Tag: motorists

Motorists urged to follow winter warnings

Motorists are being warned about winter driving hazards they need to be aware of as temperatures start to drop.

Experts from car insurance firm Quotezone.co.uk have revealed ways motorists can avoid penalty points, fines, higher insurance premiums and help keep themselves and other road users safe.

Winter is a dangerous time of year to be driving, with darker nights, awkward sunshine and icy road surfaces.

When asked about their biggest fear when driving in the winter, a recent Quotezone survey found 48% said driving in snow and icy conditions is their biggest worry.

To try to alleviate these fears, motorists are encouraged to plan ahead for the winter weather, be extra cautious and adjust their driving to meet the conditions.

Greg Wilson, car insurance expert and CEO of Quotezone.co.uk said: “Winter is probably the most challenging time of the year for drivers, as part of Road Safety Week we wanted to raise awareness of the difficulties many drivers face every day and encourage everyone to get prepared for winter.

“The Quotezone survey showed nearly half are worried about driving in snowy and icy conditions, but there are steps drivers can take to help keep them safe.  It’s important to make sure the vehicle is road worthy – especially tyres, it’s vital they are fit for purpose, fully inflated and pass the 20p tread depth test to ensure they have enough grip in treacherous conditions.

“It’s sensible to give your vehicle some TLC before setting off, especially on longer road trips over the festive season to visit friends and family, ensuring all lights are working and fluid levels are all topped up.  It can also be helpful to pack the boot with a winter survival kit, with essentials in case of an accident or breakdown.

“Road safety is paramount and something all drivers need to take seriously.  We’re proud to support road safety charity Brake and the vital work they do supporting communities throughout Great Britain – their vision is a world where we can all move in a safe and healthy way, working to stop crashes on our roads, reduce harm when a crash happens, and help every road victim get the support they need, for as long as they need it.”

Quotezone.co.uk has put together a list of five things to look out for when driving this winter:

1.Check tyres

Motorists can be fined a hefty £2,500 for each faulty tyre and receive three points on their driving licence. If the police see another tyre falling short, it doubles to £5,000 and six points. Four faulty tyres could even see the maximum 12 points, resulting in the loss of a driving licence.  Bare and worn tyres will have less grip and be treacherous in icy conditions, when you insert a 20p into the gap in the tyre tread, the rubber needs to cover the bottom line of the 20p, to ensure the tyres have enough grip.

2.Clear your windscreen before you set off

Windscreens with inhibited views can land drivers with a £1,000 fine and three points on a driving licence. So any leaves, snow, ice, mud or even condensation, needs to be fully cleared before you start driving – not having a full view of the road is incredibly dangerous.

3.Defrosting

It’s tempting to leave the engine running while the windscreen unfreezes, and the car warms up. However, if the vehicle is stolen in the meantime, many insurance companies will not cover the loss. Leaving engines running, also known as ‘idling’ is also an offence under section 42 of the Road Traffic Act 1988. This is because it’s bad for the environment as it increases the amount of dangerous gases emitted into the air from the car’s exhaust.  It’s also incredibly dangerous if done near a school so best to switch the engine off completely if waiting on the school pick-up.

4.Clean the number plate

Excess mud and grit on the roads this time of year can make your car dirty very quickly, and if the number plate isn’t clearly visible, drivers could face a fine of £1,000.  The police need visible access to your number plate at all times, for the safety of all road users.

5.Driving in a flood

Some car insurance policies include clauses advising policyholders not to drive through flooded roads, and may specifically exclude cover for any water damage to the car if the motorist goes against this advice.  It’s also extremely dangerous as the engine can stall and the vehicle can be left stranded.

It’s also sensible to pack the car with winter essentials before setting off, such as a torch, a blanket, a shovel, water and rations, a first aid kit, de-icer and a spare phone charger – to help cope with the unexpected.

Quotezone.co.uk helps drivers compare and save on all sorts of motoring products such as breakdown cover, car, motorbike and van insurance.

Driving in the dark – drivers urged to adopt defensive driving techniques

Motorists must adopt ‘defensive driving’ techniques this autumn as the clocks go back

Road safety expert, TTC Group is urging motorists to be extra vigilant from Sunday 27th October when the clocks go back.

According to the Royal Society for the Prevention of Accidents (RoSPA) there is a surge in the number of vulnerable road users killed or seriously injured as daylight hours shorten. To help motorists stay safe TTC calls upon them to use ‘defensive driving’ techniques, which can be adopted through the winter months. 

TTC says that those most at risk are fearful of driving in low light, including older motorists and young drivers with low mileage under their belt. Knowing the dangers of night driving and what to do to mitigate those risks is essential.

Andy Wheeler, Training Manager for TTC Group, said: “As the days get shorter it’s worth reminding ourselves of the simple techniques which can make a difference to staying safe while night driving. 

“A higher number of traffic-related fatalities occur at night with fatigue being a significant factor in most cases.  Reduced visibility and inappropriate driving add to that risk, that is why we advise all drivers and riders to embrace defensive driving techniques.”

 DEFENSIVE DRIVING TIPS

  • Speed: It is safer to reduce your speed when driving in the dark, especially in unlit areas.  This will buy time to observe vulnerable road users and stop accordingly.  
  • Distance: It is harder to spot hazards at night so get into the habit of increasing the two-second time gap from the vehicle in front. Following too close reduces visibility and time and distance to stop.   Headlights could also distract or intimidate the driver in front.
  • Slow down: Take extra time to read the road for signs of other road users by travelling slower than normal. This also allows time for the eyes to adjust when travelling from well-lit to dark roads.
  • Lights: Ensure external lights are clean, in good working order and interior lighting is turned off. Be careful not to dazzle or cause discomfort to other road users by always using dipped headlights in urban areas or when approaching oncoming vehicles. Use full beam on all other roads, particularly unlit rural lanes, when the opportunity arises and you won’t dazzle other road users.
  • Eyes: Routinely have your sight examined. To avoid being dazzled by oncoming headlights, drivers can keep attention on the left-hand kerb. The rear-view mirror should be adjusted to reflect light away from the eyes and above all, let your eyes adjust to different lighting levels
  • Tiredness: Falling asleep when driving overnight accounts for 40 per cent of collisions in the UK. Prevent drowsy driving by ensuring business drivers take regular breaks every two hours.
  • Visibility: A dirty windscreen will increase glare from other vehicles at night and are also prone to steam up. Keep windscreens, windows and mirrors clean with a microfibre cloth, both inside and out
  • Stay alert: Remember other drivers may not be as cautious. Drivers should slow down more than usual at junctions and check side and rear-view mirrors regularly.
View of a pedestrian crossing in the city at night during a heavy downpour. Silhouettes of people with umbrellas in the headlights of the car. People cross the road.

Roadworks in Old Town to last NINE months

The city council is improving the roads, pavements and drainage at Lawnmarket – between Castlehill and George IV Bridge – and Upper Bow. Work is due to start on 23 September 2024 and end in July 2025.

The improvement work includes the reconstruction of the existing natural stone setts on the streets, and will improve walking and road conditions, whilst enhancing road safety.

This will take place in four phases, which will be completed consecutively. Work will take place Monday to Saturday typically between the hours of 7.30am and 5pm.

Phase 1: 23 September – December 2024
Upper Bow – full length. Upper Bow will be closed. The Lawnmarket will continue to operate eastbound only.

Phase 2: December 2024 – February 2025
Lawnmarket – roundabout area. Road closed at the roundabout area with no through route for vehicles. Access may still be available from George IV Bridge. Deliveries to Castlehill will be via Ramsay Lane.

Phase 3: March – April 2025
Road closure of the eastern half with no through route for vehicles. Local access to the western half and Castlehill can be obtained via Johnston Terrace.

Phase 4: May – July 2025
Road closure of the western half with no through route for vehicles. Local access via Johnston Terrace – some access may be available from George IV Bridge.

Pedestrian access to the area will be maintained at all times, restrictions will be placed on vehicle access. Eastbound traffic will be maintained during phase 1, but Lawnmarket will be closed to through traffic from December 2024.

Access will be maintained at all times for emergency services vehicles.

Temporary parking restrictions will be introduced to make sure the work is done safely, with on-street signage providing details of specific restrictions. 

Full details on bus access, diversion routes, loading and servicing are available on our website.

Transport and Environment Convener, Councillor Stephen Jenkinson said: “Maintaining and enhancing our streets is a key priority and I’m proud that we’re taking these steps to make improvements in the Lawnmarket area.

“The Old Town is world famous for its setts and cobblestones and we need to preserve these for the future. I appreciate these works may cause some disruption for our residents, businesses and visitors so I’d like to thank them for their patience.”

Throughout the works the council says it will monitor progress and keep residents and businesses updated.

RIPPED OFF: Drivers still paying too much for road fuel, says CMA

Increases in retail fuel margins cost drivers over £1.6bn in 2023

The Competition and Markets Authority (CMA) has published an update today on the widespread action it is taking to ensure that people can get the best possible choices and prices in the face of ongoing cost of living pressures.

New analysis highlights how the cost to drivers of weakened competition in the fuel sector persists, but competition in the groceries sector appears to be more effective in bearing down on retail margins.

Road Fuel 

In its third interim monitoring update, the CMA has found that:

  • Retailers’ fuel margins – the difference between what a retailer pays for its fuel and what it sells at – are still significantly above historic levels.
  • Supermarkets’ fuel margins are roughly double what they were in 2019.
  • The total cost to all drivers from the increase in retail fuel margins since 2019 was over £1.6bn in 2023 alone.
  • Competition among fuel retailers is failing consumers, just as it was in July last year when the CMA published its road fuel market study.

When the CMA published its road fuel market study report, it recommended that a smart data driven fuel finder scheme be set up to make prices available to motorists across the UK in real time, such as through map apps and sat-navs. This will be backed up with ongoing monitoring by the CMA to hold the sector to account. This scheme could save drivers up to £4.50 each time they fill up, as it would make it easier to find cheaper fuel in their area.

The CMA is currently monitoring developments in the fuel market using information provided voluntarily by fuel retailers. It has created a temporary price data-sharing scheme, and it is positive that some major players have started to integrate this into consumer-facing products, like apps. However, the current scheme covers only 40% of fuel retail sites and is not comprehensive enough to be utilised by map apps or sat-navs to bring accurate, live information to people – and this is what would have a substantial impact on the market.

The proposed introduction of the Digital Information and Smart Data Bill by the new government could provide the legislative basis to set up a compulsory and comprehensive scheme that would change this – which the CMA would welcome.

Legislation – which is needed to establish the scheme fully – may take time to come into force. So that motorists can start to benefit from quicker, easier access to fuel prices through everyday apps sooner, the CMA encourages the government to introduce an enhanced interim voluntary scheme that is as close to the final scheme as possible.

Richard Evans, head of technical services at webuyanycar comments: “Rising motoring costs are unsurprisingly taking a toll, as our research revealed 4 in 10 drivers (40%) trying to drive less as a result of expensive fuel. 

“As households unfortunately feel the pinch from rising costs across the board, there are a few things drivers can do to get the most out of their fuel. The more weight a car is carrying, the more fuel it will consume, so remove anything that isn’t needed.

“Driving habits have a huge impact on fuel consumption; making sure to accelerate gently and use the highest appropriate gear will help to use as little fuel as possible. And, keeping a car in good condition can also help to improve fuel consumption, as fuel won’t be wasted on broken parts.

“Amidst the fluctuation of fuel prices, it’s also important that drivers are aware of the cost to fill up and where they can get the best deal in their local area. Drivers can use our fuel cost calculator to estimate their weekly, monthly (and even annual) fuel spend.”

Groceries

Many households have been struggling to put food on the table. Last year the CMA launched a wide-ranging project looking at competition and prices in the groceries sector, to make sure that people can get the best deals possible when they are shopping for essentials.

Retailer profitability analysis

In the CMA’s review of the sector in July 2023, it did not find widespread evidence of weak competition: profit margins were historically low; consumers were switching to get the best deals; and the lowest-price retailers were gaining market share from others. But the CMA committed to have another look at this and monitor margins as costs came down. 

Overall, the updated retailer profitability analysis that the CMA has published today should provide shoppers with reassurance that competition in the groceries sector appears to be effective in bearing down on retail margins.

Grocery retailer revenues, profits and margins have increased slightly, in aggregate, in the most recent year (FY 2023/24), as inflation has eased. However, the CMA found that the average operating margin for grocery retailers was less than 3% last year, which remains below pre-pandemic levels. Overall, this does not give the CMA cause for concern about the general state of competition in the groceries sector.

Pricing  

The CMA has also been investigating a range of pricing issues, to help shoppers access clear and accurate pricing information:

  • When shoppers are looking for the best deal possible, they need to be able to easily compare the prices of similar items. Unit pricing can help with this, but a lack of consistency or accuracy can cause confusion. The CMA has identified a number of concerns with retailers’ unit pricing practices, some of which stem from the legislation itself – the Price Marking Order (PMO) 2004, which allows for inconsistences in retailers’ practices, including when products are on promotion. The CMA has recommended changes to the PMO and the Northern Ireland PMO which will help people access better information when they shop, and encourages the government to implement these changes.
  • Alongside this, the CMA has published guidance aimed at independent retailers to help them display clear and accurate prices in general.
  • Shoppers are looking for deals more than ever, and, increasingly, supermarkets offer special prices only for customers that use their loyalty schemes. The CMA has been assessing whether the savings on offer through loyalty schemes are genuine. The analysis – involving tens of thousands of loyalty price promotions – is ongoing, but the results to date suggest it is unlikely to identify widespread evidence of loyalty promotions that mislead shoppers. The CMA has commissioned a consumer survey to understand consumer attitudes and the impact of loyalty pricing on how we shop around and compare prices. The CMA will report on this work in November.

Infant formula

Infant formula is a vital part of the weekly shop for many parents and carers.

Through our review of the groceries sector, the CMA identified significant price rises for infant formula (over 25% between 2021-23) and launched a formal market study in February. Five months into the study, the CMA has concerns that the combined effect of the current regulatory framework, the behaviour of suppliers, and the needs and reactions of consumers buying formula, may be resulting in people paying more than they need to.

The CMA will publish an interim report in October setting out in full the concerns it has in this market and its provisional recommendations for action to improve it.

Sarah Cardell, Chief Executive of the CMA, said: “At a time when household budgets are under huge strain, it’s our job to make sure people can be confident they are getting good deals and that they are not being harmed by weak competition or unfair sales practices.

“Despite inflation falling to 2%, many people are still struggling to pay for everyday items – whether it’s filling up at the pump, buying groceries, feeding babies, treating ill pets, or having somewhere to live.

“Last year we found that competition in the road fuel market was failing consumers, and published proposals that would revitalise competition amongst fuel retailers. One year on and drivers are still paying too much.

“We want to work with government to put in place our recommendation of a real-time fuel finder scheme to kick-start competition among retailers. This will put the power in the hands of drivers who can compare fuel prices wherever they are, sparking greater competition.”

A full list of the CMA’s work to help tackle cost of living pressures – including any recommendations already made – can be found on its collection page.

UK Government announces new long-term plan to back motorists

Plan for drivers ‘will sit alongside continued investment in public transport and active travel’

  • new long-term government plan will support drivers and put the brakes on anti-car measures
  • plan will address drivers’ everyday concerns with new measures to keep traffic moving, make parking simpler, and clamp down on overrunning road works
  • guidance to be reviewed on 20mph limits and low traffic neighbourhoods in England to ensure local support, ending blanket imposition of anti-driver policies

Transport Secretary Mark Harper has set out plans to protect drivers from over-zealous traffic enforcement, as part of a long-term government plan to back drivers.  

With 50 million people holding a driving licence in Great Britain and more than 40 million licensed vehicles in the UK, the government’s new plan will support the majority who drive, by keeping motoring costs under control and ensure people have the freedom to drive as they need to in their daily lives.

The measures include reviewing guidance on 20mph speed limits in England to prevent their blanket use in areas where it’s not appropriate and amending guidance on low traffic neighbourhoods to focus on local consent.

As part of the ongoing review into low traffic neighbourhoods, the government will also consider measures for existing anti-driver policies that did not secure local consent. The plans also aim to stop councils implementing so called ‘15-minute cities’, by consulting on ways to prevent schemes which aggressively restrict where people can drive.

Drivers across the country will also soon be able to benefit from new technology to simplify parking payments. The national parking platform pilot will be rolled out nationwide so that drivers can use an app of their choice to pay instead of downloading multiple apps.

In the continued drive to tackle potholes, the government will support councils to introduce more lane rental schemes, where utility companies are required to pay to dig up the busiest roads at peak times. Under the proposals, at least half of the extra money raised from these fees will go directly towards repairing road surfaces.

To further clamp down on overrunning street works, the government will consult on extending fines for repairs which run into weekends and increasing current levels of fixed penalty notices.

Prime Minister Rishi Sunak said: “For too long politicians have focused on the short-term decisions with little regard for the long term impact on hardworking families.

“We’ve seen this consistently with people’s freedoms on transport. The clamp down on drivers is an attack on the day to day lives of most people across the UK who rely on cars to get to work or see their families.

“This week the UK government will set out a long-term plan to back drivers, slamming the brakes on anti-car measures across England. We are taking the necessary decision to back the motorists who keep our country moving.”

Transport Secretary Mark Harper said:  “Too often the private car is vilified when it has been one of the most powerful forces for personal freedom and economic growth. That’s why the government is taking the long-term, necessary decision to back the motorists who keep our country moving. 

“We’re introducing a plan to ensure drivers can enjoy smoother journeys, park more easily and no longer face unfair and oppressive traffic enforcement measures.

“Our plan will sit alongside our continued investment in public transport and active travel as part of a package of measures designed to help people travel in the best way that works for them.”

A call for evidence will be launched on options to restrict the ability of local authorities to generate revenue surpluses from traffic offences and over-zealous traffic enforcement, such as yellow-box junctions.

To make life easier for drivers and help traffic flow better, the Department for Transport will strengthen guidance to make sure bus lanes only operate when necessary and a consultation will be launched on motorcycles using bus lanes. Further measures and the full plan will be published in the coming days.

The measures follow the Prime Minister’s new approach to net zero announced last week, which committed to ending the sale of new petrol and diesel vehicles by 2035, while supporting people who rely on their cars in their daily lives. The long-term plan to back drivers will protect people who rely on their cars from anti-driver policies.  

The plans also follow the government’s support for drivers by cutting the fuel duty rate by 5p per litre since March 2022, saving the average driver around £100 a year. This is in addition to £5 billion government investment since 2020 to resurface local roads, and new rules to clamp down on utility companies leaving potholes behind after street works.

Pumping up prices: Motorists making expensive mistakes when filling up

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

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

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

Credit: Pexels

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

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

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

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

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

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

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

1.Misfuelling 

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

2.Check your tyres

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

3.Letting your fuel run on empty

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

4.Overfilling your tank

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

5.Filling up during peak hours 

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

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

Scottish drivers face growing car insurance premiums

The average cost in Scotland is now £435, following a £31 (8%) increase year-on-year, according to the Confused.com car insurance price index

  • According to the data, Central Scotland is the most expensive region, with motorists paying £477 for their car insurance, on average. This is an increase of £34 (8%) year-on-year.
  • Drivers in the Scottish Borders pay the cheapest price for car insurance, despite a £29 (9%) year-on-year increase. Drivers in this region can expect to pay £366, on average.
  • Further research shows that almost half (45%) of drivers who received a renewal quote last quarter saw a price increase of £41, on average. However, drivers who shopped around on a price comparison site saved £54, on average (1) .
  • Louise O’Shea, CEO at Confused.com urges drivers to shop around ahead of time and to consider opting for annual payments, which could save drivers as much as 10% on their car insurance(3)
  • How to save money on your car insurance: Confused. money on your car insurance: Confused.com expert tips aim to help drivers save more on their insurance as the cost of living rapidly increases.

Car insurance costs across the Scottish regions are at the highest in almost two years following the steepest increase in prices since before the COVID-19 pandemic (Q4 2020), new data reveals.

The average cost of car insurance in Scotland now stands at £435, on average, with drivers seeing an increase of £31 (8%) compared to this time last year. That’s according to the latest car insurance price index (Q2 2022) from Confused.com, powered by WTW. Based on six million quotes a quarter, it’s the most comprehensive car insurance price index in the UK.

However, some drivers could expect to pay more than the national average, depending on the region in which they live. The data shows that drivers in Central Scotland pay the highest prices for car insurance, with the cost now £477, following a £34 (8%) increase compared to this time last year. Despite an annual increase of £29 (9%), drivers living in the Scottish Borders pay the cheapest costs for their car insurance, with an average premium of £366.

Meanwhile, drivers in East and North East Scotland are now paying £399 for their car insurance, following a £27 (7%) increase year-on-year. And drivers in the Scottish Highland and Islands are paying a premium of £394, on average, following an increase of £30 (8%).

Region Average Premium YOY £ YOY %

Scottish Borders £ 366 £29 9%

Central Scotland £ 477 £34 8%

East & North East Scotland £ 399 £27 7%

Scottish Highlands & Islands £ 394 £30 8%

It’s a similar picture across the rest of the UK, where prices increased by £32 (6%) over the past 12 months to £554. This is the highest prices have been across the UK in almost 2 years.

The reports of steeper car insurance costs might come as bad news for Scottish motorists, which is why it’s never been so important to shop around for the best deals when it’s time to renew.

However, while prices are increasing for most drivers across the UK, further research by Confused.com shows that many loyal customers are still taking a bigger blow, having seen their renewal increase more than the price of a new policy, on average.

A survey of 2,000 UK drivers(1) found that almost half (45%) of those who received their renewal last quarter saw their price increase by £41, on average. This is despite 1 in 10 (10%) drivers who have renewed their car insurance since January 2022 believing that prices wouldn’t increase after Financial Conduct Authority (FCA)(2) changes earlier this year. However, while prices are increasing for new policies too, the data shows that drivers could still save money by shopping around and taking out a new policy.

In fact, those who shopped around after receiving a more expensive renewal price saved £54, on average, after using a price comparison website and switching insurers.

Louise O’Shea, CEO at Confused.com reminds drivers that the recent FCA changes do not always mean a cheaper or like-for-like renewal price, as any increase to the average UK car insurance costs will be reflected in renewal premiums. And it’s likely that prices will continue to increase as motorists spend more time on the road, meaning that likelihood of claims will increase too.

It’s evident from the latest data that increases have been seen across other regions too, with the UK average premium now £554 – that’s £32 (6%) more expensive than 12 months ago.

However, despite annual increases across all regions, some areas in Scotland have in fact benefitted from a decrease in costs over the last quarter. For instance, although there has been an annual increase of £59 (16%) in Shetland, the average cost for car insurance in the area has actually decreased by £19 (4%) since the last quarter. Drivers in Aberdeen have also seen the average premium cost decrease by £2, making their annual cost £397, on average.

But despite small wins for some, other areas continue to see increased car insurance costs. For drivers in Glasgow, the average cost for car insurance is £523. This is a £39 (8%) increase compared to this time last year and also currently makes Glasgow the most expensive area in the whole of Scotland.

While prices are on the increase, data shows that female drivers are still paying cheaper prices compared to males(4). For males aged 17-20 in Central Scotland, car insurance prices are the most expensive in comparison to all other Scottish regions.

These costs have increased by an eye-watering £110 (8%) in the last 12 months, on average. Female drivers in Central Scotland also saw a 6% increase year-on-year, but this equates to £59 in comparison. In the past 12 months, the total cost for drivers aged 17-20 in this region has increased to £1,479 for males and £1,140 for females.

With the cost of living crisis worsening and further household bill hikes expected later in the year, drivers need to be savvier than ever. And when it comes to their car insurance, drivers should be shopping around, as it’s one expense that could guarantee a saving.

An option for drivers to save money on their insurance is by choosing for annual payments. While monthly direct debits may be the most convenient option, paying upfront for an annual cost could save drivers an extra 10% when taking out a new policy(3).

With so much to consider when it comes to car insurance, it can be confusing for drivers to know which factors will produce the best savings. To help motorists understand where savings could be made, Confused.com has created 16 tips to get cheaper car insurance costs. And it could be as simple as making sure all of your details are correct when taking out insurance.

Louise O’Shea, CEO at Confused.com comments: “With millions stung by the current cost of living, it can be disheartening to see that car insurance prices are also on the rise. As the latest data shows, we’re seeing some of the highest spikes in prices since before the pandemic.

“With us all still adjusting to life after lockdown, it’s likely that this is due to the number of insurance claims being made increasing as we get back into some sort of routine. Unfortunately, this means that you might notice a price increase when renewing or shopping for your car insurance.

“While prices are increasing, we know that car insurance is one area where you can still save money, which will help to balance out price hikes in other areas. It’s clear from research that renewal prices are often more expensive, and it can be easy to accept a higher price if it doesn’t look too bad given the expectation that everything is increasing at the moment. But please don’t do this. You can pay less!

“The car insurance market is very competitive right now, which is the perfect time to be savvy and shop around for a better deal. Taking some time to research the best available options can really pay off. We know there’s an insurer out there who can offer you a better price, which is why we guarantee to beat your renewal(5). And if we can’t, we’ll give you the difference, plus £20. So, if anything, you will make money!”

Double trouble! Storms warning for motorists

A leading insurance firm is warning motorists to check their policies before venturing out this week after the latest weather forecasts say two storms will hit Scotland from Wednesday night.

Storm Dudley is expected to bring coastal flooding as it coincides with high tides as well as gusts of up to 90mph and rain. Storm Eunice will follow on Friday with snow and more heavy rain.

Quotezone.co.uk, a leading car insurance comparison website, says any damage to cars caused by driving through flooded roads might not be covered by insurance policies. It warns motorists to carefully check their policies exclusions, and even if routes are partially blocked, drivers should think twice before using waterlogged roads.

Greg Wilson, Founder of Quotezone.co.uk, comments: “Motorists who have taken out third party only or third-party, fire and theft insurance won’t be covered for any storm damage to their vehicles, such as flying debris – only fully-comprehensive policyholders are likely to be protected in those cases.

“With Scotland expected to bear the brunt of the conditions, getting where you need to go without encountering a flooded road could be easier said than done. 

“Unfortunately, though, if motorists do decide to drive through these roads, there’s a very real risk that they won’t be covered for any resulting water damage to the car – even fully-comprehensive drivers.”

Greg Wilson advises motorists that have to go out to make sure their cars are roadworthy before setting off. Some insurance providers offer winter emergency survival kits as standard but if they don’t, it is wise to put one in the boot with thermal blankets, torches, phone chargers, emergency food and water rations and a first aid kit just in case.

Quotezone.co.uk compares prices across all types of car insurance, including breakdown cover, helping around 3 million users every year find better deals on their insurance, with over 400 insurance brands across 60 different products. Recommended by 97% of reviewers on Reviews.co.uk. 

Be alert to Highway Code changes

Police Scotland is reminding road users of changes to the Highway Code that come into effect on January 29:

🔹 Cyclists have priority over cars when cars turning

🔹 Pedestrians have priority over cars at junctions

🔹 Changes to cyclist positioning to ensure better visibility

It is the responsibility of individual road users to be familiar with the Highway Code.

Find it here ➡️http://ow.ly/7Tzj50HpGBc

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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