Tag: driving

£8 BILLION boost to repair roads and back drivers in England

Redirected HS2 funding to resurface more than 5,000 miles of road across England

  • driving to become smoother, safer and easier with £8.3 billion of redirected HS2 funding, enough to resurface over 5,000 miles of road
  • long-term plan to mend roads across the country, saving motorists up to £440 on vehicle repairs
  • biggest-ever uplift in funding for local road improvements thanks to funding from government’s £36 billion Network North transport plan

Millions of people will enjoy smoother, safer and faster road journeys thanks to the biggest-ever road resurfacing programme to improve local roads.

Today (17 November 2023), Transport Secretary Mark Harper has set out the allocations of an £8.3 billion long-term plan, enough to resurface over 5,000 miles of road across the country over the next 11 years. It’s one of the key cornerstones of Network North to improve journeys for all.

Across England, local highway authorities will receive £150 million this financial year, followed by a further £150 million for 2024/2025, with the rest of the funding allocated through to 2034.

Each local authority can use its share of the £8.3 billion to identify what local roads are in most need of repair and deliver immediate improvements for communities and residents. This is divided as:

  • £3.3 billion for local authorities in the North West, North East and Yorkshire and the Humber
  • £2.2 billion for local authorities in the West Midlands and East Midlands
  • £2.8 billion for local authorities in the East of England, South East, South West and, for the first time in 8 years, London

See a breakdown of the funding allocations for local highways maintenance by authority.

The UK Government has already confirmed £5.5 billion up until 2024/25, for England outside London, which includes the £200 million announced by the Chancellor at the Budget in March. Today’s £8.3 billion nationwide boost comes on top of that and extends until 2034, providing long-term certainty to local authorities and helping to prevent potholes from coming back in the future.

The funding also comes on top of the local transport, road and rail budgets allocated at the last Spending Review and in addition to what local authorities were already expecting for the next decade.

Prime Minister, Rishi Sunak, said: “For too long politicians have shied away from taking the right long-term decisions to make life easier for hardworking families – tackling the scourge of potholes being a prime example.

“Well-maintained road surfaces could save drivers up to £440 each in expensive vehicle repairs, helping motorists keep more of the cash in their pocket.

“This unprecedented £8.3 billion investment will pave the road for better and safer journeys for millions of people across the country and put an end to the blight of nuisance potholes.”

Transport Secretary, Mark Harper, said: “Most people travel by road and potholes can cause misery for motorists, from expensive vehicle repairs to bumpy, slow and dangerous journeys. Our £8.3 billion boost to repair roads across the country shows that we’re on the side of drivers.

“Today’s biggest-ever funding uplift for local road improvements is a victory for all road users, who will enjoy smoother, faster and safer trips – as we use redirected HS2 funding to make the right long-term decisions for a brighter future.”

According to the RAC, smoother, well-maintained road surfaces could save drivers up to £440 each in expensive vehicle repairs from pothole damage, helping motorists keep more of the cash in their pocket.

This £8.3 billion boost is particularly important when considering that, according to a survey from the AA, fixing potholes and investing in roads maintenance is a priority for 96% of drivers. These funds can also help boost road safety and encourage active travel, as smoother road surfaces will make it safer and easier for cyclists to use roads with greater confidence.

RAC head of policy, Simon Williams, said: “Drivers’ biggest bugbear of all is the poor condition of local roads, so the fact the government has found a significant additional pot of revenue should give councils the certainty of funding they need to plan proper long-term road maintenance, something we have been calling for many years.

“We hope local authorities will use the money in the most effective way possible by resurfacing the very worst roads, keeping those in reasonable condition in better states for longer through surface dressing and filling potholes as permanently as possible wherever necessary.

“This should in time go a considerable way to bringing our roads back to a fit-for-purpose state and saving drivers hundreds of pounds in the process from not having to fork out for frustrating repairs to their vehicles.”

To increase transparency and ensure the £8.3 billion leads to an increase in the number of roads being resurfaced, local authorities will be required to publish information on their websites on a regular basis explaining how they are spending the funding in their area.

The measure is a key part of the UK Government’s Network North plan, with money redirected from HS2 instead going to improve the daily transport connections that matter most to people.

It builds on tough regulations announced in April this year to crack down on utility companies causing pothole pain with botched streetworks, through stricter inspections and costs for the worst offenders – backed by further measures in our Plan for drivers announced just last month.

These include £70 million to keep traffic flowing, updating 20mph zone guidance for England to help prevent inappropriate blanket use and measures to speed up the rollout of electric vehicle charging.

Edmund King OBE, AA president, said: “Perilous roads blighted by potholes are the number one concern for drivers and a major issue for bikers, cyclists and pedestrians.

“So far this year, the AA has attended more than 450,000 pothole-related breakdowns. The damage caused can be a huge financial burden for drivers but is also a major safety risk for those on 2 wheels.

“The £8.3 billion plan can make a considerable difference in bringing our roads back to the standards, which road users expect, especially if councils use the cash efficiently to resurface our streets. As well as safer roads, eliminating potholes gives confidence to people wanting to cycle and instils pride of place within local communities.”

Network North will see £36 billion invested in hundreds of transport projects and initiatives across the country, and includes the extension of the £2 bus fare cap in England to the end of December 2024, as well as over £1 billion to improve bus journeys in the North and the Midlands.

Rick Green, Chair of the Asphalt Industry Alliance, said: “This additional funding is good news for local authorities in England and is much needed to help them tackle the backlog of repairs.

“We have long been calling for surety of funding over the long-term and the fact that the DfT has committed to this money being available over the next 11 years should allow highways teams to implement more efficient works to improve local road conditions and enhance the resilience of the network once they have details of their allocation.

“This long-term investment will also help give the asphalt supply chain confidence to further invest in plant upgrades, materials innovation and technical advancements to support the development and delivery of lower carbon roads in line with the government’s net zero ambitions.”

Motor expert, Louise Thomas at Confused.com car insurance comments: “With temperatures dropping and rainfall at extreme highs at the moment, it’s likely that we’ll see more potholes appearing on UK roads. Potholes can be dangerous for road users, and can also cause unwanted damage to cars, leading to repair costs.

“While the prime ministers announcement could benefit millions of drivers, these changes won’t happen overnight. Our research reveals that for those who have had to pay for car repairs due to potholes, the average cost of repair was £174. And with the cost of living continuing to remain high this winter, added costs like this can be a continuous challenge and annoyance for many.

“Drivers can make a claim to help reduce how much they have to pay out for their repairs. And there are some easy steps to make a claim. They include:

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

“The new funding should mean less drivers will be affected by pothole damage over time. But if a claim does need to be made, our tips on how to make a pothole claim can help drivers through this process. That’s the case even if the claim is rejected.”

Motorists warned of potentially deadly eye condition

Motorists have been warned about a potentially dangerous eye condition that distorts vision and adversely affects night-time driving.

Motoring experts at LeaseCar say thousands of Brits could unknowingly have an eye condition which causes difficulties with vision at night posing a safety risk on the roads. 

t is thought that as much as 40% of the adult population could be affected by Astigmatism, which occurs when either the eye’s cornea or the lens behind the cornea isn’t as round as it should be.

Astigmatism is an eye disorder which causes blurry or distorted vision, both close up and at a distance. 

Research suggests the condition could be on the rise as overuse of electronic devices can both bring it on and make it worse. 

Those who suffer from the condition commonly have a harder time seeing clearly at night because it increases sensitivity to glare and halos around lights, such as headlights or streetlights. 

This can affect motorist’s ability to perceive road signs, other vehicles, and potential hazards as well as making it harder for them to detect subtle changes in the road.

The experts are calling on anyone who experiences difficulties with night vision and thinks they could have the condition to head to the opticians.

Not only does failing to address the condition increase the chance of causing an accident on the roads, but it could also lead to hefty fines and penalties for motorists. 

If it is determined bad vision is a factor in a driving accident, motorists will be fined £1,000 and have three points on their licence if they had not notified the DVLA of their condition prior to the accident. 

In more serious cases, failure to notify about vision loss or sight issues could even result in a driving ban. 

Those with the condition may require glasses or contact lenses to correct it, but in more extreme cases doctors could need to use surgery to treat astigmatis. 

The DVLA says motorists must wear glasses or contact lenses every time they drive if they need them to meet the ‘standards of vision for driving’. 

Tim Alcock from LeaseCar.uk said: “It is extremely important that any motorists who think that they could have an eye condition get to the opticians and seek treatment. 

“Common symptoms of Astigmatism include trouble seeing at night, blurry, hazy and double vision, as well as needing to squint to see clearly. 

“With an estimated 40% of the adult population suffering from the condition, anyone with the symptoms should avoid driving until they have been checked out. 

“It is very dangerous to drive with any condition which impairs vision as it puts the motorist and other road users at risk. 

“The condition is particularly dangerous for drivers as the days get darker because it increases sensitivity to glare and halos around lights which affects being able to see the roads and potential obstacles. 

“It is also important that the DVLA is made aware of any condition that affects the ability to drive safely because if a motorist is involved in an accident and it is found that the condition was a contributing factor, they could be prosecuted and their insurance invalidated.”

Preparations underway for LEZ enforcement in Edinburgh

Contractors will start installing signage around the LEZ city centre boundary from October to help drivers plan their journeys in advance of enforcement beginning on 1 June 2024.

Automatic Number Plate Recognition (ANPR) cameras, which support enforcement, will be installed in late 2023/early 2024 and a mobile enforcement vehicle will be active from June 2024 onwards.

In early 2024 there will also be changes made to some street layouts and signals around the LEZ boundary to cut congestion and improve safety for everyone. 

Full details of the changes can be found on the Council website.

Independent market research carried out in June indicates that a majority of drivers in Edinburgh continue to support the LEZ and think protecting public health is important. Awareness and understanding of the LEZ has improved since 2022, highlighting the success of the local and national communications campaigns.

Councillor Scott Arthur, Transport and Environment Convener, said: “It may seem some way off, but we are beginning to approach the start of enforcement of the LEZ, and we want to make sure drivers are prepared.

“Air pollution harms both our physical and mental health, so by restricting the most polluting vehicles in the LEZ we will create a healthier place for everyone, reducing inequalities and making the city centre a more welcoming place.

“I’m pleased that compliance with our emissions standards continues to increase, driven by the upcoming LEZ restrictions and support funds, and that support remains high. Lothian Buses are now LEZ ready, and the Council fleet will be soon.

“There’s still work to be done though to ensure everyone else who enters the zone is compliant. As we begin preparations for enforcement, I would encourage all drivers to check if their vehicle is compliant through the online vehicle checker tool, and find out more about the support funds available.”

A city centre LEZ was introduced in Edinburgh on 31 May 2022, along with LEZs in Glasgow, Aberdeen and Dundee, restricting the most polluting vehicles and benefiting everyone’s health. In Edinburgh, a two-year grace period is in place, meaning no penalty charges will be issued during this time.

Earlier this year, data analysed by the Scottish Environment Protection Agency (SEPA) revealed that overall compliance with Edinburgh’s LEZ emissions standards had increased from 48% to 78% over the last six years.

Compliance is particularly high amongst the local buses (97%), with Lothian Buses being 100% compliant. Petrol cars (95%) and lorries (86%) also have high compliance rates yet diesel cars are only 50% complaint.

Restricting the most polluting vehicles will significantly reduce harmful emissions of nitrogen oxides (NOx) from vehicles by up to 50% within the LEZ. Further air quality improvements are expected beyond the boundary, improving public health around the city.

LEZ restrictions will apply to motor vehicles, except motorcycles and mopeds. Vehicles must meet the minimum emissions standards to drive within the zone, though national exemptions apply including for blue badge holders and emergency vehicles.

Edinburgh’s LEZ will issue penalty notice charges, or fines, in line with Scottish regulations, from 1 June 2023. Penalties start at £60, for non-compliant vehicles driving within the Zone though this is reduced by 50% to £30 if paid within 14 days.

Penalties escalate and surcharges will be issued if drivers repeatedly enter the LEZ within a 90 day period. These surcharges are capped at £480 for cars and vans, and £960 for buses and lorries. 

Find out more about LEZ penalties.

Find out more about LEZ installation.

Pumping up prices: Motorists making expensive mistakes when filling up

Following news fuel prices are expected to rise once again, motorists have been told to avoid common costly mistakes when heading to the pumps. 

Motor insurance comparison experts at Quotezone.co.uk have revealed eight errors which could be contributing to over consumption of fuel and have costly consequences for drivers. 

Free Attentive female driver in casual outfit and headband filling up modern automobile with automotive fuel gun on petrol station while looking down Stock Photo

Credit: Pexels

This comes after it was revealed around 150,000 Brits put the wrong fuel in their car every year.*  

Misfuelling is one of the most expensive mistakes motorists make.  Pumping petrol fuel into a diesel engined car can lead to engine failure, leaving motorists to pick up the repair costs. 

Rule 97 of the Highway Code states before drivers set off, they should ensure they have ‘sufficient fuel or charge for your journey, especially if it includes motorway driving’.**

Careless or dangerous driving caused by low fuel will see motorists face fines of up to £100 and three points on their license. 

Greg Wilson, CEO and price comparison expert at Quotezone.co.uk, said: “It can be frustrating to feel like you are spending more and more on fuel each time you fill up. With the inconsistency in pricing and news about fuel prices reaching news highs, we wanted to share our fuel saving suggestions to help drivers save as much as possible. 

“Small mistakes at the petrol pump can lead to serious costs. Misfuelling is expensive, and more common than you think.  However, even simple things like making sure the car is in good working order with tyres topped up and excess weight removed, can help reduce the amount of fuel it consumes.”

Quotezone.co.uk compiled some of the biggest mistakes drivers make when filling up: 

1.Misfuelling 

Misfuelling and pumping your diesel car with petrol fuel can be a very costly mistake. Although there may not be any noticeable changes to your car initially, as the petrol makes its way to the fuel system you will have serious consequences. Depending on how far thepetrol has circulated through the fuel system and engine, the cost of repairs can vary from a simple drain and flush to some very expensive component replacements. 

2.Check your tyres

Low tyre pressure will cause your tyres to drag on the ground and consume more fuel than fully pumped-up tyres. 

3.Letting your fuel run on empty

Letting your car run on low fuel isn’t a crime, but any careless or dangerous driving caused by the lack of fuel could see you punished by law. You could face a £100 fine and three points on your licence if you are forced to stop in the road and cause an obstruction to other motorists. 

4.Overfilling your tank

While overfilling the tank can be tempting and seem like a way to save additional trips back to the pump, you will actually end up paying more for your fuel. Filling the tank beyond maximum capacity can cause the fuel to overflow and waste money. Overflowing fuel can also fall to the ground which causes a potential fire hazard and you will still be charged for the waste.

5.Filling up during peak hours 

Petrol station prices can vary throughout the day, with costs at their highest during peak hours around midday and 5pm. In order to find the lowest prices, head to a petrol station early in the morning or later in the evening.  

Quotezone.co.uk can help people save on everyday bills plus niche products like gadget, temporary car and courier insurance.

Majority of major UK theme and adventure parks yet to provide EV charging points

Only five of the UK’s biggest theme and adventure parks currently offer electric charging facilities but the situation is set to improve in the coming months, according to a new study by the RAC.

Just Thorpe Park in Surrey, Chessington in London, Blackpool Pleasure Beach, Crealy in Devon and M&Ds in Scotland provide EV chargers for visitors, with many other popular and well-loved attractions in other regions currently offering none at all. At the five parks that have some provision, the average number of chargers on offer is four.

The parks that currently don’t offer any charging facilities include such well-known names as Legoland Windsor in Berkshire, Alton Towers in Staffordshire, Gulliver’s sites in Cheshire, Yorkshire and Buckinghamshire and Oakwood in Wales. But the good news is that the first two of these parks have publicly committed to installing chargers before the end of the year.

The RAC study also looked at the nearest ultra-rapid chargers to top theme parks as the next most convenient place to charge on a day out and found they were an average of seven miles away, with each offering an average of only five chargers each. In some parts of the country however, drivers need to travel much further, with the closest ultra-rapid chargers to Pleasurewood Hills in Suffolk and Flamingo Land in North Yorkshire being some 25 miles away.

RAC Charge Watch data shows that drivers currently pay on average 73p per kWh of electricity at an ultra-rapid (100kW+) charger, making an 80% charge of a family-sized EV currently cost £37.39. If public chargers were only subject to 5% VAT like home chargers, that cost would be around £4 cheaper.

Comparisons with major theme parks elsewhere in Europe show just how different the situation can be when it comes to on-site electric vehicle charging. Efteling in the Netherlands has capacity for 174 electric cars to charge at once, while PortAventura in Spain can accommodate 150 cars charging and Europa Park in Germany offers 32 chargers.

It’s far from a perfect picture everywhere however, with Disneyland Paris and Gardaland in Italy having just four chargers each.

RAC spokesman Rod Dennis said: “Even though most people visiting adventure and theme parks in electric cars will be starting out fully charged from home, many will still need to charge on the way back depending on the length of their journey and their vehicle’s range.

“For those travelling considerable distances to reach them it surely makes sense to have some chargers at theme parks as cars will be parked for long periods, making slower chargers ideal.

“It’s a little disappointing therefore to find some big-name attractions aren’t yet providing any charging facilities, but the situation is thankfully changing with several having stated they’re looking into installing chargers in the near future. We look forward to these plans becoming a reality to make drivers’ lives easier.

“As things stand, families with electric cars who need to recharge after enjoying a day out will no doubt be relying on ultra-rapid chargers to get on the move again as quickly as possible.

“Our research shows drivers will have to travel only an average of seven miles from a theme park to reach one of these, although in some parts of the country the distance is considerably further. Fortunately, with every month that passes provision is improving and in fact over the last 12 months the number of ultra-rapid chargers in the UK has nearly doubled to 8,772.

“Some leading theme parks in other parts of Europe are currently putting the UK in the shade when it comes to more extensive electric charging infrastructure. As they’ve decided it’s right to put chargers for their visitors in place, we now need all major theme park operators in the UK to come to the same conclusion.”

Quentin Willson, automotive journalist and founder of theEV campaign FairCharge, added: “Theme parks are an obvious example of how we need to make sure the UK’s future charging infrastructure really is joined up.

“Parks, attractions, museums, holiday centres, hotels and leisure facilities need to have plenty of chargers for visitors in EVs. Drivers will base their leisure choice destinations – as many already do – on if there are reliable charging facilities. This is the future.”

In a bid to stimulate the take-up of electric vehicles and make public charging more cost-effective, the RAC is supporting the FairCharge campaign’s call to get VAT on public electricity reduced from 20% to match the 5% domestic rate.

97% of car insurance products charging at least one extra fee

  • Millions could be paying more than they think for their car insurance
  • Customers paying extra to pay by direct debit and for set up fees, adjustment fees, cancellation fees and even renewal fees
  • NFU Mutual, which does not charge any extra fees, analysed data from Defaqto and found only 9 of 321 products – 3% – don’t charge any extra fees

Data from 321 insurance products shows that millions of people in the UK could be paying extra fees for their car insurance.

NFU Mutual, which does not charge any extra fees, analysed data from Defaqto and found that only 9 of 321 products – just 3% – do not charge any extra fees to customers.

Data table

Number of products – 321

Number of products charging a fee of some kind – 312 (97%)

ChargeNumber of products chargingPercentage of products chargingHighest feeAverage fee
Direct debit30695%n/an/a
Set-up fee14645%£350£58
Adjustment fee23974%£175£39
Cancellation fee28990%£400£57
Cooling-off cancellation fee16551%£400£42
Renewal fee13341%£100£47
Telematics disconnect and removal fee14 (out of 62 products)23%£100£68
Telematics documentation fee2 (out of 62 products)3%£60£60
Telematics missed appointment fee14 (out of 62 products)23%£60£51

The most common fees charged are direct debit fees, with 95% of products charging customers more to spread payments throughout the year, and cancellation fees, which are present in 90% of products.

The average cancellation fee is £57, with the highest charge a massive £400, which includes a broker fee and a charge for installing the related telematics device.

Adjustment fees are also charged in over three quarters of car insurance products, reducing the ability of consumers to make changes to their insurance without incurring costs. The highest adjustment fee was £175, which includes a broker fee and a charge for installing a new telematics device, with the average fee coming in at £39.

Well over 40% of products charged set-up and renewal fees, effectively penalising customers for setting up insurance. From products which charge the fees, the average set-up cost is £58 and the average renewal fee is £47.

Many insurance providers – 51% of products analysed – also charge customers for cancelling during the 14-day cooling-off period. This cooling-off period is a legal requirement during which a customer can cancel their policy for any reason. However, over half of insurance products charge customers to do this, at an average of £41 and reaching £400 at the higher end, with this covering cancellation, a broker fee and the cost of installing the related telematics device.

With so many car insurance products charging for common things, with the average fees representing not-insignificant amounts, customers could find themselves on the hook for substantial costs on top of their insurance premiums.

Wendy Yeomans, car insurance expert at NFU Mutual, said: “With the cost of living crisis hitting all our pockets, it’s more important than ever to keep on top of our budgets.

“Many households have cancelled media subscriptions or altered their buying habits to keep spending under control, but many will not be aware they are paying the equivalent of this in extra fees for their car insurance.

“Extra fees like this, which many consumers aren’t aware of, make budgeting more difficult and effectively mean the prices many pay for their car insurance creep up beyond what they expected.

“That is why, at NFU Mutual, we are proud to say we don’t charge any extra fees at all, nor do we penalise customers for paying in the way that suits them best – whether this is a monthly direct debit, lump sum or by cheque.”

Car insurance premiums rise by 40% across UK

The average cost of car insurance is now £776, after increasing by £119 (18%) in the past 3 months alone

●      Council tax and energy tops the list of the most expensive household bills, costing Brits £984 and £964 respectively, on average(1).

●      But drivers are still seeing savings, despite big price hikes, according to further research by Confused.com. Motorists who shopped around and switched in the past 3 months saved £63, on average, with only 9% reporting a cheaper renewal price year-on-year.

●      Why are prices rising? Confused.com experts suggest an increase in claims and consequently the cost of claims are rapidly rising. This would account for the unprecedented high increases in car insurance costs.

●      Confused.com issues advice to drivers on how to reduce car insurance costs as 2 in 5 (40%) Brits call on insurers to do more to keep prices lower. 

A staggering increase in the average cost of car insurance places it as the third most expensive household bill, new data has revealed. 

Motorists are now paying £776 for their car insurance, following a £119 (18%) increase in prices over the past 3 months, on average. That’s according to the latest (Q2 2023) 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 comprehensive policies. According to the data, prices are now £222, or 40%, more expensive than they were 12 months ago, on average. This makes it the biggest price increase on record. And to put into context how quickly prices have increased, the average premium is 49% more expensive than 2 years ago, in comparison. 

These steep increases mean that car insurance costs are close to the expensive rates people are paying for council tax and energy, according to further research. A survey of 2,000 UK drivers(1) found that the average council tax bill is £984 per year, and £964 for energy. And that’s in addition to other expensive essentials, such as food and home entertainment.

That’s as research shows the average UK driver is spending:

●       £1,022 on food shopping

●      £690 on home entertainment services such as broadband and TV subscriptions. 

Are all drivers seeing price increases? 

Although some drivers saw some savings, most drivers are feeling the effects of these price hikes.  While this may look bleak to drivers, especially during a financially turbulent time, research also shows that there are savings to be made. According to the additional research, only 9% of UK drivers had a cheaper renewal price last quarter (April – June).

This proves that myths surrounding the regulations implemented by the Financial Conduct Authority in January 2021 aren’t true. Following the changes, many drivers believed they wouldn‘t get a more expensive renewal price.

But as the research proves, this isn’t the case. In fact, almost 2 in 3 (59%) saw their price increase, by £52, on average. This is despite almost a third (31%) having no driving convictions, and a further third (32%) having at least 1 year’s no-claims bonus on their policy.

However, many people trusted that they could find a better price, with almost half (46%) going on to switch providers. Of these, almost 2 in 3 (64%) used a price comparison site and saved £63 on their original price, on average.

It’s a similar picture for those who saw a cheaper price, which averaged at just £34 less than the previous year. Two in 5 (40%) went on to buy with another provider, with 1 in 2 (50%) using a price comparison site and also saved £63, on average.

It seems buying a new car insurance policy right now may sound unaffordable. But figures prove that drivers can still save money compared to the renewal price their current insurer is offering. 

Why are prices increasing? 

It’s clear from the data that prices are increasing for all drivers, whether they choose to renew or buy a new policy. But why are prices rising so significantly? 

One of  the biggest expenses for insurers is claims. During the pandemic, fewer cars were on the road.  As a result, the industry saw a reasonable drop in prices to reflect the reduction in claims being made. But now, research suggests normal driving habits have resumed. This could mean insurers are having to pay out for more claims than they were 2 years ago. 

But the important fact here is that the cost of these claims has increased significantly for insurers. Like with many other businesses, this is arguably down to the shift in inflation rates reported over the past 18 months.

And this, as a result, has driven up the cost of repairs and maintenance, which in the event of a claim, is covered by the insurer. This is especially true for newer cars, and many used cars that are in high demand. In fact, the Association for British Insurers (ABI) reported a 33% uplift in the cost of vehicle repairs last quarter.

We’re also seeing that used cars are holding their value more in the current climate. This means that payouts for write-offs or total losses are costing insurers more to cover. Similarly, new cars as well as electric vehicles are much higher in value than before due to more expensive features and upgrades coming as standard. This means paying out to replace a new car is costing insurers more.

What does this mean for drivers?

While the average cost of car insurance in the UK has reached £776, there are some drivers that will be paying significantly more than this. The price paid  varies quite a bit, based on a drivers’ gender, location and age. 

For example, the average premium for male drivers is now £827. This has increased by £236 (40%) in the last year, and £125 (18%) in the past 3 months. In comparison, female drivers are now paying £690, following a £198 (40%) increase year-on-year, and £107 (18%) over the quarter. This brings the average gap between them to £137.

Similarly, a driver’s location has a huge bearing on their price, with some now paying over £1,000 for their car insurance. A £299 (42%) increase in prices in Outer London has put the average premium in the region at £1,003 – the first time it has reached over £1,000 since the index began. However, Inner London remains the most expensive region in the UK, with the average driver now paying out £1,257. 

As expected, prices have risen across all UK regions, but some are still paying a considerable amount less than others. For example, the average insurance cost in the South West is only £509, despite a £136 (36%) increase over the year.

And in most cases, prices are at their most expensive on record for each region, with the exception of Manchester and Merseyside. The average car insurance cost in the region is now £965, making it the most expensive region outside of London. However, this is still £48 (-5%) less than the highest price paid on record (Q4 2011).

A driver’s age also determines how much they  pay, with younger drivers bearing the brunt of the biggest car insurance costs. Steep increases means that drivers aged between 17 and 19 are paying out more than £2,000 for their policies, on average. In particular, 18-year-olds are paying the most, with the average premium now £2,404.

This is followed by 19-year-olds, who are paying £2,097, and 17-year-olds who are paying £2,088. At the other end of the scale, drivers around retirement age benefit from the cheapest prices. In fact, for 69-year-olds, the average premium is just £413, in comparison, with drivers aged 61 and over all paying in the £400 bracket.

Why are some drivers paying more than others?

While it may seem unjustified for some drivers to be paying out such hefty prices compared to others, this all comes down to the risk.

For example, male drivers typically have a higher risk profile than women, as they statistically drive more miles and more expensive cars. This puts them at an increased risk of a payout for insurers, as they have to account for the cost of covering a higher value car. 

Claims frequency is the biggest explanation for why drivers pay more, and when it comes to location, it’s typically the more populated areas that see the biggest prices. This is because these areas have more cars on the road, higher traffic levels and therefore a higher risk of accidents and claims.

And when it comes to age, younger drivers who are typically less experienced  pay more as they’re at a higher risk of making a claim. However, as they build up their driving experience and their no-claims, they should see their costs reduce over time.

How can drivers save money?

With the cost of living crisis continuing to hit Brits in the pocket, it’s clear car insurance is quickly becoming another hefty expense for drivers. 

It’s no surprise, then, that 2 in 5 (40%) motorists are calling on insurers to do more to make the cost of car insurance more affordable. In fact, 1 in 4 (25%) claim they’re having to drive less due to the rising costs.

And 1 in 5 (20%) are finding the overall cost of driving too difficult to manage. With the average car insurance price now £772, the overall cost of motoring has reached almost £2,000. That’s as research shows the average UK driver is spending an additional £720 on fuel per year, and £455 on other car maintenance costs.

However, according to Confused.com’s fuel price index, the average price of petrol dropped to 143.3p in June, from 174.5p in August last year. Similarly, the price of diesel is just 145.5p compared to an eye-watering 187.1p, which drivers were paying last November. This goes to show that there are still some areas of motoring where drivers are saving money.

But just because car insurance prices are increasing, doesn’t mean that motorists have to pay more than they need to for their policies.

Experts at Confused.com have identified some key ways for drivers to take a few pounds off their insurance price, without making any significant changes to the way they drive.

●      Be accurate with your 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.

●      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.

●      Pay for your car insurance annually – If you can afford it, paying for your insurance in one go rather than monthly is one way to get cheaper car insurance. That’s because insurance companies always charge interest for spreading the cost of your cover over the year.

●      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.

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

Louise Thomas, motor expert at Confused.com car insurance comments: “Car insurance has quickly become one of the biggest expenses for drivers. If prices continue at this rate then there’s no doubt drivers could be priced off the road, as they battle with other rising costs too.

“But what we do know is that many drivers were able to save some money when it came to renewal. And shopping around was the key to this. Even if prices were cheaper for them, the price they saw online was still significantly cheaper.

“Although this isn’t all drivers can do to save money. We always advise drivers to take a look at the details of their policy and make sure they’re accurate before committing to a price. Updating your mileage, or considering additional security could easily bring your price down.

“In the current climate we want to help drivers do all they can to make their insurance more affordable. But we know the key to this will be shopping around and seeing what the best price out there is. It’s a competitive industry and we’re confident that switching will result in savings.

“This is why we offer a guarantee to beat your renewal, or pay you the difference, plus £20. In this scenario, you don’t pay more, and you gain more cash!”

The ultimate Harry Potter Scottish road trip for fans to try this summer

– As Harry Potter arrives on Netflix, experience its iconic locations in real life with a beautiful Highlands road trip

– There are six magical locations to explore, including Glen Etive, Glenfinnan Viaduct, and Loch Morar

– The Harry Potter road trip takes 7 hours 54 minutes to complete by car

As the fifth most popular filming location in Europe, Scotland has provided a beautiful backdrop for countless Hollywood blockbusters over the last few decades.

Harry Potter is perhaps the most famous and beloved of these film series to shoot scenes north of the English border, with stunning Highland scenery featuring across each of the eight exciting instalments.

And, as this franchise has arrived on Netflix and reignited the nation’s love for all things Potter, fans can visit its most iconic filming locations, as Macklin Motors has curated the ultimate road trip route of Scotland for Potterheads.

Taking 8 hours to complete by car, this road trip is perfect for Harry Potter fans who want to feel the magic of their favourite scenes, while taking in beautiful Scottish landscapes at the same time.

The journey starts in the astonishingly beautiful valley of Glen Etive, before driving just over half an hour to Rannoch Moor’s Insta-ready autumnal shades, both of which featured in the Deathly Hallows.

The next stop is Steall Falls, the second highest waterfall in Great Britain, a popular beauty spot that made an appearance in the adrenaline-pumping dragon chase scene in the Goblet of Fire.

Drive 40 minutes further and drivers will find the most iconic Harry Potter filming location in Scotland: Glenfinnan Viaduct. Potterheads will certainly recognise this stunning railway viaduct from the Chamber of Secrets’ unforgettable flying car sequence.

The penultimate stop on the road trip route is Loch Morar, which eagle-eyed fans will immediately recognise as Hogwarts Lake from the Prisoner of Azkaban. Then, a long drive across the Scottish Highlands will reveal the very last filming location on the map: Black Rock Gorge. This stoic cavern featured in the Goblet of Fire, taking centre stage during the Triwizard Tournament.

A Macklin Motors spokesperson commented: ““Whether for a bank holiday weekend or a week in the Summer holidays, finding the perfect holiday destination for the entire family is always a tricky task.

“With our Harry Potter road trip, we want to provide the best of both worlds for kids and parents alike, touring beautiful Highland hotspots with a magical twist. Plus, at just under eight hours in total, drivers can complete this road trip in a day or take their time with it throughout their holiday in Scotland.

“So, pack the car with snacks, ready your family’s favourite playlist, and set off on a bewitching adventure around Scotland’s stunning scenery.”

For more filming location road trips around Scotland and to find the Google Maps route for this road trip, visit the Macklin Motors blog.

Calls to do more to support young drivers as learner costs hit £2.5K

Learners are now paying 215% more for driving lessons than they did thirty years ago, with more young people being excluded from getting behind the wheel due to financial pressures.*

Now car insurance experts at Quotezone.co.uk are calling for more regulation for the cost of learning to drive. 

This comes after many simply cannot afford the expense as young people are estimated to pay over £2500 to get their licence.

Credit – Shutterstock

Quotezone.co.uk has researched the average amount of money a learner today will end up paying from start to finish.

Before even getting behind the wheel, learners in the UK must apply for a provisional driving licence, costing them £34 to apply online or £43 by post.

Next, the biggest expense, is finding a driving instructor suitable and getting enough practice in to take the test.

The Government’s ‘Ready to Pass’ campaign claims that the average learner will take 45 hours of lessons with their instructor plus 22 hours of private practice.**

Taking into account that the average 1 hour lesson costs £30, learners are expected to fork out £1,350 to pay instructors.***

Paying to actually take the driving test is another expense learners cannot avoid – pupils must pass both the theory test (£23) and the practical test (£62 for weekday tests rising to £75 on the weekend).****

Additional fees at the test-taking stage include paid-for apps to practise theory test questions, and many driving instructors will also require payment for learners to use the car when taking their test.

Overall, learners are now paying £2707 to learn to drive, not including the cost of more driving lessons and more tests if they are unsuccessful after the first try. 

Every year around 1.6 million nervous Brits buckle up to sit their practical driving test, and the pass rate as a whole falls just shy of 50% – dropping to 46% on average for female drivers.

Comparatively, reports show that learners in the 1980s and 90s paid an average of just £10 an hour – meaning lessons alone are costing pupils today £900 more.

Greg Wilson, Founder and CEO of Quotezone.co.uk said: “Learning to drive is a rite of passage and the worry is young people aren’t getting the option to learn, as the rising costs are making it unaffordable.

“More regulation on the cost of driving lessons and other mandatory fees would help young people get out on the roads and also help ensure they don’t cut corners.

“Having a more affordable pathway to learn to drive will also encourage pupils to take their time before booking a test and in turn help reduce the growing driving test backlog seen across the country.”

Learners also have to tax and insure the vehicle and indeed the vehicle cost itself if they don’t have access to a family car, it’s beginning to make driving unattainable for young drivers.

As a price comparison site, Quotezone.co.uk is designed to help young drivers find competitive costs by comparing products and exploring alternative options such as black box or telematics products.

For all types of competitive car insurance including temporary learner drivers and provisional drivers insurance, Quotezone.co.uk can help. 

Driving Essentials for LearnersEstimated Cost
Provisional driving licence £34 to apply online (or £43 by post)
Driving lessons £1,350 (£30 per hour x 45 hours)
Driving theory test £23
Driving practical test £62 for weekday tests (rising to £75 on the weekend)
Revision materials Revision app £5
Instructors car for the test £60 (£30 per hour x 2 at lesson fee rate)
Vehicle Tax £145 (although tbc on vehicle specifics)
Average Insurance Estimate17-24 year olds £1028 (tbc on driver/vehicle specifics)
Estimated Total £2707

Not including the cost of the vehicle itself, assuming most learners have access to a family vehicle initially

*https://www.nationwidevehiclecontracts.co.uk/car-leasing/young-drivers/guides/uk-driving-test-report

**https://readytopass.campaign.gov.uk/helping-learner-driver/

***https://www.gov.uk/apply-first-provisional-driving-licence

****https://www.gov.uk/driving-test-cost

The UK’s EV-friendly superhero road trip

Half-term is here and if you’re looking for something to do to keep the kids entertained, Goodbye Car has created a superhero-themed road trip, that’s also EV-friendly! 

Regardless of whether you’re a Marvel or DC fan, our next road trip takes you through some of the most recognisable filming locations from your favourite superhero movies.

It’s around 449 miles long and will take you just over 10 hours in total (assuming you’re not taking the Batmobile!)

1. St Abbs, Scotland

Movie: Avengers: Endgame | Scene: New Asgard | Address: Eyemouth, TD14 5PL

First up is St Abbs, a sleepy fishing village in Scotland which you might not initially associate with the Avengers! The village was used as the backdrop for New Asgard, Thor’s Home in Tønsberg. Make sure to take a selfie at the village sign, which reads ‘St Abbs twinned with New Asgard’ in a special nod to the movie.

2. Durham Cathedral, England

Movie: Avengers: Endgame | Scene: Old Asgard | Address: Durham, DH1 3EH

If we started at New Asgard, it only seems logical that we also visit Old Asgard on our superhero road trip. Durham Cathedral in North East England played host to some of the Asgard scenes in the Avengers: Endgame movie, notably the scene when Rocket slaps Thor out of his panic attack.

3. Dale Street, Manchester, England

Movie: Captain America: The First Avenger | Scene: Heinz Kruger crash | Address: Manchester’s Northern Quarter

Manchester’s Northern Quarter was chosen as the backdrop for the car crash scene with Heinz Kruger during Captain America: The First Avenger. The scene was filmed on Dale Street specifically, which was also where they shot the secret lab found inside the Brooklyn Antiques Shop. 

4. Wollaton Hall & Deer Park, Nottingham, England

Movie: The Dark Knight Rises | Scene: Wayne Manor | Address: Nottinghamshire, NG8 2AE

Leaving Marvel for a second, the next stop on our road trip is Wollaton Hall & Deer Park in Nottingham, although it’s perhaps better known as Wayne Manor in The Dark Knight Rises. The hall and grounds feature throughout the movie.

The hall isn’t Nottinghamshire’s only connection to Batman though. It’s believed the 13th Century village of Gotham inspired DC Comics. 

5. Millennium Footbridge, London, England

Movie: Guardians of the Galaxy | Scene: Alien City bridge | Address: Thames Embankment, London

Despite its futuristic aesthetic, some of the locations featured in Guardians of the Galaxy are actually inspired by London landmarks. The Alien City skyline features a bridge that’s akin to the Millennium Footbridge, while the space-age-looking Lloyd’s Building is also included. 

6. Piccadilly Circus, London, England

Movie: Wonder Woman 1984 | Scene: Max Lord broadcast | Address: W1B 5DQ

The final stop on our superhero road trip takes you to Piccadilly Circus in the heart of central London. Fans of Wonder Woman 1984 will recognise this location from the movie when Max Lord’s global broadcast reached the city. Thankfully, Wonder Woman was on hand with her Lasso of Truth to interfere with Max’s message. 

🔋 🚗  Recommended EV charging stops

 Miles BetweenCharging RemainingAddress
Stop 1150 miles25% Back Lane Car Park, YO51 9PQ
Stop 2 119 miles21%Morrisons Catcliffe, S60 5TR
Stop 3117 miles22%Lidl Milton Keynes, MK10 7AP
Destination4 miles52%Glasshouse St, London, W1B 5DQ

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You can view the full guide and research via GoodBye Car’s blog.