Prosecution regulations tightened on the use of hand-held mobile phones at the wheel
government strengthening existing laws making it illegal to use a hand-held mobile phone while driving under virtually any circumstance
follows public consultation which found that 81% of people supported such a move
highway code will change making it clear that hand-held phone use at traffic lights or in traffic jams is illegal
Police will soon be able to more easily prosecute drivers using a hand-held mobile phone at the wheel after the government strengthens existing laws to further improve road safety.
It is already illegal to text or make a phone call (other than in an emergency) using a hand-held device while driving. Next year, laws will go further to ban drivers from using their phones to take photos or videos, scroll through playlists or play games.
This will mean anyone caught using their hand-held device while driving will face a £200 fixed penalty notice and 6 points on their licence.
Drivers will still be able to continue using a device ‘hands-free’ while driving, such as a sat-nav, if it’s secured in a cradle. They must, however, always take responsibility for their driving and can be charged with an offence if the police find them not to be in proper control of their vehicle.
Transport Secretary Grant Shapps said: “Too many deaths and injuries occur while mobile phones are being held.
“By making it easier to prosecute people illegally using their phone at the wheel, we are ensuring the law is brought into the 21st century while further protecting all road users.
“While our roads remain among the safest in the world, we will continue working tirelessly to make them safer, including through our award-winning THINK! campaign, which challenges social norms among high-risk drivers.”
This follows a public consultation that found 81% of respondents supported proposals to strengthen the law and make it easier for culprits to be prosecuted.
Following the public consultation, the government will revise The Highway Code to explain the new measures. It will also be more precise about the fact that being stationary in traffic counts as driving, making it clear that hand-held mobile phone use at traffic lights or in motorway jams is illegal except in very limited circumstances.
There will be an exemption to the new law for drivers making a contactless payment using their mobile phone while stationary to ensure the law keeps pace with technology.
This exemption will cover, for example, places like a drive-through restaurant or a road toll, and will only apply when payment is being made with a card reader. It will not allow motorists to make general online payments while driving.
Mary Williams OBE, Chief Executive of Brake – the road safety charity, said: “Driver distraction can be deadly and using a hand-held phone at the wheel is never worth the risk. This important road safety decision by government, coinciding with Road Safety Week, is very welcomed.
“This news is particularly welcomed by families suffering bereavement and catastrophic injury due to drivers being distracted by phones. The theme for Road Safety Week is road safety heroes – we can all be road safety heroes by giving driving our full attention.”
Among other findings, the research reveals younger motorists are more likely to have used a handheld device at the wheel, supporting the focus of the government’s award-winning THINK! campaign, which works to boost road safety by targeting higher-risk, younger motorists and road-users.
Both petrol and diesel now 30p a litre more expensive than a year ago, adding £16.50 to a fill-up
Diesel rose by nearly 8p in October to reach a new record price – its second highest monthly rise in 21 years
The average prices of both petrol and diesel hit new record highs in October after rising by nearly 7.5p and 8p respectively – with the price of unleaded rising faster than in any month since 2000, RAC Fuel Watch data* shows.
On Sunday 24 October petrol exceeded the 142.48p a litre all-time peak set on 16 April 2012 by reaching 142.94p. Since then the price has continued to rise, finishing the month at 144.35p and up from 136.92p at the start. Diesel also surpassed its record price of 12 April 2012 (147.93p) on the last day of the month with a new high of 147.94p, up from 139.78p on 1 October.
The October hike in the price of unleaded is the largest since 2000 at 7.43p while diesel’s 8.16p increase is second only to the 8.43p jump seen in May 2008. This has added a huge £4 to the cost of filling up a 55-litre family petrol car (£79.39) and £4.50 for a diesel (£81.37) compared to the start of October. The previous biggest petrol price rise in a single month was in May 2018 when a litre went up 6p to 129.41p.
Both petrol and diesel are now 30p a litre – 26% – more expensive than a year (petrol –114.46p on 29 October 2020 to 144.35p now; and diesel – 117.82p to 147.94p now). This means it costs £16.50 more to fill up a family car with either fuel than it did at the end of October 2020.
Oil rose by nearly $5 a barrel (6%) from $78.62 to $83.47 last month, although on 25 October it peaked at $86.16. This caused the wholesale price of a litre of unleaded to go up by 5p and diesel by 4.5p which is in stark contrast to the 7.5p and 8p forecourt rises.
The RAC Fuel Watch data shows the enormous retail price jumps appear to have been driven by the big four supermarkets which upped the price of unleaded by more than 9p a litre and diesel by more than 10p to averages of 142.18p and 145.28p respectively.
Asda had the cheapest petrol at 140.98p, only slightly lower than Sainsbury’s at 141.68p. Sainsbury’s, however, offered the lowest price diesel at 144.37p, just slightly less than Asda which charged 144.57p at the end of October.
The average price of motorway petrol was 158.43p on 31 October, with a record price set the day before at 158.56p. Diesel closed October at a new all-time high of 163.08p.
RAC fuel spokesman Simon Williams said: “October 2021 set records for all the wrong reasons and was a horrible month for drivers with both petrol and diesel prices hitting new heights. The increases of almost 7.5p being added to a litre of unleaded and more than 8p going on to diesel are some of the highest we’ve seen in the 21 years we’ve been tracking fuel prices.
“Sadly, since passing the old record from 2012 the price of petrol has continued to climb and closed October at an eye-watering average of 144.35p. With a fill-up costing £16.50 more than a year ago, the impact is definitely being felt in homes up and down the country. It’s also bound to have a negative effect on the economy.
“There is, however, a glimmer of hope that the oil price may have peaked for the time being, but much will of course depend on whether more supply is released when oil producer group OPEC+ next meets on Thursday.
“Regardless of this, the profit margin retailers are taking on each litre of petrol is greater now than it used to be prior to the pandemic, which is artificially making forecourt prices higher, particularly as VAT is charged on top. We urge the biggest retailers, in particular, to play fair with drivers and ease the burden at the pumps by lowering their margins on petrol from around 8p a litre to more normal levels.
“This month’s RAC Fuel Watch data also reveals the extent of the fuel price ‘postcode lottery’, with petrol prices in Northern Ireland being nearly 3p a litre cheaper than the South East of England where prices are higher than anywhere else.
“While Northern Ireland has the cheapest petrol and diesel in the UK, drivers there still saw an 8p a litre leap in the price of unleaded. A litre of diesel in Northern Ireland is 144.36p – the same as the average price of petrol across the UK. In the North East diesel rocketed by a frightening 9p a litre to 147.22p.”
Car insurance premiums for young drivers aged 17 to 29 are falling, according to new figures from Quotezone.co.uk.
The car insurance comparison website recorded the largest decrease for the 17-21 age group with a drop of 14% in average premiums from 2020 to 2021 – from an average of £1,173 to £1,008 this year.
Quotezone.co.uk found that drivers aged 22-25 were now paying an average of 6% less for their cover – falling from £833 in 2020 to £783 this year.
The firm says its research, based on a sample of over 50,000 car insurance policies, shows that 17 to 21 year olds still pay an average of 38% more than other young drivers, and that new drivers across the 17 to 29 age group pay on average 53% more than experienced motorists.
Quotezone.co.uk’s research reveals that newly qualified motorists can expect to see their car insurance premiums drop by an average of 29% after they’ve been driving for two years with no insurance claims.
The insurance specialists say that there was a 12.6% fall in new younger drivers in 2020, and for motorists aged from 17-21 the drop was 42%.
Quotezone.co.uk’s Founder Greg Wilson comments: “Young drivers, particularly those aged 17 to 21, have had a tough year with driving lessons and testing on hold, and now delayed.
“We expect the volume of young drivers to surge, once the queue for testing settles down, as people have had more time at home practicing their driving skills with friends and family.
“In terms of car insurance costs, it’s welcome news that premiums for this age range have fallen – it can often be expensive given their inexperience. Average premiums start to fall by nearly a third as drivers gain more time behind the wheel – especially if they have two years driving safely with no claims made.
“There are things brand new drivers can do to help them find the most competitive quotes though, such as choosing a car with a smaller engine, avoiding modifications, parking in a garage or on a private driveway, and opting for a telematics product which allows them to showcase their safe driving right from the get-go.
“Drivers can compare all these options on our comparison site, so they can see which providers are offering the best extras and the lowest cost.”
It helps around 3 million users every year find better deals on their insurance, with over 400 insurance brands across 60 different products and is recommended by 97% of reviewers on Reviews.co.uk.
October is Tyre Safety Month, the annual reminder to make sure vehicles’ wheels are roadworthy.
Motorists using illegal, defective or under-inflated tyres can lead to serious outcomes and in 2019 contributed to 5 fatal collisions and 136 serious collisions according to figures from the Department for Transport.
Motoring charity TyreSafe, the driving force behind the initiative, highlighted the extent of the issue in 2016, commissioning research that revealed over 27% of the 340,000 tyres analysed were illegal due to inadequate tread.
Many police forces across the country support Tyre Safety Month and will be eagle-eyed when it comes to tyre inspections on routine checks.
Car insurance comparison experts Quotezone.co.uk are warning motorists could face another issue – both large fines and hikes to their insurance premiums if they drive with defective tyres.
Motorists can be fined up to £2,500 for each faulty tyre and receive three points on their driving licence. If the police see another tyre falling short of the law, it doubles to £5,000 and 6 points. Four faulty tyres could even see the maximum 12 points – resulting in the loss of a driving licence.
Commercial vehicle drivers, where the car or van is owned by their employer – could land firms with penalties of up to £20,000.
The legal minimum tread depth for cars in the UK is 1.6mm. These grooves help to remove water from the contact patch between your tyres and the road surface meaning the car can brake, steer and accelerate properly.
Greg Wilson, Founder of car insurance comparison website Quotezone.co.uk, comments: “While the complexity of insurance premium calculations makes it impossible to put a pounds-and-pence figure on it, on average three penalty points could result in a 5% jump in a driver’s car insurance premium, while six penalty points could see the cost of their insurance rise by a painful 25%.
“Also bear in mind that most driving convictions must be declared to insurance providers for five years – even if the penalty points are removed from your licence after four, so motorists with points on their licence could be hit year after year until they’re spent.
“With many cars being parked at home over the past year due to various lockdowns and people working from home, it’s possible tyres might be in better condition than normal, with fewer miles potentially resulting in less wear and tear. However, it is still crucial that drivers do proper checks before travelling – long periods without driving can cause its own problems such as issues with the battery.”
Quotezone.co.uk has created a Winter Driving Checklist, to help motorists prepare for travelling in the darker and colder weather:
Check that windscreen washers are working and topped up with water – the bottle may need emptied out if the car hasn’t been used, to unclog blockages from debris
Check the battery by going for a short trip close to home first
Check tyre pressure and that each tyre has more than 1.6mm of tread i.e. can hold a 20p in place
Check tyres for lumps, bumps or cuts and remove any stones and debris
Check oil levels
Check you have a breakdown kit – jump leads, safety triangle, torch with extra batteries, empty fuel can
Check you have a winter emergency kit – blanket, bottle of water, phone charger, first aid kit, de-icer
Check if your car insurance policy includes breakdown assistance and home start, and consider signing up for standalone breakdown cover if it isn’t included
If the car is electric, make sure you have a full charge before setting off – winter roads can lead to unexpected deters and delays. Ideally, keep a portable battery booster in the boot in case you need an emergency recharge somewhere unexpected.
Quotezone.co.uk is a pioneer of comparison technology and one of the leading car insurance comparison sites in the UK, with over 110 car insurance providers to choose from, helping 3 million people find better deals on their insurance each year.
Op Tutelage – a national policing initiative where drivers who appear to have no motor insurance are sent advisory letters – has encouraged over 150,000 motorists across the UK to drive insured since being introduced in January 2020.
In Scotland nearly 6,600 advisory letters have been issued. Police Scotland comments.
The initiative uses a nudge approach to positively influence decision making. Around 3 in 4 recipients have been successfully encouraged to make sure their vehicle becomes insured.
Op Tutelage helps roads policing focus resources on the remaining dangerous drivers who intentionally drive without insurance – making roads safer and fairer for all.
Op Tutelage – a national policing initiative where police forces issue advisory letters to drivers that appear to have no motor insurance – has encouraged over 150,000 motorists across the UK to drive insured.
The initiative which is led by the NPCC’s National Roads Policing Operations, Intelligence and Investigation (NRPOII) and supported by the Motor Insurers’ Bureau (MIB), was introduced in January 2020 to help reduce uninsured driving levels across the UK.
By using MIB’s Motor Insurance Database (MID) – a central record of all active motor insurance policies in the UK – police forces can quickly identify any vehicle that appears not to have insurance and send the registered keeper an advisory letter.
Results have been highly successful with 151,464 drivers correcting their insurance status to date following over 215,000 advisory letters issued thus far, which equates to around 3 in 4 people.
In Scotland alone 6,594 advisory letters have been issued so far.
Op Tutelage’s advisory letters were developed alongside Dr Helen Wells, a criminologist and roads policing expert from Keele University and Director of the Roads Policing Academic Network. By drawing on research into the use of nudges, behaviour change approaches and the concept of procedural justice, the letters encourage motorists to take corrective action and drive insured.
There are a range of reasons why someone’s vehicle might show as uninsured on the MID. Causes stem from the unintentional such as drivers not realising their policy has expired or admin errors, all the way through to those willing to break the law by intentionally driving without insurance.
By sending out advisory letters, police forces want to give a chance to those who may have not realised their vehicle was uninsured to correct this before heading out on the road. Roads policing officers are then more likely to stop motorists who intentionally drive without insurance, who are linked to a higher rate of collisions and additional road traffic offences.
With all the UK’s 45 police forces having now signed up to Op Tutelage, the results have continued to grow per month. August alone saw more than 10,000 drivers nationally go from uninsured to insured.
Chief Superintendent Louise Blakelock, Head of Road Policing at Police Scotland, said: “Op Tutelage is an effective way of reducing the number of uninsured vehicles on our roads. There are a number of reasons why a vehicle may show on the Motor Insurance Database as holding no insurance and Op Tutelage provides an opportunity for registered keepers to take action as necessary.
“Police Scotland is committed to keeping the roads safe and this operation allows our officers to take action against those who deliberately break the law and put other road users in danger.”
Ben Fletcher, Chief Customer Officer at MIB, said: “Op Tutelage is delivering outstanding results. By utilising MID data and behavioural change approaches, we can encourage most drivers who are not correctly insured to positively act.
“This means roads policing can focus more of their resources on the minority of motorists who deliberately break the law and put road users at greater risk.
“With traffic returning to pre-pandemic levels the last thing anyone needs is to be impacted by uninsured motorists. I’m very pleased to say that Op Tutelage is helping to make roads safer and fairer for everyone. I look forward to seeing the great results of MIB’s partnership with NRPOII as we continue to drive down uninsured driving levels.”
Dr Helen Wells, Criminologist at Keele University and Director of the Roads Policing Academic Network, said: “Some people who drive without insurance do so by mistake, but others do it on purpose, and Op Tutelage helps the police focus their resources on those drivers that really need taking off the road.
Feedback shows that the public think this is a fair and legitimate way to police the roads and that the police value the extra intelligence it gives them.”
Alongside Op Tutelage, MIB works with police on a range of initiatives to tackle uninsured driving.
Roads police can access the MID to check if a vehicle appears to be uninsured. If disputed by the driver, the officer can contact MIB’s Police Helpline whose Agents liaise with insurers in real-time to confirm if valid insurance exists.
Driving without insurance can result in a £300 fixed penalty notice, six licence points and the driver’s vehicle can be seized and crushed. In addition, uninsured drivers can face court where they could receive an unlimited fine and a driving ban.
Over 148,000 vehicles were seized for no insurance across the UK in 2020, at a rate of one every four minutes.
MIB is encouraging motorists to check that their vehicle is showing as insured on the MID which can be done for free at www.askMID.co.uk
Older consumers, those on low incomes and rural households will need more support to switch to electric vehicles due to concerns about affordability, range and the UK’s charging infrastructure, new Which? research has found.
Electric car ownership has soared in the last few years and, with the government’s ban on the sale of new diesel and petrol vehicles looming, motorists are being encouraged to consider switching. However, Which? found there are stark contrasts between different groups of consumers and how they view the transition to electric vehicles.
The mass adoption of electric vehicles is a critical aspect of the government’s net-zero strategy and will benefit consumers who want to lead more sustainable lives, while also potentially reducing their motoring costs.
A new Which? survey found that while two in five people (44%) are comfortable switching to electric vehicles, almost half (49%) are not. The consumer champion found seven in 10 (71%) 18-24-year-olds are comfortable switching to electric vehicles and around half (56%) of those aged between 18 and 39 said they intended to buy one in the future.
However, only a quarter of those aged 65 and above are comfortable switching (26%) or intend to buy an electric vehicle (23%). More than half (52%) of respondents aged 65 and above do not intend to buy an electric vehicle in the future.
Urban dwellers are also more comfortable transitioning to electric vehicles than rural residents, with almost half (47%) of those living in urban areas open to switching and two-fifths (42%) planning to buy one. However, only a third of those living in rural areas felt comfortable switching (34%) or intend to buy an electric vehicle (36%).
Electric cars are currently more expensive to buy compared to petrol or diesel vehicles – a possible contributing factor to lower enthusiasm levels for switching among lower-income households.
The consumer champion found just a third of households (32%) on lower incomes (£21,000 and below) intend to make their next car an electric vehicle and two-fifths (41%) said they have no intention of buying one. This compares to more than half (57%) in more affluent households (more than £48,000) saying they would buy an electric car in the future and only a fifth (21%) saying they had no intention of buying one.
While the upfront cost of an electric car is one reason many people are reluctant to switch, the most common is related to perceptions about inferior performance. Two in five (44%) said concerns about battery range put them off switching to an electric vehicle, while a third (34%) cited the upfront cost.
The UK’s charging infrastructure is also a concern for motorists, with a third (33%) stating they are put off buying an electric car as they are worried about accessing charge points away from home or on long journeys.
In a market study published earlier this year, the Competition and Markets Authority suggested there needs to be a tenfold increase in the number of charge points across the UK by 2030 and that more needs to be done to address the “postcode lottery” of finding a charge point.
The UK government and Ofgem, the energy regulator, have pledged to invest millions of pounds to expand Britain’s public charging network. While Which? supports this move, it also believes the current infrastructure is difficult to navigate, disjointed and must be overhauled to ensure motorists have easy and convenient access to the charge points they need, wherever they live in the UK.
Sue Davies, Which? Head of Consumer Rights and Food Policy, said:“The mass adoption of electric vehicles is a key element of the government’s net-zero strategy, but while some consumers are ready to switch, our research shows older consumers and those from lower-income or rural households are less inclined to embrace the electric car revolution.
“It is vital that action is taken to address significant barriers including concerns about battery range, cost and the UK’s charging infrastructure that could deter motorists from switching to electric vehicles. Consumers also need more support to ensure they can make the decision to buy an electric car.”
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)
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.“
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.
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.”
The IFB is warning new drivers to watch out for a rising scam known as ‘Ghost Broking’ which involves bogus car insurance deals being sold on social media, as it could cost them their first car.
The warning comes as hundreds of thousands of learners get set to pass their driving tests as they catch up from the disruption caused by Covid-19.
The Driver & Vehicle Standards Agency (DVSA) also provides comment.
Statistics and campaign content can be found in the notes to newsroom.
The Insurance Fraud Bureau (IFB) is urging new drivers to watch out for bogus car insurance deals being promoted on social media, as hundreds of thousands of learners* get set to pass their tests following a year of disruption caused by Covid-19.
Fake car insurance sales known as ‘Ghost Broking’ is a growing scam which involves fraudsters pretending to be Insurance Brokers in order to sell unrealistically cheap and completely fake policies, often to younger drivers via Facebook and Instagram.
With a large influx of new drivers on the horizon following confirmation from the Driver & Vehicle Standards Agency (DVSA) that driving test centres face an unprecedented challenge to reduce waiting times left by the pandemic, the IFB is warning new motorists to be vigilant to bogus car insurance deals on social media as it could cost them their first car.
Stephen Dalton, Head of Intelligence and Investigations at the IFB, said: “The last thing new drivers need right now is to risk losing their car for no insurance because they’ve been duped by a scammer on social media.
“Drivers must carry out basic checks to make sure they’re buying car insurance through a trusted provider, or they’ll be making a very expensive mistake.
“I encourage anyone who’s seen evidence of an insurance scam to report it to the IFB’s confidential Cheatline online or on 0800 422 0421.”
Mark Magee, Head of Driver Policy at the DVSA, said: “DVSA’s priority is to help everyone through a lifetime of safe driving.
“As well as ensuring you have the skills, knowledge and understanding attitude to drive safely, having valid insurance is of the utmost importance when you drive on your own.
“Check to make sure insurance brokers are genuine before parting with your money.”
Learner drivers in a driving school are typically covered by their instructor’s insurance policy, until they pass their test and need to take out motor insurance for their first car. With a rush of new drivers approaching and with so many people facing financial hardship, the IFB is concerned it will provide fertile ground for ‘Ghost Broker’ scammers.
Fraudsters often tempt younger people with their bogus car insurance deals by promoting unrealistically cheap prices up front, despite the fact insurance is meant to be priced based on the risk of the individual. They often then encourage contact with them through popular end-to-end encrypted messaging software such as WhatsApp.
The IFB which is a not-for-profit organisation that works with the police to crackdown on organised insurance scams has seen its investigations into ‘Ghost Broking’ double since 2016, and the scam has remained prevalent throughout the pandemic.
IFB investigations have found cash-strapped young drivers forking out hundreds of pounds for car insurance that in reality is worth no more than a photoshopped piece of paper. In some cases scammers also use stolen personal information to take out policies which are then doctored before being sold on to customers.
Driving without valid insurance is easily detected by police. Uninsured drivers can have their vehicle instantly seized and are likely to receive six licence points. They can also face court where they might receive an unlimited fine and a driving ban. Furthermore, an uninsured driving conviction will show on records and can affect job prospects.
If a collision is caused by the uninsured driver they may also be liable for covering the costs which can run into the thousands.
Avoiding fake car insurance deals
New drivers are urged to avoid deals on social media or messaging apps and to only purchase car insurance through reputable sellers.
Drivers willing to add more than a half marathon distance to their journey to avoid narrow roads
1 in 10 drivers has had an argument over who should reverse back to a passing place on a narrow country road
Three-in-10 motorists admit to deliberately steering clear of narrow country lanes and are prepared to take a detour of 16 miles or 25 minutes to avoid them, according to new research from one of the UK’s biggest car insurers, Ageas, and the RAC.
As millions of Brits jump into their cars and head off on staycations in the countryside this summer, the figures highlight just how unnerved many drivers – especially those who live in towns and cities – are by Britain’s rural roads, which account for more than half of all those in the country.
More than half of drivers (58%) say they find using narrow country roads stressful, a figure that rises to 76% for drivers who live in urban areas. The two biggest causes of stress, according to the research, are the difficulty of squeezing past other vehicles in tight spaces (62%) and the fear of colliding with another vehicle head on (61%).
But the etiquette of who moves out of the way is also high on drivers’ list of concerns about these types of roads. Having to try to reverse back to find a passing place (45%), the fear of meeting a tractor and not being able to pass (44%) and deciding who succumbs to back up to a passing place (37%) make up drivers’ top five stress factors.
More than a third (36%) meanwhile say they think the default 60mph limit on country roads is just too fast to begin with, while 35% say they fear damaging their car.
The research suggests that some motorists are more vocal than others when it comes to deciding who has to reverse, with one-in-10 drivers admitting they’ve had an argument with another driver over who should go back when driving on a narrow country road.
But it is the detours that drivers are prepared to go to avoid the stress of rural lanes which is perhaps most surprising. On average, people are prepared to add 16 miles – more than a half marathon – to their journey if it means they can avoid driving down this type of road. They’d also be willing to add another 25 minutes to their drive – enough time to watch a whole episode of Eastenders.
City-dwellers are also much more concerned about narrow country lanes and go to longer distances to escape them. Three-quarters (76%) of these drivers say they find them stressful, of which 27% say they will always stick to wider main roads instead. What’s more, these drivers say they’d be willing to add 23 miles or 30 minutes to their journey to avoid them, 14 miles and 10 minutes more than their rural counterparts.
Robin Challand, claims director at Ageas Insurance, said: “We understand that getting to your holiday destination can be stressful at the best of times. Between packing, long car journeys and hot weather, there’s a lot to get flustered about.
“Our research shows the type of roads we drive on can also be a cause of stress, with crashes and scrapes high on the list of people’s concerns, so we’re urging people to stay calm and – most importantly – stay safe this summer.
“Negotiating narrow rural lanes can be tricky, even for the most seasoned of drivers, but by following some simple tips and staying calm, you can avoid adding a damaged car to your list of things to get stressed about this summer.”
RAC Breakdown spokesman Simon Williams said: “With unprecedented numbers of drivers on the UK’s roads this summer, more and more people will find themselves squeezing down narrow country lanes to reach beaches and popular countryside spots – and these figures show just how uncomfortable many drivers are using doing this, especially those who are used to wider city roads with much better visibility.
“For any driver less confident with tackling rural lanes the message has to be to plan a journey properly before setting out, and drive at the right speed according to the nature of the road, even if the official limit is 60mph. We’d also advise not becoming too reliant on a car’s sat-nav – while ducking off a main road to shave off a few minutes might seem like a good idea, if you’re then faced with having to carefully negotiate a tractor and queue of vehicles coming the other way, any advantage is soon lost.”
The RAC offers three simple tips to help drivers negotiate rural roads safely and more stress-free this summer:
Check your route carefully – if using a sat-nav, scrutinise the suggested route before setting out and see whether it’s actually easier and more comfortable to stick to main roads as far as possible instead. And be aware of sat-navs recommending diversions down narrow lanes for the sake of making up just a few minutes – it’s time that’s easily lost if you meet oncoming traffic. Don’t be afraid to take the long way round – perhaps an extra 16 miles or 25 minutes is well worth it
Get in some practice – if you’re not used to negotiating narrow roads, then have some practice driving on some close to home before the pressure of a family holiday
Take your time – while many country roads might have speed limits of 60mph, that doesn’t mean it’s the right speed to drive at – in fact, in many cases it’s incredibly unsafe to do so. Read the road carefully and consider what forward visibility you have. If it’s narrow and winding, reduce your speed accordingly
Separate RAC research suggests this summer will see very high levels of traffic on UK roads, with drivers planning in excess of 29m staycations – 16m of these in the school holidays alone.
