers spend more time on the road, and the number and overall cost of claims being made are increasing, as predicted, the cost of car insurance is increasing to reflect this and could soon return to pre-pandemic levels.
In fact, if the average price for the UK continues on the current trajectory, increasing by around 5% each quarter, the average cost of insurance in three months could be more expensive than it was 12 months ago. Based on this trend, UK drivers could be paying as much as £566 next quarter, compared to £538 in Q1 2021, on average.
In light of the recent insurance pricing changes enforced by the Financial Conduct Authority (FCA), Louise O’Shea, CEO at Confused.com, reminds drivers that these increases could mean that they may receive a more expensive renewal price in the coming months, despite many incorrectly believing that the changes guarantee a cheaper or flat premium.
Under the new regulations, insurers must offer drivers the same price they would receive as a new customer buying in the same way, banning what was previously known as a new customer discount.
Previously renewing customers may have seen their renewal price rise to offset the cost of new customer discounts. However, the new rules don’t guarantee that drivers will never see their renewal price increase again.
For example, if car insurance costs in the UK are typically 5% more expensive year-on-year, this increase could also be reflected in renewal premiums. In fact, further research by Confused.com found that two in five (42%) drivers who received their renewal last quarter saw their price increase by £45, on average, suggesting insurers could already be increasing renewal premiums in line with the current trend.
This is why it is important for drivers to still take the time to shop around, as the research also shows that almost half (46%) of those who had a higher premium at their last renewal were able to save £64, on average, by switching to another insurer using a price comparison site.
Although, it isn’t just those who are seeing more expensive premiums that are able to make savings, as almost a fifth (18%) of those who had a cheaper renewal went on to shop around and switch, saving £46 on average. However, with Confused.com’s Beat Your Renewal guarantee, these savings could be seen by millions of other customers.
However, there is some good news for drivers, as prices of new policies are still cheaper year-on-year, on average, which means those shopping around and switching insurers could still save money. And under the new FCA rules, insurers must make it easier for customers to cancel the automatic renewal of their policies, something which one in five (20%) consider to be stressful.
Despite being able to save when shopping around, some drivers are still paying more than others, and typically it’s male motorists who are forking out the most when it comes to their car insurance.
Given the fact that drivers in Central Scotland are paying significantly more than those in other Scottish regions, it’s no surprise that both male and female drivers have the highest car insurance costs.
Broken down, male drivers in Central Scotland are now paying £486, on average, following a £33 (7%) increase in the past three months, while female drivers are paying £429, which is £31 (8%) more than three months ago.
East and North East Scotland follows as the second most expensive region for male drivers, with the average premium here now £400. This is £59 more than the prices that female drivers in the region are paying (£341).
Similarly, much like the rest of the UK, younger drivers across all four regions are forking out the most for their car insurance, with 17-to-20-year-old male drivers in Central Scotland paying an eye-watering £1,343, on average. Female drivers of the same age and location pay just £1,041 in comparison.
However, it’s male drivers in their early 20s in both the Scottish Highlands and Islands and Central Scotland who have been stung by the steepest increases this quarter, as the average premium rises by 13% and 12%, respectively.
This equates to increases of £102 and £106, putting the average price paid at £874 and £995, respectively. These drivers are also among the few that have seen their premium increase over the past year, as prices increase by £30 (4%) for 21-to-25 year old male drivers in the Highlands and Islands, and by £13 (1%) for those in Central Scotland.
Looking to the towns and cities in Scotland, the price paid varies depending on where a driver lives. Of all postcode areas in Scotland, Glasgow is revealed to be the most expensive, with motorists forking out £525, on average – a significant amount more than the regional average. This is a £47 (10%) increase compared to three months ago, making the average premium just £4 ( 1%) cheaper than last year’s price.
In the Scottish Highlands and Islands, it’s motorists in Shetland that are paying out the most, with average prices in the area now £490, while drivers in Dundee face the highest premiums in the East and North East, paying out £386, on average. In the Scottish Borders, it’s drivers in Dumfries that have the highest car insurance costs, standing at £344, on average.
This shift in car insurance prices was to be expected, as drivers resume their normal habits. Given the current cost of fuel and the uncertainty surrounding the energy market, these increases will no doubt hit drivers’ wallets hard. However, this doesn’t mean that drivers can’t save money on their car insurance, as shopping around can still save potentially hundreds of pounds.
Louise O’Shea, CEO at Confused.com, comments: “Car insurance prices rising is not the happy news we wanted to start the year with, however it’s also not completely unexpected, as people resume their normal driving habits, and the cost of vehicle repair and replacement continues to increase.
“Although, customers who are shopping around are still receiving prices that are cheaper than 12 months ago, which is especially good news at the moment, as some customers are still seeing their renewal price increase year-on-year. This just goes to prove that there are still plenty of better deals out there.
“As claims costs continue to increase, we expect to see car insurance prices rise too, regardless of the change in pricing regulations by the FCA. And this will be particularly noticeable when we receive our renewal price after 18 months or so of considerably cheap premiums.
“It’s really important that we remember the new rules set out by the FCA do not mean our renewal price will be the best price we can get. If anything, these changes have made the market even more competitive, so there will likely be an insurer out there that could be cheaper or offer a better deal for the cover you need.
“Please don’t settle for your renewal quote from your insurer. We know that there will always be a saving to be made. We’re so sure of this that we’re offering to beat your renewal quote or give you the difference, plus £20.”
1 CEC should set a ‘Vision Zero’ target of no deaths or serious injuries on its roads, within its new Road Safety Plan, with a target of 2030 for realising that vision. (A more ambitious target than the national one is realistic in Edinburgh, where speeds are lower and road safety problems are less diverse.)
2 Excessive speeding is the principal source of the collisions that result in casualties. Realising this vision will require stronger and more comprehensive actions to reduce speeds on the city’s roads. Stronger measures both to enforce speed limits, and to redesign streets are essential.
3 Maximum use should be made of both fixed and mobile speed cameras, and red light cameras for enforcement. Suitable technology should be employed to ensure that the breaking of all speed limits (from 20 to 70 mph) can be enforced. Successful schemes on main roads using average speed cameras, such as that on Dalkeith Rd, should be rolled out across the city. But camera deployments must also be targeted by evidence of highly excessive speeds, not just by whether these have yet resulted in collisions.
4 Enforcement of 20mph limits across the city is never likely to be a priority for the police however, and CEC initiative and support will be essential. Involvement of the public and community groups, through initiatives such as ‘Speedwatch’, is vital for the identification of speeding problems and targeting of enforcement efforts on residential streets.
5 With the necessary legal powers, the council could readily undertake enforcement actions, alongside and co-ordinated with the police, under a system analogous to that for parking offences. Lesser speeding offences should be subject to fines issued by council wardens, with evidence of more serious abuses passed on for action by the police. CEC should seek the necessary devolved powers for such an enforcement system, with the fines set to fully fund the costs of enforcement.
6 A renewed emphasis on street redesign is needed, with the full range of traffic calming measures flexibly used wherever required. More use of soft measures such as speed indicator signs can be helpful, but they are no substitute for the hard engineering measures such as humps, cushions, and speed tables that effectively curb speeds. A single road hump on the approach to a sharp bend for example can eliminate a serious risk. Perceptions of safety are also very important for pedestrians and are an additional benefit on traffic calmed streets.
7 Raised crossings should become the norm on residential streets with 20mph limits. There should be a presumption that all new crossings, whether formal or informal, should be raised, with appropriate tactile paving, making them safer and easier to use for pedestrians. Especially where located at the approaches to junctions the slower speeds would have additional traffic calming benefits.
8 The current CEC safety review of major junctions is very welcome and needs to be made comprehensive. There are also still a multitude of more minor junctions with dangerous wide splay entrances that need to be redesigned. A new targeted review and investment programme is needed to systematically improve them, with tighter radii, build outs and raised entrances, as appropriate.
9 School safety plans are needed that provide for safer routes and for the safer school entrance areas that are needed at many of the city’s schools. Wider pavements should be provided that allow for the concentration of pedestrian activity these areas inevitably attract, with reduced parking and less use of guardrail.
10 Many pavements in the city are sub-standard, and often far too narrow. A comprehensive review and investment programme is needed to widen pavements and meet minimum design standards wherever possible. Where narrower carriageway widths result this will often also help to slow traffic speeds.
Action Points for the Scottish Government
1 ‘Vision Zero’ has strong public support, but to be realistic it requires more resources to support camera enforcement of speed limits at national and local level. Fines should be set at increased levels to ensure that finance will be available to support sufficiently comprehensive enforcement efforts, independent of the more general state of public finances.
2 Fines and license penalties should be graduated by the degree of excessive speeding involved and should be applicable to employers as well as individual drivers, where there is evidence of repeat offending.
3 Powers should be devolved to local authorities to allow them to undertake proportionate enforcement actions through wardens and levy fines for offences including speeding, red light jumping, pavement cycling and illegal use of e-scooters in co-ordination with the police. This will be vital for effective enforcement efforts where 20 mph limits apply across residential areas, with police resources and priorities necessarily being stretched.
4 National driver and employer education campaigns should be undertaken on the consequences of speeding, aimed at making speeding as socially unacceptable as driving with excess alcohol has become.
5 More advice and resources should be made available to local authorities to support the creation of safer streets through redesign and traffic calming. There is still a massive design deficit in terms of safety, but local authority road safety budgets and teams have been severely cut over recent years. Without strong and prioritised central government support, ‘vision zero’ will remain a mirage on many local authority streets.
