Tag: Quotezone

Motorists could save hundreds of pounds by following these tips

Expert advice from car insurance comparison specialists

UK motorists are being shown how simple adjustments could help them save hundreds on their car insurance in 2026.

Car insurance experts at Quotezone.co.uk are urging drivers to consider what modifications they choose, how they word their job title, and to be realistic about the annual mileage covered each year. 

Although car insurance prices have fallen in 2025, with the current average cost coming in at £591 as of Q3 2025, small changes to how and when people purchase their premiums could create further savings.

Recent data has revealed how slight changes in job title wording could impact insurance pricing, as providers can categorise job roles differently.

Another major consideration for drivers is the modifications they make to their car, with common modifications like window tints, tow bars, and even sunroofs having the potential to not only increase insurance premiums, but invalidate insurance altogether if they are undeclared. 

A Quotezone survey earlier this year showed 65% of drivers didn’t realise adding a sunroof could be seen as a modification, meaning many drivers could be unknowingly risking higher insurance premiums or invalid cover.

Drivers have also been warned about how much their mileage can really affect their insurance premiums, with those clocking up the miles potentially paying hundreds more each year.

The timing of car insurance renewal remains a huge saving, with drivers potentially able to cut costs by up to 45% simply by renewing 15 to 24 days before their policy ends.

The later drivers leave it, the more expensive premiums are likely to be. A recent Quotezone survey showed two-thirds buy at the last minute when costs are potentially at their highest. 

Research also shows that premiums purchased between midnight and 6am are 22% higher on average than those secured during the day.

Quotezone.co.uk CEO and car insurance expert Greg Wilson said: “This year has been really positive for many motorists as car insurance costs continued to decline quite significantly. 

“This time last year we were looking at an average of £770 and now the average cost is coming in at just over £590. A decrease of £180 in the space of 12 months is welcome news for drivers who may be struggling with rising fuel and repair costs.

“But there are further savings to be had and a number of small changes could help put more money back into drivers’ pockets. 

“While each individual’s circumstances are different and car insurance premiums are based on a series of risk factors such as age, location, and the cost of the vehicle – it is always worth ensuring drivers have the best possible price for their situation and reviewing these price sensitive questions and keeping these money saving tips in mind is key. 

“It’s hard to predict what car insurance prices will do in 2026. While recent months have seen some easing in average premiums, there’s no guarantee this will continue, as inflation pressures, rising claims rates and the increasing cost of car repairs may make it challenging to keep prices lower for long. This makes it vital that drivers know how to get the most competitive price possible.”

Quotezone.co.uk’s top five car insurance saving hacks of 2025:

1.Choose your job title carefully

Insurers categorise job roles differently, meaning slight changes in job title wording can also impact insurance pricing. For example, someone describing themselves as a “Healthcare Assistant” might receive a different quote by selecting “Care Assistant” or “Care Worker” instead. As long as the title remains accurate, it could help reduce premiums.

2.Consider the car modifications you make 

Car modifications can cause higher insurance premiums as they often increase the value of the vehicle and insurers may view them as an increased risk of theft. It’s also important to make sure any modifications are declared to the insurer or you run the risk of invalidating your policy.  

3.Review how much annual mileage you’ll really cover

Driving habits and your circumstances can change over time, so it’s important to regularly review your policy and let your insurer know of any changes to ensure you are in the correct mileage band, especially if you’re driving much less miles than you initially covered yourself for. Motorists clocking up fewer than 1,000 miles a year pay an average of £520, while those who exceed 30,000 miles face average costs of £800. 

4.Hit the insurance renewal sweet spot 

Those who are organised and give themselves plenty of time to compare quotes from other insurers will likely get a better deal than those who leave it until the last minute. Quotezone data reveals that 15 to 24 days before the policy is due to start is the sweet spot, with drivers purchasing during this timeframe saving themselves an average of 33-45%.

5. Park somewhere safer

The closer you can park to the house, the safer your car is likely to be, reducing the risk of theft or damage, which could help reduce your insurance premiums. Those who park their car out on the road overnight could see average premiums of £1136, whereas the average for parking on a private driveway is 24% less at £868.

Quotezone helps over 4 million customers every year compare and find savings on all sorts of motoring products such as car, truck and van insurance.

Motorists warned of aquaplaning dangers during heavy rainfall

Motorists are being warned about the dangers of aquaplaning, as experts share tips on how to stay safe on the roads during stormy weather.

Rainfall in the UK is on the rise, with winter 2023-24 the wettest on record,* making it vital that drivers know how to react in these challenging situations.  

Car insurance experts at Quotezone.co.uk urge drivers to check their tyre tread depth and significantly reduce their speed when it’s raining to help keep control during unexpected aquaplaning.

Also known as hydroplaning, aquaplaning happens when a layer of water builds up between a vehicle’s tyres and the road surface, causing the tyres to lose grip.

This can lead to a complete loss of steering and braking control, leaving drivers unable to manoeuvre safely until the tyres regain contact with the road.

Even a small amount of water can cause aquaplaning if tyres are worn or under-inflated. The legal minimum tread depth in the UK is 1.6mm, so it’s important for motorists to regularly check their tyres to ensure they meet or exceed this limit.

Drivers are advised to slow down when conditions are wet, as aquaplaning is far more likely to occur at speeds above 35 mph.**

It’s also important to avoid harsh acceleration, braking or sudden steering movements in rainy weather.

When the car is aquaplaning, drivers might notice the engine suddenly becoming louder, feel as though they’ve dropped the clutch down a gear, causing the revs to increase, experience lighter or unresponsive steering, or feel the back end of the car drifting from side to side, also known as ‘fishtailing’.***

In that situation, it’s crucial not to slam the brakes or turn the wheel sharply. Instead, drivers need to gently ease off the accelerator and keep the steering straight until the tyres regain contact with the road.

Greg Wilson, CEO and car insurance expert at Quotezone.co.uk said: “As the weather across the UK gets wetter and stormier, motorists need to be on alert for dangerous driving conditions.

“Many drivers underestimate how easily aquaplaning can happen. Even a thin layer of water can be enough if tyres are worn or speeds are too high.

“It can be a frightening experience when you suddenly lose control of the car, and can result in serious accidents, so knowing how to prevent and manage aquaplaning is crucial at this time of year.

“Regularly checking tyres, slowing down, keeping an eye out for puddles and avoiding harsh manouvers in wet conditions, can all help improve safety while driving in the rain.

“Being aware of the first signs of aquaplaning is also important so that drivers can react calmly and safely. If the steering suddenly feels light or the car starts to drift, don’t panic.

“Staying composed, easing off the accelerator, keeping the wheel straight and letting the tyres regain their grip naturally is the best that you can do in this situation. Being prepared and aware of what’s happening is half the battle.”

Quotezone.co.uk’s top tips on avoiding aquaplaning:

1. Reduce speed  

Your tyres will have less chance of gripping the road if you’re travelling at a higher speed. There’s no magic “safe speed,” but experts say that cars travelling under 35 mph in an inch or two of water are much more likely to stay in control.

2. Check your tyre tread depth

The legal minimum tread depth is 1.6mm, but don’t wait until you’re right on the limit. More tread means better grip, especially on wet roads. If your tyres are starting to look a little smooth, it’s time to get them checked or replaced,**** driving with unroadworthy tyres can lead to fines, penalty points and could even invalidate your car insurance. 

3. Keep tyres properly inflated

Under-inflated tyres can’t clear water as effectively, increasing the risk of aquaplaning. Check tyre pressures regularly, especially before long journeys. If you’re not sure what your tyre pressure should be, check your car manual or reference sticker on the inside of the doorframe.

4. Keep an eye out for puddles

Those big puddles might look harmless, but hitting one too fast can make your car lose contact with the road in an instant. Try to avoid waterlogged roads or drive around puddles safely – if you have to go through, reduce speed and proceed with caution. Turning your headlights on is recommended on rainy days to increase visibility, so other drivers can see you better and you have a better chance of spotting excess surface water. 

5. Follow the track

If there’s a car ahead, their tyres will already have cleared some of the water from the road, leaving tracks behind. Driving in those tracks, while keeping a safe distance, could help your tyres maintain better grip.

6. Drive smoothly

Gentle steering, braking and accelerating are key when it’s wet. Take extra care on bends and avoid using cruise control, as it can stop you from reacting quickly if you start to aquaplane.

As a leading price comparison site, Quotezone helps millions of drivers every year compare and find savings on all sorts of car insurance, such as young, older and convicted driver insurance.

Motorists urged to check tyres as summer heat risks dangerous blowouts

Rising temperatures are putting motorists at risk of dangerous tyre blowouts, with summer heat causing overinflated tyres and reduced traction.

With the UK experiencing above-average temperatures so far this summer, motor insurance experts from Quotezone.co.uk are urging drivers to check their tyre pressure. 

One in five vehicle breakdowns on motorways and A roads result from tyre defects, with a recent campaign finding that 21% of drivers who have broken down on the motorway saying it could have been avoided if they’d conducted proper tyre checks before starting their journey.

While motorists are well aware of the importance of checking tyre conditions during winter, it’s just as crucial to check tyres throughout the summer months – particularly during a heatwave. 

For every 10 degrees Celsius rise in temperature, tyre pressure can go up by about 1–2 PSI (pounds per square inch) – meaning tyres already at the upper limit could become overinflated when hot.

Overinflated tyres lead to a number of serious safety concerns for motorists, including reduced grip and traction, less responsive handling, and a higher risk of tyre blowouts – which can be particularly dangerous at high speeds. 

Before setting off on long journeys this summer, motorists are warned to carry out a few simple checks to stay safe on the road and avoid costly breakdowns. 

Greg Wilson, car insurance expert and CEO at Quotezone.co.uk said: “Many drivers carry out safety checks on their tyres throughout winter but often overlook how extreme heat can be just as tough on them.

“With the summer in full swing and many motorists travelling longer distances across the country on holiday road trips, it’s important to carry out essential safety checks before setting off.

“A quick pressure check could save drivers not only from a costly breakdown, but from a potentially dangerous tyre defect at high speed. 

“It’s essential to know the correct pressure for the vehicle, check the spare tyre, and always be mindful not to overload the vehicle – particularly if heading off on holiday with a boot full of luggage. 

“It only takes a few minutes to check the tyre pressure, but it could make all the difference.”

TyreSafe-summer-motoringDownload

Tyre safety tips for motorists this summer:

1.Check tyre pressure regularly 

Tyre pressure should be checked when the tyres are cold, ideally in the morning or after the car has been parked for several hours. 

2.Know your correct pressure

Your vehicle’s manufacturer should have a recommended tyre pressure you should stick to – this can be found in the vehicle’s handbook or door sticker. 

3.Inspect for damage

High heat can soften the tyre’s rubber and worsen cracks or worn tread. The minimum legal tread depth is 1.6mm in the UK, although tyre and safety experts recommend 3mm.***

4.Adjust the pressure if necessary

If tyres have become overinflated, let them cool before adjusting the pressure. Never deflate a hot tyre based only on a hot reading. 

5.Don’t neglect the spare tyre

Something that is often overlooked, but make sure to check the pressure of any spare tyres too, should you need to use them in an emergency and note they sometimes have a different recommended pressure to the existing tyres.

6.Avoid overloading your vehicle

Not only is it illegal, but overloading a vehicle puts a lot of stress on a car’s tyres. The extra heat and pressure can also increase the risk of a tyre blowout.

Quotezone helps millions of drivers every year find savings on all sorts of car insurance products such as older driver, truck and young driver insurance.

IMAGES: TyreSafe

Car Cloning Fraud on the Rise: Motorists at Risk of Fines for Crimes They Didn’t Commit

Motorists are being warned of the rise in car cloning crimes, amid a worrying increase in vehicle identity theft.

Car insurance comparison experts from Quotezone.co.uk have urged drivers to stay alert, avoid posting images of their car online and park in garages when possible to minimise the risk of car cloning.

This comes after an investigation revealed a 64% surge in car cloning in London alone.

The crime is a form of fraud and involves stealing or copying another person’s car registration plates, allowing criminals to run up fines for speeding, driving through low emission zones or to hide the identity of stolen or salvaged vehicles.

Number plates can be physically stolen or purchased through fraudulent suppliers.

Those who have fallen victim to car cloning will start to receive fines for crimes they have not committed, and proving innocence can be difficult, so it’s important to understand ways to prevent cloning.

The car insurance experts also say people can fall victim to car cloning through buying a used cloned vehicle, which can lead to significant legal and financial problems which could see motorists losing the car and the money they paid for it.

Motorists are not able to completely prevent car cloning, but there are some things which can help minimise the risk, including parking in a garage whenever possible, or using a car cover so your number plate is not easily visible.

The experts are advising motorists to be careful with what they post online, as images including number plates can make your vehicle more susceptible to criminals.

Those buying used cars must also be careful and make sure to check all car details beforehand. Make sure all VINs on the vehicle match each other and those in the logbook.

Anyone concerned they may be buying a cloned car should run the registration number, make and model of the car through the DVLAs vehicle enquiry service.

Greg Wilson, CEO and car insurance expert at Quotezone said: “The sharp rise in car cloning across London is very worrying and highlights a need for more awareness around the crime, as all drivers are susceptible to this growing type of fraud.

“Car cloning is not just a minor inconvenience – it can have serious legal and financial consequences for victims, who often find themselves receiving fines or penalty points for offences they had no part in.

“In some cases, people have unknowingly bought cloned vehicles and lost both the car and the money they paid for it.  An increase in penalty points can also increase insurance premiums from 5-25%, depending on the number of points accrued. 

“Unfortunately, there is no way to completely prevent car cloning, but there are ways motorists can minimise the risk. It’s also not sensible to share pictures of your vehicle online where the number plate is clearly visible – social media can be a goldmine for those looking to illegally copy registration details.

“While insurance companies can’t prevent car cloning, some may offer advice and assistance with legal expenses – which may help if you’ve unknowingly purchased a cloned vehicle, just be sure to check the policy details to see what’s included.

“If you suspect your vehicle has been cloned it’s important to report it to the police, DVLA and your insurer immediately and consider getting a new registration number.”

Roads Minister tests the ‘Pothole Pro’ for National Pothole Day, following record £1.6 billion government boost

UK Government pledges funding to fix up to 7 million potholes in England this year

  • Roads Minister visits JCB plant in Derbyshire on National Pothole Day, to see how the government’s record £1.6 billion boost is fixing the nation’s roads
  • new funding includes £75 million for the East Midlands which will see councils across England fill up to 7 million more potholes this year
  • as part of its Plan for Change, the government is investing to boost infrastructure and tackle the pothole plague to get Britain moving

Future of Roads Minister, Lilian Greenwood, is marking National Pothole Day (15 January 2025), with a visit to the JCB Factory outside Derby, to see cutting-edge technology helping councils tackle potholes.

Derbyshire, highlighted by the RAC as the worst area in England for potholes, is set to benefit from a share of the government’s record £1.6 billion investment to resurface across England.

This includes an additional £20 million for the East Midlands County Combined Authority, which includes Derbyshire, as part of a £1.6 billion funding for highway maintenance that will enable councils to fix up to 7 million more potholes.

At the J.C. Bamford Excavators Limited (JCB) power systems factory, the Roads Minister will speak to engineers to learn about the latest innovations being used to tackle the pothole plague. She will operate JCB’s ‘pothole pro’, a machine that can fix a pothole in 8 minutes, with a cost of around £30. The ‘pothole pro’ is currently used by 20 local authorities.

The minister will also meet with local leaders to discuss their plans for filling potholes to deliver safer, quicker and less costly journeys for all road users in Derbyshire. This is part of the government’s plans to work more closely with local authorities to ensure they have the powers to spend it where their communities need it most.

As part of its Plan for Change, the government is committed to delivering safer, smoother journeys – reducing delays, saving drivers money and going above and beyond its manifesto pledge.

Future of Roads Minister, Lilian Greenwood, said: “Potholes are a clear sign of decline in our infrastructure and for too long roads like those in Derbyshire have been left in a state that endangers and costs road users.

“It’s time for change and we are investing £1.6 billion to fix up to 7 million more potholes across England this year, including over £75 million for the East Midlands Combined Authority.

“JCB’s ‘pothole pro’ is one of the many great examples of using new technology to repair potholes faster and demonstrates how companies are harnessing new technology to repair potholes faster.

“We’ll continue to engage with local leaders and industry to ensure innovations are being used to deliver roads the country deserves.”

Ben Rawding, general manager, municipalities at JCB, said: ” We are looking forward to introducing the minister to the benefits that innovation and technology can deliver in tackling the plague of potholes in our country.

“Last month’s announcement by the Department of Transport of £1.6 billion of funding for road repairs in England during 2025 is very welcome. Our appeal to the Minister will be for this funding to be spent wisely to ensure permanent long-term repairs become the priority for local authorities making best use of value-adding, productive technology such as the JCB pothole pro.”

RAC senior policy officer, Rod Dennis, said: “There’s no motoring-related issue drivers are more concerned about than the state of their local roads – where almost everyone’s journeys begin and end.

“Going beyond merely patching potholes is the name of the game, and using the latest technology to perform permanent repairs is a much better use of public money. To stop our roads falling apart in the first place, we support councils surface dressing them at regular intervals and resurfacing those that are beyond reasonable repair.

We’d also strongly encourage drivers to report potholes they’re aware of to their local authority, via GOV.UK, the RAC website or using the Stan app.”

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The UK government’s latest road maintenance funding builds on the wider support it’s giving to councils to deliver core services and serve their communities.

£69 billion of funding will be injected into council budgets across England to help them drive forward the government’s Plan for Change through investment and reform and to fix the foundations of local government.

You can report potholes on GOV.UK, using the RAC website or the Stan app.

83% of drivers paying out of pocket for pothole damage

Insurance experts are urging drivers to understand how they can claim for motor damage caused by potholes. 

This comes after a survey from Quotezone.co.uk reveals 92% of drivers feel potholes in their local area are getting worse. 

Because of this, many drivers are having to take evasive action to help prevent an incident or unnecessary damage. 

Nine out of ten, (94%), admit to having swerved a dangerous pothole to avoid damaging their car, but the insurance experts say these actions could actually see drivers penalised, disqualified from driving, or hit with penalty points for careless and inconsiderate driving. 

Motorists could find themselves hit with fines of up to £2,500 if their attempts to avoid pothole damage are viewed as driving without due care and attention.

Of those who have experienced vehicle damage due to potholes, over four in five (83%) have paid out of pocket for repairs, while only 6% have claimed through their insurance company. 

Drivers can claim for pothole vehicle damage either through the local council looking after the road, local road authority, or through their insurance provider. 

It’s important to remember no claims discounts will likely no longer be in place for those who choose to claim through their insurance, and they will normally have to pay the excess fee, so it’s worth weighing up the savings. 

Before making a report to the local council, it’s important to gather as much information as possible to help prove eligibility to claim and that the damage was caused by a pothole – witnesses to the incident and evidence from a trained mechanic can help with this. 

Motorists are also told to record where and when the accident occurred and take a photo if it is safe to do so, noting the size and location of the pothole. Note the pothole in question normally needs to be at least 40mm deep.   Copies of this essential information can then be used when making the report to the council or local road authority depending on the area. 

Greg Wilson, Founder and CEO of Quotezone.co.uk said: “With the battle against potholes surging across the country, it’s not surprising to hear so many are having to make manoeuvres to avoid driving over dangerous potholes. 

“Costly damage to vehicles is the last thing any driver needs right now, but we want to help them understand what they are entitled to if they can prove they have experienced vehicle damage as a result of driving over an unrepaired pothole. 

“Many drivers are unaware their attempts to avoid car damage from dangerous potholes could see them penalised. From our survey, 66% of drivers admitted they were not aware swerving potholes was illegal. 

“However, with 92% saying the potholes in their area are an increasing problem and are not being fixed quickly or at all – it is not surprising to hear that so many are having to make potentially dangerous manoeuvres to avoid hitting potholes. 

“When claiming, it’s key to include as much information as possible – you could also provide contact details for anyone who witnessed the incident. 

“This will all strengthen your case when it comes to proving the damage was caused solely by the unrepaired pothole and helping you to secure the appropriate compensation. 

“If you have tried to claim through the local council and been turned away, you can look to your insurance provider for protection.  If your policy is fully comprehensive then pothole damage is normally covered as standard. 

“You will need to provide them with as much information as possible and help them to understand how the damage was solely caused by the unrepaired pothole. 

“However, when taking this route, it is important to remember your no claims discount will likely be affected, so check the policy details carefully and look for no claims bonus protection – also try quoting with the claim added to see if your premium price will change, to help you make the decision.”

Quotezone helps millions of UK drivers every year compare car insurance quotes and find real savings across all sorts of products including car insurance for learner drivers, affordable car insurance for new drivers and even fleet insurance.  

Safety checklist when driving with kids this summer

Parents heading on road trips with their kids during summer holidays are being urged to take extra precautions on the road to help keep everyone safe and avoid fines.

Motoring experts from Quotezone.co.uk are reminding parents of common driving issues when travelling with children.

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Photo credit: Pexels.com

As families prepare for summer holidays, the team at Quotezone have compiled a safety checklist to help parents setting off on road trips 

Some of the most common safety issues involve not using the car seat correctly and not fitting it securely.

It’s important to make sure to use an appropriate car seat or seat belt for the child’s age, height, and weight, while also ensuring it is properly installed and compatible with the vehicle – parents could be hit with a fine of up to £500 and points on their licence if the requirements aren’t up to scratch.

Before heading on a road trip it’s also crucial to make the call on whether or not drivers are too tired – driving in a tired state can hamper drivers’ abilities to concentrate, react and navigate the roads. 

If too tired, drivers need to seek out alternative transport, invite other drivers or delay the trip.

Other common issues include leaving loose items in the car, multitasking behind the wheel and forgetting to turn on the child lock.

Quotezone.co.uk car and travel insurance expert Catherine Boyd said: “The summer holidays can be a particularly stressful time for parents, heading off on holidays, juggling childcare and trying to keep children entertained with various road trips.

“Our list of safety tips will hopefully act as a helpful reminder of key checks that need done within the car before setting off on the next adventure.

“Children can also grow a lot over the holidays so it’s important to double check the safety measures in the car are still appropriate for the child’s age, weight and height – cleaning and refitting them regularly to make sure they are working properly.

“Quite a dangerous example, which maybe isn’t as commonly known, is the effect of keeping loose items in the body of the car itself. During a sudden manoeuvre or incident on the road, these items can become projectiles, injuring passengers, so keeping bottles of water or electronic devices stored safely in specific holders will help reduce the risk of issues.”

Here are Quotezone.co.uk’s top safety tips when driving with children:

  1. Car seat double check

The Highway Code states that children need to be in car seats until they reach the age of 12 or are at least 135 centimetres tall. For babies younger than 15 months, it’s essential to place them in a rear-facing car seat, as this is the safest position for them. It’s important to carefully follow the manufacturer’s manual for installation or seek professional assistance, and carry out regular checks to make sure the seat is not loose. 

  1. Driving when tired

Fatigue significantly slows reaction times and impairs judgement, which makes it very dangerous to get behind the wheel if you haven’t had enough rest. It’s a difficult but important decision to make if you’re too tired to drive – opting instead for public transport or inviting other drivers on the trip.

  1. Loose items

Whether it’s toys, water bottles, tablets or phones, loose items should be secured in the car to prevent serious injuries in the event of a sudden stop or collision – loose items can increase their weight by up to forty times at just 30mph.  Make sure to store loose items in specialist holders or use the boot or glovebox compartments, place phones in a mount and use drink holders for any beverages.  

  1. Phones

It’s illegal to hold and use a phone while driving, if you need to make calls you need the appropriate hands-free equipment.  If not needed it’s sensible to store your phone in the boot to avoid temptation.

  1.  Child locks

It is important to always activate the child lock when driving with children in the car, children love to press buttons and might accidentally open the car door while the vehicle is moving, it also gives the driver time to open the door when it is safe to do so, avoiding issues when parking on busy roads or car parks.  Failing to activate the child lock can be considered careless driving and may lead to fines and points on your driver’s licence. 

  1. Multitasking

Children’s behaviour in the car can sometimes be demanding, it’s important to try and remain calm and wait for a safe spot to pull over and address the children’s needs or any issues. 

Storm Isha: Motorists warned to plan ahead of weekend storms

Storm warning for motorists

As weather forecasters say we could be in for a week of thunderstorms, motorists are being warned to check their insurance policies before venturing out into the elements.

Storm Isha is due to hit the UK with strong winds and heavy rain, with gusts of up to 80mph in some areas. 

Quotezone.co.uk, a leading car insurance comparison website, says any damage to cars caused by driving through flash floods might not be covered by insurance policies.

It warns motorists to carefully check their policy exclusions, and even if routes are partially blocked, drivers should think twice before using waterlogged roads.

If drivers find themselves stuck in the car during a thunderstorm, official advice from the Met Office is to wind up the window and stay inside the vehicle – the metal frame of the car should act as a conductive Faraday cage, passing the current around the passengers and into the ground, should it be struck by lightning.

If motorists have an open or soft top vehicle, they are best to avoid driving if they know thunderstorms are coming.

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

“If a storm is predicted look at official flood warnings, avoid roads that are likely to flood and allow more time for your journey, note you may have to pull over and wait it out if the downpour starts to affect your visibility – not forgetting to put on the hazard lights.

“Unfortunately, if motorists do decide to drive through waterlogged 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 also warns motorists that have to go out, to make sure their cars are roadworthy before setting off, which includes checking tyre tread and windscreen wipers.

Quotezone.co.uk compares prices across all types of car insurance, including breakdown cover,  and niche products such as motor trade insurance – helping around 3 million users every year find better deals on their insurance. 

How young drivers can save in 2024

2023 was particularly harsh on young drivers, with premiums soaring by over 50% as the cost-of-living pressures took effect.

The sky-high cost of learning to drive combined with these higher insurance premiums and new emissions costs for older cars, are all making it a struggle for young drivers to get on the roads.

Free Man Inside Vehicle Stock Photo

Data shows the average car insurance premium for young 18-year-old drivers increased to £1207 in 2023. 

The experts at Quotezone.co.uk  have revealed ten savings hacks to help young drivers give their finances a fresh start for the new year.

One of the most important things for young drivers is to be safe and avoid penalty points, a fifth of convicted drivers in the UK have been driving for a year or less – according to a sample of over 15,000 convicted drivers, analysed by Quotezone.co.uk. 

Penalty points on a licence may not only result in a steep fine but will also bump up the insurance costs. Drivers can expect premiums to rise by 5% for three points and 25% for six points if they’re starting from a clean licence.

Young drivers or those with penalty points may be able to get cheaper insurance by opting for a telematics policy, or black box insurance.

Black box insurance starts collecting data on their driving immediately, if they’re a safe driver, this can help the insurer see them as less of a risk and may result in a more competitive price.  Although, like all premiums this year, prices are on the rise, in 2023 telematics was still able to save young drivers an average of £75 annually. 

Age group 18-24NO telematicsYES telematics
2021£1199£938
2022£1047£1050
2023£1230£1155

Quotezone.co.uk CEO Greg Wilson said:  “Young drivers had a tough 2023 with delays to driving tests and backlogs for lessons plus the rising cost of everything associated with motoring – insurance, repairs, fuel – we’re hoping 2024 is a much better and cheaper year for those new to the road.

“There are lots of things young drivers can do to help bring the cost of driving down, from knowing how to avoid even the most unusual fines and penalty points to installing a black box and keeping modifications and mileage to a minimum. 

“We’re researched the top 10 ways we think will help young drivers save in 2024 along with the essentials such as shopping around and comparing product details, annual payments if possible and reviewing when exactly is the best time to buy, normally three weeks before the policy is due for renewal is the most competitive.

“Passing your test and taking to the road for the first time is a rite of passage and it would be worrying if new drivers started to struggle to make driving a reality due to cost, hopefully our money saving tips go some way to making a more affordable 2024.”

Quotezone.co.uk’s Top ten hacks that could help young drivers save:

1.         Do check your mileage

When taking out insurance, you will be asked to estimate your annual mileage. The costs will rise in incremental bands so the more miles you drive, the more you pay so try to be accurate and realistic with your prediction.

2.         Do park in a safe place

Car owners that make use of their garages, driveways or carports for overnight parking could make big savings on their car insurance – parking on driveways rather than on the road can save you over £140 on average every year and carports could save you even more, with £230 savings on average.

3.         Do consider switching to a smaller engine

Be sure to check your vehicle’s engine size and horsepower, both can impact the cost of your premium. Also, some small engines are turbocharged and that can give them more power than might be expected, which will likely cause the premium to increase.

4.         Do keep modifications to a minimum

It comes as no surprise that adding a custom exhaust or putting in lowered suspension might cause insurance premiums to rise, but even seemingly innocuous changes such as adding branding to a vehicle can affect the cost.

5.         Do consider a black box

A telematics policy, or black box insurance – starts collecting driving data immediately, this can help the insurer with their risk analysis, safer driving increases the chances of a competitive price for young drivers.

6.         Don’t over pack the vehicle

Packing items above the seat line will impair vision, while heavy loads are likely to affect a car’s handling and stopping distances.  Overloading a car past its capacity is a punishable offence, with a fine of up to £300 and 3 points. Driving without full visibility out all windows is also punishable and could result in a £50 fixed penalty.

7.         Don’t forget your sunglasses

Sunglasses are labelled with a ranking from zero to four in order to determine their strength and the time of day they can be worn. The average pair of sunglasses is categorised as a number two – these are recommended for daytime driving.  Driving with inappropriate eyewear could be detrimental to other road users, leaving drivers unable to detect dangers.  Motorists could be hit with a £100 on-the-spot fine and up to three penalty points for driving without due care or attention. 

8.         Don’t use the wrong fuel

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

9.         Don’t leave the car switched on while waiting for friends

‘Idling’ or leaving the engine running unnecessarily while stationary on a public road goes against Section 42 of the Road Traffic Act.  Drivers risk a £20 penalty notice that will double if not paid in full within 28 days.  According to research conducted by Quotezone.co.uk, almost 11% of drivers fail to turn off their engines while waiting.** 

10.       Don’t splash pedestrians

Splashing pedestrians is actually illegal under section three of the Road Traffic Act, 1988 – and is considered to be driving ‘without reasonable consideration for other persons using the road’ – resulting in a fine of £100 and three penalty points on the licence, in some cases, fines can reach as much as £5,000 for driving without reasonable consideration for others on the road.

Quotezone.co.uk can help if you’re looking for learner drivers or  young drivers insurance.  If you live in Northern Ireland, CompareNI.com can help.  

How young drivers can save in 2024

2023 was particularly harsh on young drivers, with premiums soaring by over 50% as the cost-of-living pressures took effect.

The sky-high cost of learning to drive combined with these higher insurance premiums and new emissions costs for older cars, are all making it a struggle for young drivers to get on the roads.

Data shows the average car insurance premium for young 18-year-old drivers increased to £1207 in 2023. 

The experts at Quotezone.co.uk  have revealed ten savings hacks to help young drivers give their finances a fresh start for the new year.

One of the most important things for young drivers is to be safe and avoid penalty points, a fifth of convicted drivers in the UK have been driving for a year or less – according to a sample of over 15,000 convicted drivers, analysed by Quotezone.co.uk. 

Penalty points on a licence may not only result in a steep fine but will also bump up the insurance costs. Drivers can expect premiums to rise by 5% for three points and 25% for six points if they’re starting from a clean licence.

Young drivers or those with penalty points may be able to get cheaper insurance by opting for a telematics policy, or black box insurance.

Black box insurance starts collecting data on their driving immediately, if they’re a safe driver, this can help the insurer see them as less of a risk and may result in a more competitive price.  Although, like all premiums this year, prices are on the rise, in 2023 telematics was still able to save young drivers an average of £75 annually. 

Age group 18-24NO telematicsYES telematics
2021£1199£938
2022£1047£1050
2023£1230£1155

Quotezone.co.uk CEO Greg Wilson said: “Young drivers had a tough 2023 with delays to driving tests and backlogs for lessons plus the rising cost of everything associated with motoring – insurance, repairs, fuel – we’re hoping 2024 is a much better and cheaper year for those new to the road.

“There are lots of things young drivers can do to help bring the cost of driving down, from knowing how to avoid even the most unusual fines and penalty points to installing a black box and keeping modifications and mileage to a minimum. 

“We’re researched the top 10 ways we think will help young drivers save in 2024 along with the essentials such as shopping around and comparing product details, annual payments if possible and reviewing when exactly is the best time to buy, normally three weeks before the policy is due for renewal is the most competitive.

“Passing your test and taking to the road for the first time is a rite of passage and it would be worrying if new drivers started to struggle to make driving a reality due to cost, hopefully our money saving tips go some way to making a more affordable 2024.”

Quotezone.co.uk’s Top ten hacks that could help young drivers save:

1.         Do check your mileage

When taking out insurance, you will be asked to estimate your annual mileage. The costs will rise in incremental bands so the more miles you drive, the more you pay so try to be accurate and realistic with your prediction.

2.         Do park in a safe place

Car owners that make use of their garages, driveways or carports for overnight parking could make big savings on their car insurance – parking on driveways rather than on the road can save you over £140 on average every year and carports could save you even more, with £230 savings on average.

3.         Do consider switching to a smaller engine

Be sure to check your vehicle’s engine size and horsepower, both can impact the cost of your premium. Also, some small engines are turbocharged and that can give them more power than might be expected, which will likely cause the premium to increase.

4.         Do keep modifications to a minimum

It comes as no surprise that adding a custom exhaust or putting in lowered suspension might cause insurance premiums to rise, but even seemingly innocuous changes such as adding branding to a vehicle can affect the cost.

5.         Do consider a black box

A telematics policy, or black box insurance – starts collecting driving data immediately, this can help the insurer with their risk analysis, safer driving increases the chances of a competitive price for young drivers.

6.         Don’t over pack the vehicle

Packing items above the seat line will impair vision, while heavy loads are likely to affect a car’s handling and stopping distances.  Overloading a car past its capacity is a punishable offence, with a fine of up to £300 and 3 points. Driving without full visibility out all windows is also punishable and could result in a £50 fixed penalty.

7.         Don’t forget your sunglasses

Sunglasses are labelled with a ranking from zero to four in order to determine their strength and the time of day they can be worn. The average pair of sunglasses is categorised as a number two – these are recommended for daytime driving.  Driving with inappropriate eyewear could be detrimental to other road users, leaving drivers unable to detect dangers.  Motorists could be hit with a £100 on-the-spot fine and up to three penalty points for driving without due care or attention. 

8.         Don’t use the wrong fuel

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

9.         Don’t leave the car switched on while waiting for friends

‘Idling’ or leaving the engine running unnecessarily while stationary on a public road goes against Section 42 of the Road Traffic Act.  Drivers risk a £20 penalty notice that will double if not paid in full within 28 days.  According to research conducted by Quotezone.co.uk, almost 11% of drivers fail to turn off their engines while waiting.** 

10.       Don’t splash pedestrians

Splashing pedestrians is actually illegal under section three of the Road Traffic Act, 1988 – and is considered to be driving ‘without reasonable consideration for other persons using the road’ – resulting in a fine of £100 and three penalty points on the licence, in some cases, fines can reach as much as £5,000 for driving without reasonable consideration for others on the road.

Quotezone.co.uk can help if you’re looking for learner drivers or  young drivers insurance.  If you live in Northern Ireland, CompareNI.com can help.  

Holidaymakers warned to protect their caravan from thieves this summer

Brits are being warned failure to properly protect their caravans against theft or damage this summer could have huge financial consequences. 

Motoring experts at Quotezone.co.uk warn thousands of holidaymakers could be seriously out of pocket if an uninsured caravan is stolen or damaged while parked.

With many motorists set to take to the roads with touring caravans in tow this summer, experts are warning of the consequences for having incorrect caravan insurance.

Many car insurance policies will provide holidaymakers with basic third-party liability cover for towing a touring caravan. 

However, with 4,000 caravans stolen each year, specific insurance to cover the costs of theft is the best way to ensure Britons aren’t left out of pocket.*

Car insurance will not cover a caravan while it is parked or if it sustains damage. This is why experts encourage Britons to take out dedicated caravan insurance. 

Caravan insurance protects those who are victim to theft of personal belongings or fire damage to their caravan. 

Leaving a caravan vulnerable to tampering, accidental damage or theft could also leave holidaymakers paying hefty sums to fix or repurchase their caravan. 

Brits are encouraged to make sure they are keeping their caravan as secure as possible, with over 17% of those surveyed choosing to park their caravan in a communal caravan park. 

Before setting off with a caravan in tow this summer, holidaymakers must alert their insurer to let them know of plans and make sure the vehicle is fully covered. 

Insurance providers may wish to adjust premiums of those towing caravans. Failure to update providers may lead to refusal to pay out on any claims made. 

It is also important for motorists to review their breakdown cover, as some policies will only cover car breakdowns. This could leave motorists having to leave their caravan behind in the case of a car emergency. 

Greg Wilson, Founder and CEO of Quotezone.co.uk said: “With caravan thefts on the rise and so many due to travel this summer, it has never been a more important time to make sure you are fully insured against any accidents or emergencies. 

“Although sorting insurance isn’t the most exciting summer prep. It could help you from forking out on repairs or covering recovery for your touring caravan in the case of a breakdown on the way to your holiday destination. 

“Many car insurance policies will provide holidaymakers with basic third-party liability cover for towing a touring caravan, but this doesn’t cover everything. 

“We encourage anyone towing a caravan to take out specific insurance for their home away from home. This way, you can get off on your holiday with no worries over cover for your vehicle or caravan.

“But, we also wanted to provide some safety tips to ensure your caravan is as protected as possible this summer. 

Here are Quotezone’s top tips to keep caravans safe from theft or damage: 

  1. Secure storage

Many Brits are able to park their caravans at their private residence on a driveway with a barrier, but those without this option must choose carefully before securing their touring caravan for extended periods of time. If parking at a communal caravan park, make sure to remove all valuables or keep them out of sight for anyone who may be able to peer in through the windows. Make sure to also choose a reputable park with good access control.

  1. Wheel locks

There are wheel locks designed for caravans to make it impossible for anyone to remove without your say-so. Make sure to buy one for caravans specifically in order to get the most effective outcome. 

  1. Install a caravan alarm 

There are lots of caravan alarms on the market for those looking to take extra measures to keep their holiday home secure. A great deterrent for thieves is to make it clear you have an alarm installed by putting stickers in your windows. If parked in a caravan park, the loud noise caused by the alarm will not only deter thieves from your caravan but will also let other owners know there are potential thieves in the park grounds. 

  1. Storing at home

If storing your caravan at home, try to make sure you can park it to the side or back of your house if possible. Those who aren’t able to do this should park their car behind their caravan on a driveway or use a cover to disguise the van’s worth and attractiveness for potential thefts.