You may already be in planning mode for the Queen’s Platinum Jubilee, but have you considered insuring your street party?
Between the 2nd and 5th of June, it’s estimated that there will be 10 million Britons hosting street parties organised across the UK, according to Country Living.
It’s no surprise to see how huge an occasion this is! Not only is this a great celebration of the Queen’s 70-year reign, but it’s also a welcome opportunity to reconnect with our community after COVID. We could all do with some good news after all.
There are so many things to think about when it comes to party-planning, and no more so than when it involves an entire street or community.
A-Plan Insurance have revealed their top tips to throw a Jubilee Street Party:
Planning a Jubilee Street Party?
The official Big Jubilee Lunch is planned for Sunday 5th June. Here are some helpful pointers to help you decide on whether to plan a street party:
1. What type of Jubilee Party do you want to hold?
If you are planning a Street Party, you will need to contact your local council. You can do this here or simply give your Council a call if it isn’t listed on their website.
If you don’t need to close the road, you can run a ‘Street Meet’ – if you live in a cul de sac, councils are generally happy for this to go ahead without permission. Otherwise, use driveways, parking areas and front gardens – none of these will require council permission. Ensure you don’t obstruct pavements.
Another option is a ‘Neighbour’s Picnic’, which can be held in the local park, the only caveat is that you cannot have music or a barbecue, but it may work well for sandwiches and cake!
2. Get your community involved from the start
Get your neighbours involved – and make sure everyone meets to discuss the Big Day beforehand.
Ask everyone to bring a dish and drink, and don’t forget to include vegetarian/vegan type options.
Consider whether you will buy plastic cutlery, or reduce waste and encourage neighbours to bring their own cutlery.
Consider classic British recipes, such as Scotch Eggs, sausage rolls, Bakewell Tart and Victoria Sponge cake.
If you are using private land, you could consider a barbecue.
If you need crockery, consider buying some mismatched plates from a charity shop, they appear much more authentic, cause less waste and the charity will benefit from your purchase. You could even clean them up and return them for resale.
To keep decoration costs down, get the local children involved in creating bunting, paper waving flags on (paper) straws, and paper chains.
Consider setting up a Spotify playlist and sharing the link with your neighbour’s who can add their music to it as well. Add a few of the Queen’s favourites, such as ‘The White Cliffs of Dover’ by Vera Lynn, and ‘Leaning on a Lamp-post’ by George Formby.
And remind everyone to bring their favourite mug for a cup of tea!
3. Do I need Jubilee Street Party Insurance?
As a Platinum Jubilee Street Party is a one-off event, you won’t need a risk assessment or licence for the consumption of alcohol. That doesn’t mean that there is no risk.
We would encourage anyone organizing a Jubilee party to have street party insurance cover in place. The main risks are:
Burns from barbecues
Food and drink
Trips and falls
Damage to vehicles
Breakages
Some councils will require proof of insurance, while others won’t.
A spokesperson for A-Plan Insurance stated: “The Queen’s Jubilee is to celebrate her 70 years of service. Her Majesty The Queen is extremely well respected by many and is well-loved for her oath to duty, love of the people and even her sense of humour.
“Millions of people want to celebrate this milestone with her and we want to ensure that people are aware of the guidelines before throwing their party.
“To reiterate, as a Platinum Jubilee Street Party is a one-off event, you won’t need a risk assessment or licence for the consumption of alcohol. That doesn’t mean that there is no risk.
“We would encourage anyone organizing a Jubilee party to have street party insurance cover in place. We look forward to this huge, worldwide celebration.”
Male motorists are clocking-up more than twice as many penalty points as their female counterparts, according to new data from the Department for Transport (DfT).
Male drivers racking up three penalty points on their licences currently total 1,343,700, compared to 606,700 for female drivers, as of the 5 February this year.
The number of male drivers with six points is 395,000, whereas with female motorists the figure is 120,600.
Greg Wilson, Founder of Quotezone.co.uk, a leading insurance comparison website, comments: “The data suggests that women are the more cautious drivers – racking up less penalty points. However, the differences are stark to say the least and concerning.”
Greg Wilson warns that law breaking motorists will feel the effect: “At a time when all of us are looking to tighten our belts, penalty points can really hit motorists in the pocket. In addition to legal fines that accompany the points, offending motorists’ insurance companies will reassess how they see their risk and in turn premium.
“Three points can raise insurance premiums by 5%, but can rachet up fees by as much as 25% if a motorist has six points on a licence. Remember, penalty points stay on a licence for four years and the corresponding rise in insurance fees may do so as well.”
The data further shows that 1,120 women and 6,100 men have 12 points on their licences, which leads to an automatic ban – called a TT99. If a driver is disqualified from driving under this ‘totting up’ system, they will have had a TT99 conviction code added to their driving record, which means they’ll likely have to pay considerably more for their ‘TT99 insurance’ after the period of disqualification ends.
Greg Wilson continues: “Motorists who can prove exceptional circumstances in court may be allowed to continue driving, but the courts are far from pushovers and the judge has the power to award the maximum fine and determine the length of the ban – over 56 days means the driver has to reapply for the license and maybe even retest.”
Insurance providers are prohibited from using gender as part of their risk analysis calculation, as per The Equality Act established in 2010. They use other factors such as the level of no claims bonus secured, age, postcode, vehicle specifications and of course, number of penalty points incurred, to help determine the most appropriate premium price per customer.
Motorists who want to reduce the effect of penalty points might try the following to keep their premiums as low as possible:
Sign-up to a telematics product recognised by their insurance firm, which allows them to showcase their new safer driving behaviour
There are specialist insurance policies for drivers with penalty points that can help – shop around on comparison websites for specialist driver policies
The cost of car insurance in Scotland has increased by £25 in three months
New data shows car insurance prices are increasing, with drivers in Scotland now paying £419, on average
● Despite prices rising across all areas of Scotland, the average premium is still £22 (5%) cheaper than 12 months ago
● Drivers in Central Scotland pay more than the national average, with motorists in the region paying £465, on average, following the steepest quarterly increase (8%) of all UK regions
● Meanwhile, drivers in other regions of Scotland pay as little as £342, on average, in comparison
● Experts at Confused.com remind drivers that recent FCA changes do not guarantee their renewal price will be their best price available
● Further research shows insurers increased renewal premiums last quarter by £45, on average
The average cost of car insurance in Scotland has increased by £25 in just three months, new data reveals.
This brings the average price of car insurance in Scotland to £419, a 6% increase compared to three months ago. That’s according to the latest car insurance price index (Q4) by Confused.com, powered by WTW. Based on more than six million quotes in a quarter, it’s the most comprehensive car insurance price index in the UK.
While the cost of car insurance in Scotland appears to be increasing, prices are still cheaper than this time last year, having dropped by £22 (5%) in 12 months, with prices across the Scottish regions still significantly cheaper than two years ago.
While the average premium in Scotland stands at £419, the price paid by drivers will vary depending on where they live. In fact, motorists in Central Scotland are paying more than the national average, having seen the steepest increase in premiums in the past three months of all UK regions. An 8% (£33) increase in the region means motorists are now paying £465, on average. Although, this is still £17 (4%) cheaper than prices 12 months ago.
Meanwhile, drivers in other Scottish regions are paying out between £342 and £378, on average, with prices now as much as £18 (5%) more expensive than last quarter:
Region
Average premium
Quarterly change
Annual change
Central Scotland
£465
8% / £33
-4% / -£17
East & North East Scotland
£378
5% / £16
-6% / -£26
Highlands & Islands
£377
5% / £18
-6% / -£25
Scottish Borders
£342
4% / £15
-9% / -£32
This increase in prices over the past quarter is reflected across the rest of the UK, where prices have risen by £25 (5%) in three months. This brings the average cost of car insurance in the UK to £539 – a £36 (6%) drop compared to 12 months ago.
While these price increases may come as bad news to drivers, Confused.com experts have been predicting this U-turn for some time. A significant drop in the number of cars on the road throughout the coronavirus pandemic, and a subsequent fall in the number of claims being made led to a sharp drop in premiums with prices reaching a six-year low just last quarter.
However, prior to this, prices were steadily starting to increase as claims pay outs were becoming more and more expensive for insurers, as the pandemic and ongoing delays caused by Brexit meant that repairs and replacements were not only more expensive but taking longer to complete. And this was reflected in the prices being offered to customers.
Now, as drivers spend more time on the road, and the number and overall cost of claims being made are increasing, as predicted, the cost of car insurance is increasing to reflect this and could soon return to pre-pandemic levels.
In fact, if the average price for the UK continues on the current trajectory, increasing by around 5% each quarter, the average cost of insurance in three months could be more expensive than it was 12 months ago. Based on this trend, UK drivers could be paying as much as £566 next quarter, compared to £538 in Q1 2021, on average.
In light of the recent insurance pricing changes enforced by the Financial Conduct Authority (FCA), Louise O’Shea, CEO at Confused.com, reminds drivers that these increases could mean that they may receive a more expensive renewal price in the coming months, despite many incorrectly believing that the changes guarantee a cheaper or flat premium.
Under the new regulations, insurers must offer drivers the same price they would receive as a new customer buying in the same way, banning what was previously known as a new customer discount.
Previously renewing customers may have seen their renewal price rise to offset the cost of new customer discounts. However, the new rules don’t guarantee that drivers will never see their renewal price increase again.
For example, if car insurance costs in the UK are typically 5% more expensive year-on-year, this increase could also be reflected in renewal premiums. In fact, further research by Confused.com found that two in five (42%) drivers who received their renewal last quarter saw their price increase by £45, on average, suggesting insurers could already be increasing renewal premiums in line with the current trend.
This is why it is important for drivers to still take the time to shop around, as the research also shows that almost half (46%) of those who had a higher premium at their last renewal were able to save £64, on average, by switching to another insurer using a price comparison site.
Although, it isn’t just those who are seeing more expensive premiums that are able to make savings, as almost a fifth (18%) of those who had a cheaper renewal went on to shop around and switch, saving £46 on average. However, with Confused.com’s Beat Your Renewal guarantee, these savings could be seen by millions of other customers.
However, there is some good news for drivers, as prices of new policies are still cheaper year-on-year, on average, which means those shopping around and switching insurers could still save money. And under the new FCA rules, insurers must make it easier for customers to cancel the automatic renewal of their policies, something which one in five (20%) consider to be stressful.
Despite being able to save when shopping around, some drivers are still paying more than others, and typically it’s male motorists who are forking out the most when it comes to their car insurance.
Given the fact that drivers in Central Scotland are paying significantly more than those in other Scottish regions, it’s no surprise that both male and female drivers have the highest car insurance costs.
Broken down, male drivers in Central Scotland are now paying £486, on average, following a £33 (7%) increase in the past three months, while female drivers are paying £429, which is £31 (8%) more than three months ago.
East and North East Scotland follows as the second most expensive region for male drivers, with the average premium here now £400. This is £59 more than the prices that female drivers in the region are paying (£341).
Similarly, much like the rest of the UK, younger drivers across all four regions are forking out the most for their car insurance, with 17-to-20-year-old male drivers in Central Scotland paying an eye-watering £1,343, on average. Female drivers of the same age and location pay just £1,041 in comparison.
However, it’s male drivers in their early 20s in both the Scottish Highlands and Islands and Central Scotland who have been stung by the steepest increases this quarter, as the average premium rises by 13% and 12%, respectively.
This equates to increases of £102 and £106, putting the average price paid at £874 and £995, respectively. These drivers are also among the few that have seen their premium increase over the past year, as prices increase by £30 (4%) for 21-to-25 year old male drivers in the Highlands and Islands, and by £13 (1%) for those in Central Scotland.
Looking to the towns and cities in Scotland, the price paid varies depending on where a driver lives. Of all postcode areas in Scotland, Glasgow is revealed to be the most expensive, with motorists forking out £525, on average – a significant amount more than the regional average. This is a £47 (10%) increase compared to three months ago, making the average premium just £4 ( 1%) cheaper than last year’s price.
In the Scottish Highlands and Islands, it’s motorists in Shetland that are paying out the most, with average prices in the area now £490, while drivers in Dundee face the highest premiums in the East and North East, paying out £386, on average. In the Scottish Borders, it’s drivers in Dumfries that have the highest car insurance costs, standing at £344, on average.
This shift in car insurance prices was to be expected, as drivers resume their normal habits. Given the current cost of fuel and the uncertainty surrounding the energy market, these increases will no doubt hit drivers’ wallets hard. However, this doesn’t mean that drivers can’t save money on their car insurance, as shopping around can still save potentially hundreds of pounds.
Louise O’Shea, CEO at Confused.com, comments: “Car insurance prices rising is not the happy news we wanted to start the year with, however it’s also not completely unexpected, as people resume their normal driving habits, and the cost of vehicle repair and replacement continues to increase.
“Although, customers who are shopping around are still receiving prices that are cheaper than 12 months ago, which is especially good news at the moment, as some customers are still seeing their renewal price increase year-on-year. This just goes to prove that there are still plenty of better deals out there.
“As claims costs continue to increase, we expect to see car insurance prices rise too, regardless of the change in pricing regulations by the FCA. And this will be particularly noticeable when we receive our renewal price after 18 months or so of considerably cheap premiums.
“It’s really important that we remember the new rules set out by the FCA do not mean our renewal price will be the best price we can get. If anything, these changes have made the market even more competitive, so there will likely be an insurer out there that could be cheaper or offer a better deal for the cover you need.
“Please don’t settle for your renewal quote from your insurer. We know that there will always be a saving to be made. We’re so sure of this that we’re offering to beat your renewal quote or give you the difference, plus £20.”
Are you planning to purchase an e-scooter this Christmas? Make sure you know the laws and implications beforehand – using an e-scooter in a public place in Scotland is ILLEGAL.
This includes roads, pavements, parks, town centres and promenades. E-scooters can only be used on privately owned spaces, with the land or property owner’s permission.
E-scooters are classified as Personal Light Electric Vehicles (PLEVs). They are treated the same as motor vehicles and subject to the same legal requirements, such as insurance, a valid driving licence and compliance with manufacturing and use requirements.
Superintendent Simon Bradshaw, Deputy Head of Road Policing, Police Scotland said: “We understand that e-scooters are a tempting option for Christmas presents this year. It is important however, to make it clear, these are not toys and they are illegal to use in public.
“If an e-scooter is on your Christmas wish list, make sure you know how and where to use them safely.”
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.
Over 4/5 of Scotland at risk of burglary this summer
As the UK flocks to full capacity pubs and newly opened clubs, home security must rise to the top of homeowners agendas.
New data from Quotezone.co.uk, insurance comparison website, shows that over 80% of people in Scotland do not have a burglar alarm system in their homes.
More worrying still is that the findings, which are based on a sample size of more than 350,000 home insurance policies collated over three years, shows that 79% of neighbourhoods in Scotland do not currently have a neighbourhood watch in operation.
It’s clear that home security has fallen down the priority list for many and now couldn’t be a better time to rectify this. Burglaries reduced by 28% as a result of lockdown as more people stayed at home, suggesting that without the right measures in place a rebound post-lockdown is very likely.
What’s more, this coincides with studies which show that during the months of June-August home burglaries are the highest with a spike of 10% compared with the rest of the year.
Therefore, a surge of people spending more time outside of their homes as well as abroad on holiday, alongside a seasonal spike in crime means that now is most definitely the time to be thinking about simple steps to keep you home protected this Summer.
Do invest in light timers to switch on your lights as it approaches dusk for an hour or two to give the appearance that someone is home. The light sensors that switch on when someone approaches the property illuminates intruders and act as a deterrent.
Do not broadcast your plans on social media and if you do want to post holiday snaps, make sure your settings are set to private to avoid alerting strangers to your location.
Do make any security or alarm systems you do have noticeable to potential burglars with key positioning at the front or back of the house. If you do not have a system then you can pick up CCTV signs from your local police station.
Do check your insurance policy before you travel, look out for limits on leaving your property unoccupied and how long you can be away and still make a claim.
Greg Wilson, Founder of Quotezone.co.uk comments: “It does seem as if we could be heading towards a perfect storm in which more people spend time outside for the first time in 18 months, alongside a seasonal spike in crime, leading to a wave of burglaries throughout July and August.
“It is surprising that so few people across the UK have alarm systems or are involved in neighbourhood watch groups. Now is a good time to rethink the way they households are protecting their homes.
“Even if an alarm system is not something people can invest in right now, there are many other tips and tricks to secure your home and leave you feeling safer this Summer.”
92,000 motorists are at risk of losing their driving licence with just one more motoring offence resulting in a ban, a Freedom of Information request to DVLA by IAM RoadSmart has revealed.
There are some 92,000 drivers currently with 9, 10 or 11 points on their licence who face the real risk of losing their licence with another 3 points pushing them on or over the 12-point ban threshold.
This could be through everyday driving habits, ignorance or judgement errors – such as speeding, overtaking on a double white line, parking in a dangerous place, not stopping at a school crossing, carrying too many passengers or overloading the vehicle.
Many drivers may also be unaware that a lack of basic vehicle maintenance could also land you with points – such as defective tyres, blown headlight or brake light bulbs, cracked light covers, smeary windscreen wipers or worn suspension components.
Specifically, at present there are 80,484 motorists in the UK with 9 points on their licence, 7,804 with 10 points and 4,313 with 11 points.
Meanwhile, there are nearly 8,800 motorists still driving with 12 points or more on their driving licence, with IAM RoadSmart once again renewing its call for a full review to ensure that drivers with multiple points are always treated in the same way. Until these anomalies are removed confidence in the simple “12 points and you are out” system will continue to be undermined.
Reasons that these drivers can keep their licence include exceptional hardship, such as loss of employment.
Neil Greig, IAM RoadSmart Director of Policy & Research, said: “The number of motorists still driving on UK roads with more than 12 points, or just under the driving ban threshold, is alarming.
“It is also an opportune occasion to educate motorists on some motoring laws that they might be unaware can result in licence points, so that motorists can change their driving habits and carry out regular basic checks of their vehicle to help make the roads safer for all users.”
Further data revealed by IAM RoadSmart’s Freedom of Information request also highlighted the postcode areas with the highest number of drivers with penalty points. These include Birmingham with 74,397, Sheffield with 56,876 and Nottingham with 56,245.
Top 10 most common driving offences which result in points:
Speed limits
SP30 – Exceeding statutory speed limit on a public road – 3 to 6 points
SP50 – Exceeding speed limit on a motorway – 3 to 6 points
Insurance offences
IN10 – Using a vehicle uninsured against third party risks – 6 to 8 points
Construction and use offences
CU80 – Breach of requirements as to control of the vehicle, such as using a mobile phone – 3 to 6 points
Traffic direction and signs
TS10 – Failing to comply with traffic light signals – 3 points
Miscellaneous offences
MS90 – Failure to give information as to identity of driver – 6 points
Licence offences
LC20 – Driving otherwise than in accordance with a licence – 3 to 6 points
Construction and use offences
CU30 – Using a vehicle with defective tyre(s) – 3 points
Careless driving
CD30 – Driving without due care and attention or without reasonable consideration for other road users – 3 to 9 points
CU50 Causing or likely to cause danger by reason of load or passengers – 3
New drivers should take extra care as they can amass points very quickly in their first two years of driving. This rule came into force on 1st June 1997. Anyone of any age passing their first driving test is ‘on probation’ for two years.
A total of six or more penalty points during that time will mean they have to go back to learner status, apply for a new provisional licence and take the test again.
For advice on driving and motorcycle riding best practice, including details of IAM RoadSmart’s training courses on effective speed management and practical tips on vehicle checks, visit www.iamroadsmart.com.
With the country now in its third and hopefully final lockdown there are many businesses unable to operate from their usual premises under current government guidelines, many employees have reverted to working remotely from their homes.
While focus has been on transitioning equipment and employees, many business leaders may not have yet had time to consider their insurance policies and the potential impact of remote working over the longer term.
To support businesses, leading insurance provider,Insurance2go, has shared advice on business insurance cover for those with employees who continue to work remotely.
Check your policy
This may seem like an obvious first step, but it is important to check that you are still covered by your insurance while employees work from home.
The good news is that, generally, your insurance will cover your business when it’s not in its regular location. Where you operate from doesn’t really matter, as long as you’re still in the UK. However, you may need to check your contents insurance and whether it covers use of items such as laptops, for example, beyond your normal premises. If it doesn’t, you may need to extend your cover as you cannot rely on your employee’s home insurance to include business use.
Health and safety checks
Interestingly, The Health and Safety at Work Act 1974 makes no distinction between home and in-office workers. The regulations require employers to carry out a risk assessment of their employees’ workplace, to identify any potential risks so the employer can then seek to remove or mitigate the risk.
It is not necessary to visit the employee’s home to carry out a risk assessment, particularly during the ongoing pandemic. However, HR managers can provide the employee with a detailed self-assessment questionnaire as part of a firm’s legal responsibilities for homeworkers.
If your company does not have one already, there are many free templates available online.
Your business needs to be able to show that is has done everything by the book, just in case a circumstance arises where an employee says you didn’t set them up to work from home properly and suffered as a result of it, or there is a data breach. Keep a record of everything you have done, including reasons and the dates they happened.
It is important to have a home working policy that staff can access and read to ensure it is clear what is expected from both parties.
Home working policies should cover key areas including:
when employees will be available to work
how and how regularly they’ll keep in touch
how their performance will be managed
health and safety expectations
rules around confidentiality, IT security, storing information and data protection
who employees should contact if they’re experiencing any problems.
Get cyber insurance
During 2020, the NCSA (National Cyber Security Centre) reported an increase in cyber-security threats, most likely as a result of employees working from home with serious breach affecting a business’s reputation1.
Firstly, make sure IT teams have undertaken checks on all laptops, desktops, and tablets to make sure they are as protected as possible. Also ensure secure connections are set up from the worker’s home station to the company network.
As cybercrimes become more sophisticated it is important not to rely on checks alone, having cyber insurance in place will help to mitigate further risks.
Keep your insurer informed
Most likely your business has changed due to the pandemic if you’ve seen a period of rapid expansion and growth. Whatever your circumstances then get in touch with your insurer. If you’re unsure, err on the side of caution and provide the updates, rather than running the risk of invalidating your policy.
On the other hand, if your business is now having to operate remotely, you should check with your individual insurance providers as to whether they require you to check and maintain security systems while the premises are vacant.
Richard Gray, Head of Marketing and Digital, at Insurance2go says:“It has been an unforeseen time for businesses and employees alike, and for many business leaders it can be hard to predict what the future looks like for their employees in terms of working remotely.
“It’s more important than ever that businesses protect themselves from any unplanned expenses and we hope this advice helps people understand what is required from an insurance point of view, to continue to operate effectively and safely while working from home.”
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