confused.com – The NEN – North Edinburgh News

Revealed: Scotland’s most stolen cars

AUDI A3, HONDA CIVIC & FORD FOCUS ARE SCOTLANDS MOST STOLEN CARS

Further research finds that almost 1 in 5 (18%) motorists have had their car stolen before, equating to 7,608,568 UK drivers.⁽¹⁾That’s as 14% of Scots admit to having their car stolen.
More cars were stolen from streets outside the victim’s home (37%) in Scotland than any other location.
With car thefts affecting so many drivers, Confused.com has launched a probability tool. Drivers can use this to find out how likely thieves are to steal the car they’re considering.
Rhydian Jones, car insurance expert at Confused.com shares advice on car theft prevention, and what to do if you need to make a claim

The Ford Fiesta is a firm favourite among drivers, with around 1.5 million on UK roads.However, it’s also the most targeted car by thieves, new data reveals.

The data, released by Confused.com, highlights the number of stolen vehicles since January 2018, with certain models and areas facing a significantly higher risk. This is based on customers who have made a claim for ‘theft of car’ on their insurance in this period.

In total, 10,346 thefts of Ford Fiesta have been reported since January 2018, according to car theft claims declared through Confused.com. This averages around 2,000 thefts per year, making it the most targeted car in the UK. Volkswagen Golf follows, with a total of 9,526 thefts over the same period, and BMW 3 Series ranks third with a total of 9,148 thefts.

Make and model (Car)	Units stolen
Ford Fiesta	10,346
Volkswagen Golf	9,526
BMW 3 Series	9,148
Ford Focus	6,664
BMW 1 Series	6,286
Mercedes-Benz C Class	5,698
Audi A3	5,551
Range Rover Sport	5,472
Vauxhall Corsa	4,992
Vauxhall Astra	4,357

However, the most targeted cars can vary by area of Scotland. For example, in Glasgow, the Audi A3 is the most stolen car. Yet in Edinburgh, a Honda Civic tops the list as the most reported stolen vehicle in the past 5 years.

The Scottish cities with the most stolen cars include:

City	Most stolen car
Glasgow	Audi A3 SE
Edinburgh	Honda Civic S
Aberdeen	Volkswagen Touareg R Line Plus
Motherwell	SAAB 9-3 Linear SE
Kirkcaldy	Renault Clio Dynamique

With so many drivers falling victim to car thefts, Confused.com has launched a new tool which shows the likelihood of a car being stolen.

This is based on the make, model and variant. Users can input the car they own, or are considering buying, into the tool and receive an estimate of its theft risk.

Armed with this knowledge, car buyers can make more informed decisions about their purchases.

In total, more than 250,000 thefts of cars have been reported since January 2018, according to Confused.com’s data. But the issue goes back further than this, as research found that almost 1 in 5 (18%) UK drivers have experienced car theft in the past. That’s equivalent to 7,608,568 motorists.

And according to the research by Confused.com, thieves aren’t always being particularly cautious with their methods, which suggests anyone could be at risk. In fact, more cars were stolen from streets outside the victim’s home (28%) than any other location, followed by their driveway (15%).

And it seems thieves are using a range of methods to successfully steal cars. Almost 1 in 4 (23%) stolen cars were hot-wired, 1 in 4 (22%) had their windows smashed and unfortunately 1 in 10 (10%) had their house broken into to steal the keys.

But it’s not all bad news as almost 9 in 10 (87%) of those who had their cars stolen said it was retrieved. Almost 2 in 3 (62%) said the police found it and 15% said they found it themselves. And technology clearly plays a role.

Over 1 in ten (14%) said they had security footage that showed the car being stolen, either from their own devices or their neighbours. A further 12% said they had a tracker on their car when it was stolen, which enabled them to find where it had been taken to.

It shows that having additional security pays. And as we head further into the winter season, getting closer to the clocks coming forward, drivers are being reminded to use car theft prevention devices. However, worryingly 28% of drivers admit they don’t use any additional security on their car.

But for those taking extra precautions, the most popular were found to be steering locks (19%), GPS trackers (17%), parking in a garage (17%) and putting car keys in a faraday pouch (12%). One in 10 also said they use a car key signal blocker as keyless car theft seems to be on the rise.

But it isn’t just the stress of having their car stolen which affects victims. In fact many were also left with significant financial burdens. Whilst the majority of cars are returned, almost 9 in 10 (87%) said their cars were returned damaged. On average, drivers had to spend £364 to repair damages and £671 to top up the cost of a new car.

With car thefts having such a significant impact on victims, it’s important that drivers are considering extra measures to keep their car as secure as possible – especially if their car is among the most targeted by thieves.

Rhydian Jones, motoring expert at Confused.com car insurance, comments: ““Having your car stolen is a stress on both your life and your living costs too. And with general car insurance costs at extreme highs, the impact of having your car stolen is proving to be a burden on drivers and the price they pay for their car insurance.

“That’s why it’s important that drivers do all they can to protect their cars from thieves. And there are many ways to do this. These include:

Checking your car is locked – This might sound like an obvious one, but this is especially important with more modern cars having keyless locking systems. It’s easy to forget to double check or lock your car in the first place. It’ll also impact your claim if your car is stolen and you’re not sure if you locked it or not.
Hiding valuables in your car – don’t leave any valuables like handbags, tech or money visible in your car. This could make it more attractive to break into and steal.
Investing in car security – steering wheel and handbrake locks are effective ways to protect your car from thieves. The brightly coloured locks also act as a visual deterrent.
Installing a tracking device – although this doesn’t prevent your car from being stolen, it can improve its chances of being recovered.

“Taking measures to protect your car can help ensure that it doesn’t become a target. And if you’re changing your car, use our car theft probability calculator. This can help you work out how likely thieves in your area are to steal that car model.”

Car insurance prices in Scotland are now £775, following a £254 (48%) annual increase

Central Scotland saw the biggest annual increase of any UK region

Despite recent increases, drivers are seeing some respite. The latest data shows how prices have fallen by £30 (-4%,), on average, over the last 3 months.
Glasgow and Motherwell are the most expensive areas in Scotland. Average prices are now £971 and £879, respectively, following annual increases. In Glasgow, prices increased by £341 (54%), on average, and by £303 (53%), on average, in Motherwell.
Prices across the rest of the UK have all continued to see annual increases. And further research shows how 3 in 4 (75%) drivers who renewed in the past 3 months saw their renewal price increase by £94, on average.
Motor expert Louise Thomas at Confused.com helps drivers to understand why their car insurance prices are so high, and how they can save money by shopping around.

Car insurance prices in Scotland are up by £254 (48%) in just 12 months. That means the average price is now around £775.

And it’s drivers in Central Scotland who could be seeing the biggest increases overall. That’s as prices are now £871, on average, following £298 (52%) rise. Not only is this the most expensive region in Scotland, but it’s also seen the biggest annual increase in comparison to other UK regions.

That’s according to the latest car insurance price index from 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 policies in the UK. However, prices in the country stalled somewhat by £30 (-4%) in the past 3 months, offering a brief respite to drivers. But despite this slight U-turn, prices do remain expensive for drivers as financial pressures continue to mount up.

And how much a driver pays continues to vary from region to region. The East and North East regions saw an annual increase of £220 (46%), making prices now £701, on average. Prices in the Highlands and Islands are now £674, on average, following a £201 (43%) annual increase. And drivers in the Scottish Borders are benefiting from the cheapest prices, despite a £206 (46%) increase in 12 months. Average prices are now £634.

Region	Average £	Annual £ change	Annual % change	Quarterly £ change	Quarterly % change
Central Scotland	£871	£298	52%	-£26	-3%
East & North East	£701	£220	46%	-£34	-5%
Highlands & Islands	£674	£201	43%	-£38	-5%
Scottish Borders	£634	£206	48%	-£23	-3%

When looking closer at areas within each region, Glasgow came out on top as the most expensive area for drivers overall. Following a £341 (54%) annual increase, prices are now £971, on average. Motherwell also topped the list as one of the most expensive areas in Scotland, with average prices now £879. That’s as prices increased by £303 (53%) in comparison to 12 months ago.

Here’s a full breakdown of the latest car insurance prices across Scotland:

Central Scotland –

Postcode area	Average £	Annual £ change	Annual % change	Quarterly £ change	Quarterly % change
Edinburgh	£769	£250	48%	-£37	-5%
Glasgow	£971	£341	54%	-£27	-3%
Kilmarnock	£765	£262	52%	-£6	-1%
Motherwell	£879	£303	53%	-£23	-3%

East and North East:

Postcode area	Average £	Annual £ change	Annual % change	Quarterly £ change	Quarterly % change
Aberdeen	£699	£218	45%	-£29	-4%
Dundee	£732	£235	47%	-£34	-4%
Kirkcaldy	£683	£211	45%	-£41	-6%

Highlands and Islands:

Postcode area	Average £	Annual £ change	Annual % change	Quarterly £ change	Quarterly % change
Falkirk	£689	£210	44%	-£42	-6%
Hebrides	£504	£98	24%	-£73	-13%
Inverness	£620	£181	41%	-£28	-4%
Kirkwall	£606	£188	45%	£13	2%
Paisley	£751	£228	44%	-£49	-6%
Perth	£644	£197	44%	-£30	-4%
Shetland	£674	£164	32%	-£81	-11%

Borders:

Postcode area	Average £	Annual £ change	Annual % change	Quarterly £ change	Quarterly % change
Dumfries	£635	£210	49%	-£25	-4%
Galashiels	£632	£199	46%	-£21	-3%

The latest pricing follows similar trends across the UK. According to the latest data, the average price in the UK is now £941, following an increase of £284 (53%) in comparison to this time last year. But the data also shows a drop in pricing over the past 3 months of £54 (-5%). So although this can be a small sigh of relief for drivers, it’s likely many are still having to pay high prices.

And it seems that most drivers are recognising the impact on the steep increases over the past year. Further research by Confused.com⁽¹⁾ found that more than 2 in 5 (43%) UK drivers claim they are paying more for their insurance now than ever before. And only 1 in 7 (15%) claim they are happy with the amount they pay for their car insurance.

Despite their loyalty, renewing customers are also seeing their prices increase significantly. But some were able to save money by shopping around. According to the research, of those who received their renewal between January and March this year, 3 in 4 (75%) received a more expensive price compared to the previous year. According to the research, these drivers saw their renewal price increase by £94, on average. After receiving their price, almost half (45%) went on to shop around and switch insurers, saving £90 compared to last year’s price, on average.

This shows that even while premiums are still high, drivers could save money by switching to another insurer, rather than sticking with their renewal.

But some drivers will of course see more expensive car insurance prices than others. And in some cases, drivers are actually paying significantly more now than they were at a younger age. This is because car insurance prices spiked last year as the insurance industry recovered from the turbulence of COVID-19. For example, a 22-year-old driver is now paying £667 more than they possibly were 5 years ago.

Today, a 22-year-old can expect to pay £1,930 for their car insurance. But in comparison, 5 years ago, a 17-year-old was paying £1,263, on average. This is true for all age groups. In some cases, they are now paying hundreds of pounds more than they would have at their age 5 years ago, even though they may have gained more driving experience and built a no claims bonus.

Difference in prices over 5 years

Age now (Q1 2024)	Premium now (Q1 2024)	Age 5 years ago (Q1 2019)	Premium 5 years ago (Q1 2019)	Difference
22	£1,930	17	£1,263	+£667
35	£1,126	30	£751	+£375
45	£892	40	£615	+£277
55	£666	50	£489	+£235
65	£545	60	£421	+£204

How much a driver is paying for their insurance very much depends on where they live, or how old they are. For example, men are now paying £1,001 for their car insurance, on average. While this is a £60 (-6%) drop in the average price compared to 3 months ago, this is still £299 (43%) more expensive than premiums for male drivers 12 months ago. In comparison, female drivers are paying £841 for their insurance – a £258 (44%) increase year-on-year. This has, however, dropped by £43 (-5%) in the past 3 months.

Some age groups are also paying out more for their insurance, with younger drivers typically bearing the brunt of expensive premiums. For example, 18-year-olds are now paying £3,145 for their car insurance, which is an increase of a staggering £1,300 (70%) in the past 12 months. For drivers of this age, prices only dropped by £17 (-1%) in the past 3 months, which is significantly lower than the average decrease in the UK.

While prices dropped for most, the price for 17-year-olds is the only age group to have increased this last quarter. Motorists of this age are now paying £2,919, on average, for their car insurance. This is £1,307 (81%) more expensive year-on-year, and £42 (+1%) higher than 3 months ago. This is the most expensive price recorded for this age group.

Meanwhile prices for 28-year-olds fell the most over the past 3 months, with premiums now 9% (-£139) cheaper, on average. This brings the average premium for drivers of this age to £1,353. However, this is still £403 (42%) more expensive year-on-year.

Even with prices seemingly starting to drop, drivers are still paying over the odds for their premiums. But why are prices still so high? 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.

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.

Louise Thomas, motoring expert at Confused.com car insurance comments: “For the first time in a while car insurance prices have stalled slightly for most drivers, and this may come as a relief. However, prices are still incredibly high and so people can expect to see their price increase compared to the previous year.

“The important thing to remember is that you don’t have to accept your renewal, especially as we know from our research that shopping around can find you a cheaper price.

“And on top of this, there are additional ways you can save as well. Choosing a higher voluntary excess can bring down your overall premium – but remember to only choose a price you can afford should you need to make a claim.

“And if you can, paying annually will save you money too, as monthly payments can incur an interest charge. If these aren’t viable options, things like increasing your security or reviewing your mileage to be more accurate could make a difference when quoting.

“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.”

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

Region	Average £	Annual £ change	Annual % change	Quarterly £ change	Quarterly % change
Central Scotland	£897	£350	64%	£77	9%
East & North East	£735	£279	61%	£60	9%
Highlands & Islands	£712	£264	59%	£58	9%
Scottish Borders	£657	£239	57%	£55	9%

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.

“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.”

More animals killed on M9 than any other road in Scotland

Almost 6,000 roadkills have been reported across England, Scotland and Wales since 2022

New data reveals how England accounted for 68% of all reported roadkill incidents.
The animals most likely to be hit by drivers were deer, badgers and foxes. Domestic animals like cats and dogs were also high on the list, accounting for 591 reports.
Over 1 in 3 (36%) UK drivers say they’ve hit an animal while driving in the past. But only 1 in 7 (15%) have reported it.
And hitting an animal could cost more than you might think. On average, roadkill is costing motorists £291 for damages to their vehicle.
Louise Thomas, motor expert at Confused.com car insurance explains what drivers should do if they hit an animal when behind the wheel.

More animals were killed on the M5 motorway than any other road in the UK last year, new data reveals.

Since 2022, there were 5,976 roadkill reports across England, Scotland and Wales. But the M5, which stretches 162m miles from West Bromwich to Exeter, accounted for 345 (6%) on its own. This makes it the most notorious road for roadkill incidents by vehicles across all 3 countries.

The data was obtained by Confused.com through a Freedom of Information request to Highways England, Transport Scotland and Transport Wales. The request asked each authority to state the number of dead animals found on roads between January 2022 and June 2023.

In England, the total number of animals reported dead to Highways England was 4,122. This makes up 68% of all roadkill reports in comparison to Scotland and Wales.

In Scotland, there were 1,521 reports of dead animals, while Wales accounted for 333.

But although England may seem the most notorious, its drivers in Scotland that could be most likely to hit an animal when driving.

That’s as Scotland has around 2.5 million registered vehicles(2), so around 1 animal is hit every 1,600 cars. In Wales, this is 1 animal in every 4,800 cars. And with around 28 million cars in England, 1 animal is hit in every 6,800 cars.

When looking at the particular roads that had the most reports, those topping the list were all found in England. In particular, the M1 and M6 had 282 and 273 reports, respectively.

In Scotland, the M9 was the worst for roadkill with reports showing 162 animals were found dead on this road last year.

But in Wales, figures were much lower. The worst road in Wales was the A55, most famously known as the North Wales Expressway, which had 105 reports.

When looking at the types of animals that are most common to be killed on roads, deer topped the list. Since 2022, there have been 1,924 reports of deer being killed. This was most common in England, with 1,084 reports.

In Scotland, 820 were reported and in Wales, just 20.

Badgers were second most commonly reported, with 846 reports in total, followed by foxes with 846 reports. Domestic animals were also among some of the most killed animals. That’s as 382 cats were reported dead last year and 209 dogs. This accounts for almost 10% of the overall figures.

The totals for domestic animals may be surprising for some, as they may expect to see higher roadkill numbers in residential areas. But the data collected from the Highways agencies primarily look after motorways and other large roads. This could be a reason why some reported animals are bigger than others.

And further research gathered by Confused.com backs this theory. The latest data suggests that there could be many other animals that actually top the list instead. In a recent survey of 2,000 drivers, 1 in 3 (36%) admit to previously hitting an animal when driving.

And when asked which animal they hit, the most common answers were:

Birds (35%)
Pheasants (23%)
Rabbits (21%)
Cats (15%)
Dogs (12%)

The difference in findings could be surprising, but this could be down to the legalities around reporting roadkill.

The UK law states that drivers have a legal obligation to call the police if they hit the following when driving:

Dogs
Horses
Cattle
Pigs
Goats
Sheep
Donkeys and mules

For animals like badgers, foxes and otters, they should be reported to the council rather than the police. But for other animals, such as cats and birds, these don’t need to be legally reported.

This could be why data reports for these animals are lower than expected. Although no matter the animal, it’s still recommended to report any that are hit when on the road. This is because they could cause obstruction and danger to other drivers.

But rules around reporting roadkill seems to be a confusing matter for drivers. That’s as almost 9 in 10 (87%) drivers admitted to not reporting an animal after they’d hit it with their car.

When asked why, more than half (52%) said they either thought or knew that they didn’t have to report it. But almost 1 in 5 (17%) said they either didn’t know how to report it, or they weren’t aware that they had to report that type of animal. A further quarter (26%) said they weren’t sure what to do if they hit an animal. So it’s clear that there’s some confusion among motorists around the best action to take.

Although the M5 motorway was the most common road for roadkill based on reports, it seems country roads are actually the most notorious for collisions.

That’s as almost 7 in 10 (68%) drivers said they’d come into contact with an animal on a country road or residential area (26%). But these types of roads are also where animals such as birds, pheasants and domesticated pets are most likely found.

And although country and residential roads could be most common for roadkill accidents, they could also be seen as less of an obstruction than motorways. So this could be the reason why roadkills are less likely reported on these types of roads.

But one thing that all roadkill incidents have in common is that the end result could be pricey. That’s as 1 in 5 drivers said their vehicle has been damaged after hitting an animal. And this left them out of pocket by £291, on average.

Hitting an animal when driving isn’t pleasant. And while it might feel like a sensible idea to swerve when danger is in sight, it’s not always possible. And 2 in 5 (44%) admitted that they wouldn’t swerve for an animal if it put other road users at risk. But that’s up for debate, as around 3 in 10 (29%) said drivers should try to avoid hitting an animal at all costs.

So it’s clear that there could be some confusion on what to do if you hit an animal while driving. But no matter if they’re a legal requirement or not, it’s always a good idea to report it to the appropriate authority anyway. This means the animal can either be treated or removed from the road correctly, and roads are kept clear for other road users.

Louise Thomas, motor insurance expert at Confused.com car insurance comments: “It isn’t nice for any drivers to hit an animal when on the road. It can be a shocking experience for yourself, your passengers and other road users. But sometimes contact can’t always be avoided.

“Whether you’re obliged to legally report it or not, you should always inform the police or your local council. That’s because it could cause an obstruction for other drivers. That way, the road can be cleared and the animal can be disposed of correctly. Unless absolutely necessary, you should avoid moving the animal yourself as this could risk your own safety.

“If you’ve hit an animal and your vehicle is damaged, it’s always worth getting a quote and having the damage assessed. In some instances, you might feel it’s worth making a claim on your car insurance.

“But for smaller claims, sometimes it’s also worth seeing if you can cover the costs yourself, rather than going through your insurer. Making a claim of any size could impact your premiums in future, with claims a common reason for increased cost.

“If you do hit an animal when driving, our guide on common motoring myths explains what to do.”

Pothole plague: What to do

It’s been revealed this week that it is taking up to EIGHTEEN MONTHS for some potholes to be repaired

Louise Thomas, car insurance expert at Confused.com, comments: “It’s common to see potholes this time of year, as cold weather and rainfall cause damage to roads. Potholes can be dangerous for road users, which is why it’s so important to report them if spotted.

“Our latest research reveals that almost 1 in 4 (23%) drivers have had their cars damaged because of a pothole. And the damage has costed £174, on average, for drivers to fix or repair.

“With rising motoring costs a continuous challenge in the current climate, potholes can be a costly annoyance. But drivers can make a claim, which could help to reduce how much they’re paying out themselves.

“To make a claim, drivers should:

1. Check for damage and gather evidence with clear photos or videos

2. Report the pothole to the local council

3. Ask a mechanic to confirm the damage and get a quote for the repair

4. Submit the claim to your insurer

“Our tips on how to make a pothole claim can help drivers through the claims process, so that they could potentially receive compensation for the damage caused.”

Cost of car insurance in Scotland grows 22% in just twelve months

Some drivers in Central Scotland and in East and North East Scotland are paying more than ever before for their car insurance. That’s as costs in areas such as Edinburgh and Dundee hit record-breaking figures.
However, Glasgow is the most expensive area in all of Scotland. Drivers can expect to pay £601, following an annual increase of £107.
And it’s a similar picture in the UK. That’s as prices increase by £100 to £629, on average.
Louise Thomas, car insurance expert at Confused.com reminds drivers shouldn’t give in to auto-renewal quotes from their insurer. That’s as further research shows UK drivers are saving £59, on average, when shopping and switching⁽²⁾
How can I save money on my car insurance? Confused.com provides top tips for getting cheaper car insurance, as cost of living crisis continues to impact the UK

The average cost of car insurance in Scotland has grown by 22% in just 12 months. That means drivers in the region are now paying on average £89 more than they did this time last year, new data reveals.

The increase means that drivers in Scotland are now paying £497 for their car insurance, on average. That’s according to the latest Confused.com car insurance price index, powered by WTW. Based on more than 6 million quotes over the quarter, it’s the most comprehensive car insurance price index for new business in the UK.

But some areas in Scotland might be pricier than others. The average cost of car insurance in Central Scotland is now £547, on average, following a £100 (22%) annual increase. This also makes it the most expensive region of Scotland overall.

For drivers in the East and North East, prices have increased to £456, on average, as insurance grew by £80 (21%) year-on-year.

And the latest data also reveals that these areas of Scotland are seeing record-breaking figures since Confused.com’s price index first began in 2006, so drivers might have noticed a recent spike in their premiums.

In Central Scotland, car insurance prices in Motherwell, Kilmarnock and Edinburgh all saw the highest costs recorded.

This means drivers were paying as much as £556, £483 and £488 respectively for their car insurance, on average. And for those living in the East and North East of Scotland, Dundee and Kirkcaldy also saw prices soar higher than years previously. These costs hit £472 and £453 respectively, on average.

Drivers in the Highlands and Islands have also seen rising costs. That’s as the average cost of car insurance in this part of the country has increased by 21%, to £448 on average. But the Scottish Borders is the cheapest overall. Despite a £70 (20%) annual increase, prices are £418, on average.

Despite some of the highest prices recorded in Scotland this quarter, these aren’t necessarily the steepest costs. In Glasgow, prices grew by £107 (21%) in 12 months, on average. That means prices are now £604 for drivers, on average, and the most expensive area in Scotland.

This quarter, Paisley also tops the list as one of the highest areas in Scotland, with a £95 (23%) annual increase. Drivers can now expect to pay around £501, on average. The cheapest area in Scotland is the Hebrides. Despite a 21% annual increase (£66), the cost of car insurance is £388, on average. This is 36% cheaper than Glasgow, the most expensive area in the country.

And it’s not just the annual increases that have packed a punch when it comes to insurance prices. In the past 3 months alone, the average cost of car insurance across Scotland has grown by 7%. That’s a £34 increase in premium costs, compared to motorists who took out insurance between July and September last year (Q3 2022). Here’s how the figures currently stand in each area:

Central Scotland:

Postcode area	Average premium	Annual change (%)	Annual change (£)
Edinburgh	£488	+22	+87
Glasgow	£604	+21	+107
Kilmarnock	£483	+25	+97
Motherwell	£556	+24	+107

Scottish Borders:

Postcode area	Average premium	Annual change (%)	Annual change (£)
Dumfries	£416	+20	+69
Galashiels	£421	+21	+72

East & North East Scotland:

Postcode area	Average premium	Annual change (%)	Annual change (£)
Aberdeen	£449	+20	+73
Dundee	£472	+24	+91
Kirkcaldy	£453	+22	+82

Scottish Highlands and Islands:

Postcode area	Average premium	Annual change (%)	Annual change (£)
Falkirk	£449	+21	+76
Hebrides	£388	+21	+66
Inverness	£417	+22	+74
Kirkwall	£393	+17	+57
Paisley	£501	+23	+95
Perth	£422	+22	+75
Shetland	£488	+10	+43

But what’s causing the price hikes? The current UK average of car insurance prices shows the highest in 3 years, following a £100 (19%) increase over the past 12 months.

The UK average now sits at £629, one of the most expensive since before the coronavirus pandemic. And while insurers had to readjust their pricing in recent years to reflect the return of normal driving habits, this past 12 months has also seen a real shake up in the insurance industry.

Last January, the Financial Conduct Authority (FCA) introduced new regulations to prevent insurers from overpricing loyal customers⁽¹⁾. This meant that all prices offered had to be fair and purely based on a driver’s profile. With companies no longer able to inflate returning customer costs, insurers have also had to readjust their pricing to make up for this. But, as a result, new business prices are likely to have increased.

For this reason, Louise Thomas, car insurance expert at Confused.com reminds drivers why they shouldn’t give in to the ease of auto-renewal. Even if the offer does look good. That’s as further research shows how drivers are still saving money, even if their renewal works out cheaper than the previous year.

To investigate, Confused.com conducted a survey of 2,000 UK drivers⁽²⁾ that had their renewal in the last quarter. And the results show that 1 in 2 (50%) found their renewal price had increased compared to the previous year, by £46, on average.

Of these, 2 in 5 (40%) went on to shop around and switch insurers and save £55, on average. This goes to prove that shopping around could save money, even when prices appear to be increasing. However, 1 in 5 (20%) also found their renewal to be £38 cheaper, on average. Of these, more than 1 in 3 (34%) went on to shop around and switch insurers, saving £59 on average.

These savings are also being seen by customers, with significant savings being reported, even when renewal prices have been cheaper.

For example, Mr Allen saw his premium drop from £306 to £285. But, by shopping around he was able to secure a new price of £248. However, in most cases, customers have seen their renewal increase significantly, with shopping around saving a staggering £240 for one customer. In this case, the insurer increased their renewal by £200 to £720. However, shopping around saw them reduce their premium to £480.

While all drivers across the UK are seeing price increases this quarter, they’re impacting drivers differently. For example, male drivers are now paying £672, which is a 19% increase year on year – in line with the UK average. In terms of monetary value, this equates to a £44 increase in 3 months, and £105 year-on-year. Meanwhile, female motorists are now paying £557, following a 19% increase year on year. This means prices are now £90 more expensive, on average⁽³⁾.

It’s a similar picture for UK drivers of different ages, with some facing major hikes in their insurance costs compared to others. Typically, younger drivers pay the most for their insurance, so it’s no surprise that their increases are above £200 for some. Although, 18-year-olds have been hardest hit, as their premiums soar by a staggering £307 (22%) over the past 12 months. This puts the average premium for drivers this age at £1,715, making it the most expensive age for car insurance.

This isn’t the highest price recorded for drivers of this age. Recent increases, however, has made this the case for both 28 and 33 year olds. A £130 (17%) increase for drivers aged 28 puts the average premium at £912 – the most expensive price on record for this age. Similarly, 33-year-olds are now paying £786, following a £123 price increase, to make it a record-high for this age group.

These increases are significant. But much like any other cost increases people are facing in the current climate, it’s also clear that there are savings to be made. Shopping around is likely to help drivers save against their renewal price, which is no doubt a welcome saving as the cost of living crisis continues. But there are also ways in which drivers can make changes to their policy in order to save money.

This includes:

Paying annually instead of monthly – insurers often put an interest charge on monthly payments, so making a one-off payment avoids this
Being accurate with your mileage – choosing a lower mileage may in fact work out more expensive, as this could be seen as a less experienced driver. Similarly, if you’re no longer travelling the UK every week, be sure to let your insurer know!
Enhancing car security – anything that reduces the risk of your car being stolen will reduce the risk of claim, and this should be reflected in your price.

For more information please visit: https://www.confused.com/car-insurance/guides/tips-for-cheaper-car-insurance

Louise Thomas, car insurance expert at Confused.com comments: “The current financial climate is difficult for everyone right now, in all aspects of their life. With costs on the increase all around us, it can seem overwhelming at times to even know where to begin when it comes to cost-saving.

“Some costs can’t always be avoided, but one thing for sure is that the price we pay for car insurance isn’t a fixed cost. Choosing to automatically renew your car insurance with your current insurer might feel like the most stress-free and easy option, but financially you might not be better off. There’s lots of insurers in the market right now, so it’s likely that there could be better and more affordable options out there for you.

“But how will you know for sure? The best advice I can give is to shop around before you need to renew. This is the only way you can ensure that you’re paying the best price out there. In fact, we’re so confident that motorists can find cheaper deals by shopping around, that we guarantee to beat your renewal quote. And if we can’t, we’ll give you the difference, plus £20⁽⁴⁾! Either way, it’s a win-win for motorists!

“We also understand that things happen throughout the year, which could affect policies from time to time. But our tips on how to get cheap car insurance advises how you can ensure prices remain as low as possible. Things like multi-car policies or having a no-claims bonus are just a few ways in which you could save.”

Cost of car insurance in Scotland increases by 18% in the last 12 months

Drivers currently paying £463 on average following a recent spike

Drivers in central Scotland have seen the biggest increase to their car insurance premium over the past 12 months. The current cost stands at £505, on average, following a £73 (17%) rise.
Drivers in the Scottish borders are currently paying the cheapest rates for their car insurance. Premiums are £391, on average, despite a 20% price increase in the past 12 months.
Although FCA changes to regulation have made pricing fairer to customers at renewal, further research highlights that this does not necessarily protect customers from price increases. More than 2 in 5 (41%) UK drivers who received a renewal quote in the past 3 months said that they saw an increase of £38, on average(1).
However, those who shopped around using a price comparison website were able to save £50 on their car insurance, on average.
With the current cost-of-living crisis affecting millions across the UK, Confused.com recently launched its money saving hub to support consumers and give advice on how to manage recent price hikes.
In light of the recent price increases, Louise O’Shea, CEO at Confused.com emphasises the importance of shopping around for the best deals and why drivers shouldn’t settle for auto-renewal.

That means motorists are seeing a £69 increase compared to this time last year. That’s according to the latest car insurance price index (Q3 2022) from Confused.com, powered by WTW. Based on 6 million quotes a quarter, it’s the most comprehensive car insurance price index in the UK.

However, some drivers in Scotland could be paying more than the national average, depending on the region in which they live. The latest data shows that drivers in central Scotland are currently paying the most for car insurance.

Their current premium is £505, following a £73 (17%) year-on-year increase. Despite facing an annual increase of £64 (20%), drivers living in the Scottish Borders pay the cheapest rates for their car insurance, with an average premium of £391.

Meanwhile, drivers in East and North East Scotland are paying £431, on average, for their car insurance. That’s as drivers faced a £69 (19%) increase in the past 12 months. And as for drivers in the Scottish Highlands and Islands, the current car insurance premium is £420, on average, following an increase of £61 (17%).

Region	Average Premium	YOY £	YOY %
Scottish Borders	£391	£64	20%
Central Scotland	£505	£73	17%
East & North East Scotland	£431	£69	19%
Scottish Highlands & Islands	£420	£61	17%

It’s a similar picture across the rest of the UK, where prices continue to rise. In fact, premiums have risen by £72 (14%) in the past 12 months alone.

The current UK premium stands at £586, on average, and is the highest annual increase in the past 5 years.

With the latest data revealing that premiums are on the rise, some drivers might think that they’re better off sticking with the same insurer when it comes to renewal. But further research conducted by Confused.com finds that some insurers don’t seem to be doing enough to protect their existing customers.

In a survey of 2,000 UK drivers, data reveals that more than 2 in 5 (41%) drivers who considered sticking with their current insurer received renewal quotes £38 more expensive than the previous year, on average⁽¹⁾. That’s despite the fact that more than a quarter (28%) of drivers who have renewed so far this year thought that their insurance quote would be cheaper this time around.

However, some motorists are taking action after receiving a more expensive renewal and are really seeing the benefits of switching. More than a quarter (27%) of drivers who chose to shop around using a price comparison site were able to save £50, on average. In fact, the Financial Conduct Authority (FCA) is actively advising consumers to shop around when it comes to buying insurance for this very reason.

Earlier this year, the FCA made important changes to stop ‘price walking’ and ensure all customers were treated fairly, but it seems some motorists remain complacent as a result. One in 5 (20%) drivers told Confused.com that they were less inclined to shop around because of these changes.

However, these new regulations don’t mean that better deals still can’t be found elsewhere and, as research shows, consumers are saving money by switching.

While the cost of car insurance premiums is on the up, there’s no ignoring the fact that the general cost of living is increasing, too. That’s why it’s more important than ever to shop around for the best deals. And as we head into the colder months, it’s clear that money will be tight for many.

With difficult months ahead, Confused.com has launched a money saving hub to help people understand where they can save money on bills to balance out price hikes. The hub focuses on a variety of insurance options, but also includes advice on how to be more fuel efficient and keep car costs down.

Its aim is to provide useful and digestible information that will help customers save money, without necessarily having to compromise and give up essentials.

Louise O’Shea, CEO at Confused.com, comments: “With costs currently rising all around us, I’m sure it comes as no surprise that the cost of car insurance is increasing, too.

“However, the pace at which it’s rising will be a real worry for many. The latest figures reveal a true example of how volatile the market currently is, which is why I need to stress just how important it is to shop around when it comes to renewing any insurance policy.

“As we head into winter, money is going to be tight. With concerns over the rising costs of energy, fuel and even food, millions of us will be looking for new ways to number-crunch and save money where we can. In recent months, the FCA have really amplified the importance of shopping around to help find some of the best deals out there during this time.

“Research shows that customer loyalty doesn’t always pay off, which is why it’s always encouraged to shop around and see what else is out there. If you switch insurers using Confused.com, there’s some fantastic rewards available that could help during a difficult time.

“A £20 voucher could pay towards a food shop in Lidl or even go towards an MOT or service in Halfords. And we even guarantee to beat your renewal⁽⁵⁾. If we can’t, we’ll give you £20, plus the difference. Either way, you’re better off just by using a price comparison service.

“I cannot emphasise enough just how important it is to take time, do your research and compare insurance prices. You might be missing out on fantastic deals and it will really help in the long run.”

Cost of car insurance on the rise

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.”

What are Low Emission Zones? Car insurance expert explains all

The brand new E10 fuel has been introduced in the UK, designed to cut CO2 emissions by quite a considerable amount, however, it still won’t affect whether cars have to pay an emissions tax.

Recently, Google Maps introduced notifications to drivers hat they’re about to enter a low-emission zone that could incur a hefty fine.

Several major cities in the UK have schemes in place, but where the zones begin is often unclear – and can catch drivers out. Alex Kindred, car insurance expert at Confused.com explains what they are, where they are, and how you can avoid an accidental fine.

What are Low Emission Zones (LEZ) or Clean Air Zones (CAZ)?

A Low Emission Zone (LEZ), or Clean Air Zone (CAZ) is put in place with the aim of reducing pollution levels and to improve air quality in the area – usually towns and cities.

In most cases, you’ll only pay to travel through these zones if your vehicle doesn’t meet minimum emissions standards. If you don’t pay the fee, you may have to pay a Penalty Charge Notice (PCN).

Why do we have Low Emission Zones (LEZ) or Clean Air Zones (CAZ)?

The latest IPCC report has been named a ‘code red for humanity’, meaning our attempts to tackle CO2 emissions are vital in order to keep the rise in global temperatures well below 1.5C in the next century.

The report shows that humanity emits approximately 40 billion tonnes of CO2 every year.

With such high numbers, the IPCC report authors believe we are destined to hit a global temperature increase of 1.5C by 2040 if emissions aren’t slashed in upcoming years, highlighting the importance of measures such as Low Emission Zones.

Will my vehicle trigger a fine?

Most fees apply to diesels built before September 2015. Usually these vehicles don’t meet emissions standards and in some cases the fees don’t apply to petrol cars built after January 2006.

Which cities are creating Low Emission Zones?

Birmingham, London, Oxford, Bristol and Scotland are all planning to have Low Emission Zones (LEZ) or Clean Air Zones (CAZ) in the near future.

Birmingham’s Clean Air Zone

On 1 June 2021, Birmingham launched its Clean Air Zone. It’ll operate 24 hours a day, 365 days a year.

You can enter the zone with no charge if your vehicle is one of the following:

A moped or a motorcycle
A diesel vehicle minimum standard Euro 6A
A petrol vehicle minimum standard Euro 4
A vehicle with zero emissions (electric, hydrogen)
A low emissions vehicle

You can check your vehicle here.

The charge:

Cars that don’t meet emissions standards will pay £8 per day.
Residents with a car registered within the CAZ will be exempt from the charge for two years.

Support available:

The Birmingham local authority has support available to help people adjust to the CAZ. For example, a £1,000 mobility credit or £2000 scrappage scheme.

London’s Ultra Low Emission Zone

The Ultra Low Emission Zone (ULEZ) is in central London within the same area of the congestion charge zone and it covers all vehicles that don’t meet emissions standards.

In 2020, they announced that the ULEZ would extend to create a single larger zone bounded by the North Circular Road (A406) and South Circular Road (A205).

The charge:

If your vehicle doesn’t meet the emissions standards, then you’ll receive a daily fee. This can be up to £200 for some vehicles.

Is my vehicle exempt?

Check if your vehicle meets emissions standards on the Transport for London website here.

Oxford’s Zero Emission Zone

Oxford’s Zero Emission Zone will now run in summer this year. The zone will cover five streets in the centre of Oxford to begin with and a larger Green Zone will expand and cover the rest of the city centre.

You can enter the zone with no charge if your vehicle is one of the following:

A cars that emits 50 g of CO2/km and can drive 70 miles without any emissions
A van that emits less than 75 g of CO2/km and can drive 10 miles without any emissions
Motorcycles and mopeds that don’t emit any CO2

The charge:

Vehicles that don’t meet emissions standards will face a charge of £10 between the hours of 7am and 7pm.
There’ll be a discount for blue badge holders until December 2024.
Oxford residents will receive a 90% discount until 2030.

Bristol’s Clean Air Zone

According to Bristol.gov.uk, 71% of vehicles in Bristol are already compliant and so only a minority of vehicles driving in the CAZ could be charged. The scheme implemented in Bristol is exactly the same as the one in Birmingham, which means you can use the tool here to check your vehicle’s registration.

You can enter the zone with no charge if your vehicle is one of the following:

A moped or a motorcycle
A diesel vehicle minimum standard Euro 6A
A petrol vehicle minimum standard Euro 4
A vehicle with zero emissions (electric, hydrogen)
A low emissions vehicle

The charges:

Non-compliant vehicles would only be charged once in each 24-hour period, and they would apply 24 hours a day, seven days a week.

Private petrol cars: £9 per day
Private diesel cars: £9 per day
Taxis: £9 per day
LGVs: £9 per day
HGVs: £100 per day
Buses: £100 per day
Coaches: £100 per day

Scotland’s Low Emission Zones

LEZs were proposed for Aberdeen, Dundee, Edinburgh and Glasgow but these plans have been delayed due to coronavirus. All being well, the zones should go ahead between February and May 2022.

Edinburgh’s plans

The Edinburgh LEZ will apply to the city centre for all vehicles that don’t meet emissions standards.

Glasgow’s plans

Glasgow introduced a LEZ in 2018, but it only applies to local service buses. In 2022 it’ll apply to all vehicles entering the zone that don’t meet emissions standards.

Aberdeen’s plans

Currently Aberdeen are still consulting the public on their Low Emission Zone, but more progress will be made this year.

Dundee’s plans

Dundee’s low emission zone should be implemented between February and May 2022. It will apply to all vehicles that don’t meet emissions standards.

Worried about getting an accidental fine for driving into a low emission zone? Alex Kindred, car insurance expert at Confused.com has provided these three tips for motorists to ensure they don’t get a hefty bill in the post:

Upgrade to a low-emissions vehicle using a manufacturer scrappage scheme to help with the cost

“Upgrading to a newer vehicle that meets the standards could mean opting for an electric vehicle. The government no longer runs an official scrappage scheme to encourage drivers to upgrade to a low-emission vehicle, but many car manufacturers do, including Citroen, Dacia, Hyundai, Kia, Renault and Toyota.

Consider retrofitting your current vehicle, but this can be costly

“Some older vehicles may be able to be retrofitted with emissions reduction technology such as selective catalytic reduction (which reduces NOx emissions) or even converting the vehicle to electric power.

“But any retrofitting would have to be approved. If you’re able to show a booking with a CVRAS-approved fitter or an approved retrofit solution, you get a three-month grace period and might not have to pay the LEZ driving charge if driving in the zone

Use Google Maps as your SatNav

“Google Maps will now notify drivers that they’re about to enter a low-emission zone that could incur a hefty fine. So if you’re driving in one of the areas that has emission zones in place, it’s worth having this installed and working to alert you if you’re close to a zone.“

Almost 20,000 drivers caught without insurance in Scotland last year

Up from more than 14,000 in 2019
Over the last two years, Scottish drivers have collectively paid out a whopping £2 million to release their car after being seized by police forces.
More than 4,500 cars were destroyed by local police forces in 2019 and 2020, with a further 1,100 being auctioned, raising more than £500,000.
In total, offences increased by 16% across the UK between 2019 and 2020, with more than 101,000 drivers caught driving without insurance last year alone.
Further research finds a third (33%) of UK drivers have borrowed or driven another car without necessarily having the right insurance in place.
Can I drive someone else’s car on my insurance? Confused.com clears up confusion as one in seven (14%) drivers are unaware of the rules around driving other cars.

The number of uninsured drivers in Scotland has increased by 37%, new data finds, as local police forces report close to 20,000 offences during last year alone.

That’s according to new Freedom of Information data obtained by Confused.com, which showed that the number of motorists caught driving without the correct insurance in Scotland increased from 14,363 in 2019, to 19,726 in 2020.

This means those caught could have collectively paid more than £10 million in fines over the two years, based on the minimum penalty dished out to offenders being £300.

When a driver is caught without the right insurance, the police are within their rights to not only issue fines but also seize the car in question. Offenders would then need to show evidence of a valid car insurance policy to release the car and pay a fee.

In 2020, a total of 8,811 cars were seized across Scotland, up from 6,851 in the previous year. This could be from the number of cars seized after being stopped, or those found on the road without insurance. And collectively, a whopping £2 million was paid by drivers in the region to release their car, which could have been on top of the fines they’ve already paid, proving to be a very costly mistake to make!

Cars that aren’t reclaimed could be destroyed. In fact, over the last two years, more than 4,500 cars were destroyed by police in Scotland. Or alternatively, they could be sold off at an auction, which was the case for 1,161 of the cars seized in 2019 and 2020. This raised a very nice sum of £500,000, averaging at around £431 made per car.

It’s a similar picture across the rest of the UK, where 100,983 motorists were caught without insurance in 2020, up from 86,914 in 2019 (+16%).

Taking out car insurance is one of the first things drivers must do when they buy or lease a car. And as it stands, all insurance policies are set to automatically renew at the end of their terms so that a driver is never left without cover. So why are so many drivers being caught out?

Previous research by Confused.com shows that many people cancelled their car insurance throughout the coronavirus pandemic to save money, which could explain the increase in offences last year.

However, new research has found that a worrying one in three (33%) UK drivers have borrowed or driven another car without necessarily having the right insurance.

Of those drivers, more than half (52%) did so under the assumption that they would be covered, while close to one in six (16%) knew they didn’t have the right insurance in place. Almost two in three (64%) made the excuse that they were only making a short trip, while more than half (58%) took the gamble because the owner of the car was with them.

While it seems that many people are knowingly taking the risk by driving uninsured, the research also found that many drivers are confused about what their insurance policy allows them to do.

Nearly one in six (16%) UK drivers find it confusing to know if their policy allows them to drive other cars, while one in seven (14%) don’t know the requirements.

According to Confused.com’s experts, driving other cars (DOC) isn’t something that is automatically included on comprehensive policies, despite many believing that it is. In fact, not all insurers will offer it as an option. It’s simply there for emergencies, such as if a friend has had an accident and needs driving to the hospital.

But to have DOC on their policy there are a few requirements drivers must meet, including:

They must be aged 25 or over when the policy starts.
Their own car insurance policy needs to be a fully comprehensive one.
The other car must have insurance already.
More information is is available here.

Worryingly, many drivers are unaware of the rules around driving other cars. In fact, one in eight (12%) wrongly believe its true that you are automatically insured to drive another car if you have comprehensive policy at any age, while a further one in eight (13%) believe this to be the case if you have a comprehensive policy and are over the age of 25.

However, experts suggest that motorists can only drive another car if their policy explicitly specifies it, although this will only cover for third-party damage, or if they are a named driver on the owner’s policy, in which case they would be covered for the same level as the policy holder.

This seems to be a popular option for the two in three (68%) drivers who drive or have access to another car. Almost half (49%) of these drivers are insured as a named driver, while almost two in five (39%) are insured on their own comprehensive policy.

However, it seems that drivers who have access to another car aren’t necessarily using it regularly. In fact, only one in four (25%) will use the second car at least once a week, while one in five (21%) claim to use it very rarely. But this isn’t surprising, given that more than a fifth (22%) claim they only have access to another car to reduce the insurance premium.

In fact, Confused.com car insurance price index (Q2 2021) data does suggest that this can reduce prices for some drivers, with the average premium dropping by as much as £204 for having another person on the policy(3). However, for two in five (41%) drivers, they have the option of which car to use depending on the journey they make.

Despite so many motorists being insured to drive another car, a worrying one in two (54%) admit they would still jump behind the wheel of another car without insurance, with almost two in five (38%) claiming they would take the risk in an emergency. However, this is a point that many drivers raised throughout the research, with one in three (30%) believing that having DOC on an insurance policy is important for emergencies, while more than one in five (22%) thinking it should be standard on all comprehensive policies.

Either way, it’s important for drivers to understand that having a comprehensive policy doesn’t automatically entitle them to drive another vehicle, and that they could in fact be hit with a very hefty fine.

And when it comes to buying or renewing a car insurance policy, having a conviction for driving without insurance is likely to increase your premium, with some insurers potentially not offering cover at all.

If a driver needs to use another car, Confused.com’s guide to driving other cars explains how to check if this is included on an insurance policy, or search for alternatives to help motorists avoid fines.

Alex Kindred, car insurance expert at Confused.com, said: “Driving without insurance is an offence that can be costly in fines but can also damage your record when it comes to applying for a new car insurance policy.

“Not only this, but you could risk having to pay to have your car released, which when you consider the fine as well, could end up costing you more than an insurance policy itself!

“Insurers appreciate that there are some emergency situations where you may need to jump behind the wheel of a car you don’t own, which is why some offer driving other cars within their comprehensive policy. But being over 25 or having a comprehensive policy doesn’t automatically entitle you to this. This must be outlined in your policy, or you do risk the penalty.

“If you’re confused about whether you policy allows you to drive another car, we’ve outlined what policies tend to cover, and how you can add it to your policy in our guide to driving other cars. Though it’s important to remember that this will only cover for third party damage.”