Tag: Quotezone

Hay fever: high pollen warning for Scotland’s motorists

The Met Office is issuing a ‘high’ pollen forecast for Scotland, south of Grampian and The Highlands, which could give hay fever sufferers more than watery eyes from today.

Scottish hay fever sufferers who are vulnerable to grass and nettle pollen and Cladosporium spores, which will increase in intensity during bright warm weather should take note, especially if they take medication to lessen symptoms.

The Met Office forecast has led to a warning from one of the country’s leading car insurance comparison websites, that many motorists are unaware of the fact that ‘driving under the influence’ could result in hefty fines and points on their licence.  Some hay fever medications could see drivers committing this type of motoring offence without even realising it.

Insurance comparison website Quotezone.co.uk says the government legislation that bans driving while under the influence, does not distinguish between illicit drugs, prescription medication and over-the-counter medications.  This means any type of drug that affects a motorist’s driving abilities could potentially result in a drug-driving conviction, even if it’s something as simple as hay fever medication that causes drowsiness.

One in four people in the UK has hay fever, that’s approximately 16 million people, according to the Natasha Allergy Research Foundation.  Grass pollen is arguably the biggest cause of seasonal allergies, affecting approximately 90% of hay fever sufferers – with peak season from mid-May until July.                                                           

Scotland’s hay fever sufferers could consider the following advice before getting behind the wheel:

Five driving tips for hay fever sufferers

Check medication – antihistamines and hay fever medications can differ in strength, check with the doctor if in any doubt about possible side effects and always read the label – the warning, ‘do not operate heavy machinery’ is commonly found and applies to cars, forklifts and any other heavy machinery.

Plan journeys – check the Met Office Pollen warnings or download the weather app, which gives a 5-day forecast for high pollen counts. 

Keep the car as pollen-free as possible – clean the car regularly to get rid of dust that could trigger symptoms before setting out, regularly change pollen filters in the car’s ventilation system and keep car windows closed during journeys.  

Get stocked up – keep the car stocked with fresh tissues, hay fever medicine, a bottle of water, eye drops, anything used to ease the symptoms, should they strike unexpectedly. 

Drive safely – better to err on the side of caution, giving lots of space to fellow road users and taking breaks if hay fever symptoms start.  If drivers don’t feel well or the pollen count is high, play it safe and don’t make non-urgent journeys.

Greg Wilson, Founder of Quotezone.co.uk, comments:  “A lot of people aren’t sure exactly when the hay fever season starts, it actually runs for seven months of the year – March to September – depending on the type of pollen people are allergic to, so it can catch drivers off guard.

“Most people assume that the term ‘drug-driving’ refers to driving while under the influence of illicit narcotics, but the truth is that driving after taking any type of drug, could result in a motoring conviction if the motorist’s driving abilities are impaired.

“While some hay fever medications are non-drowsy, some types do cause drowsiness, and some prescription hay fever tablets in particular carry a ‘do not operate heavy machinery’ warning. If a driver fails to obey this warning and gets behind the wheel, they could risk a hefty fine of up to £5,000, points on their licence and endanger themselves and other road users.”

Quotezone.co.uk compares quotes from over 110 UK car insurance providers, helping over 3 million users find a more competitive deal each year on everything from car insurance to electric car insurance to convicted driver insurance

Oh man! Penalty points hit male motorists where it hurts

Male motorists are clocking-up more than twice as many penalty points as their female counterparts, according to new data from the Department for Transport (DfT).

Male drivers racking up three penalty points on their licences currently total 1,343,700, compared to 606,700 for female drivers, as of the 5 February this year.

The number of male drivers with six points is 395,000, whereas with female motorists the figure is 120,600.

Greg Wilson, Founder of Quotezone.co.uk, a leading insurance comparison website, comments: “The data suggests that women are the more cautious drivers – racking up less penalty points. However, the differences are stark to say the least and concerning.”

Greg Wilson warns that law breaking motorists will feel the effect: “At a time when all of us are looking to tighten our belts, penalty points can really hit motorists in the pocket. In addition to legal fines that accompany the points, offending motorists’ insurance companies will reassess how they see their risk and in turn premium.

“Three points can raise insurance premiums by 5%, but can rachet up fees by as much as 25% if a motorist has six points on a licence. Remember, penalty points stay on a licence for four years and the corresponding rise in insurance fees may do so as well.”

The data further shows that 1,120 women and 6,100 men have 12 points on their licences, which leads to an automatic ban – called a TT99. If a driver is disqualified from driving under this ‘totting up’ system, they will have had a TT99 conviction code added to their driving record, which means they’ll likely have to pay considerably more for their ‘TT99 insurance’ after the period of disqualification ends. 

Greg Wilson continues: “Motorists who can prove exceptional circumstances in court may be allowed to continue driving, but the courts are far from pushovers and the judge has the power to award the maximum fine and determine the length of the ban – over 56 days means the driver has to reapply for the license and maybe even retest.”  

Insurance providers are prohibited from using gender as part of their risk analysis calculation, as per The Equality Act established in 2010.  They use other factors such as the level of no claims bonus secured, age, postcode, vehicle specifications and of course, number of penalty points incurred, to help determine the most appropriate premium price per customer.

Motorists who want to reduce the effect of penalty points might try the following to keep their premiums as low as possible:

  • Sign-up to a telematics product recognised by their insurance firm, which allows them to showcase their new safer driving behaviour
  • There are specialist insurance policies for drivers with penalty points that can help – shop around on comparison websites for specialist driver policies
  • Parking in a more secure location overnight can really reduce fees, if they have a garage or a private driveway use it and let the insurer know
  • Choosing a car without branding or modifications and even a smaller engine can also help reduce premiums
  • Installing a dashcam can help too – insurance providers may offer discounts if drivers have one fitted

Quotezone.co.uk compares prices across all types of car insurance, including TT99 insurance and  convicted driver insurance, 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. 

Cycling and mobiles don’t mix: Peer calls for law change

Mobile use while cycling should be banned, says peer

A new call from Baroness McIntosh of Pickering has highlighted a loophole where cyclists can still legally use mobiles while in the saddle – even though motorists cannot.

The former MP wants a law change so cyclists are prosecuted for the offence of using a phone – the same as car drivers.  Presently there is no specific offence for a cyclist using a phone, but a minister pointed out cyclists can be prosecuted for careless or dangerous cycling with fines of up to £2,500.

The peer says she has recent personal experience of being in danger from a cyclist using a mobile.  She claims a cyclist was on the wrong side of the road using their mobile phone with one hand, while she was attempting to cross over to the Houses of Parliament.

The Baroness’ plea follows Highway Code changes in January that introduced a ‘hierarchy of road users’ ranking the most vulnerable to harm, such as cyclists and pedestrians, and placing the greatest responsibility on car drivers for the safety of other road users – giving cyclists greater priority over vehicles at zebra crossings and junctions.

Lady McIntosh also asks why the code’s Rule 149 to ‘exercise proper control of your vehicle at all times’ bans mobile phone use yet does not apply to cyclists and e-scooter users. A further law banning handheld mobile use for car drivers came into effect on 25 March.

A leading cycling and motoring insurance comparison website, Quotezone.co.uk, hopes the new law on using mobile phones will come into effect equally across all road users.

Greg Wilson, Founder of Quotezone.co.uk comments: “It makes sense to review mobile phone use for all road users given the zero tolerance approach to motorists brought into effect at the end of March.  We should embrace any and all efforts to make our roads safer and using a phone while cycling can be particularly dangerous. 

“If the phone is there to act as a bike computer it should be attached safely with a hands-free product such as a quad lock or bike-specific phone case but even then, with the rise in the volume of potholes over the course of the pandemic, cyclists need their full attention to cope with the unexpected

“Cyclist and bicycle insurance can help protect the bike riders and other road users by safeguarding their finances from claims, covering medical expenses, personal liability, theft and damage to property but it can’t keep people out of harm’s way.  We need to respect the new changes to the highway code and look out for more vulnerable road users, this new law should help take that further.

“Bicycle insurance isn’t a legal requirement at present like car insurance is, but it should be something every cyclist has before hitting the saddle and it isn’t expensive, especially when using a comparison site to compare providers. For those with a bicycle under £1,000 it can even be added to their home insurance as a specified item.”

Quotezone.co.uk launched the UK’s first bicycle insurance comparison website with bespoke bicycle and cyclist insurance providers covering a wide range of products such as road bike insurance, electric bike insurance and courier bike insurance. 

Roaring Twenties makes a return as consumer spending rockets

As the UK finally begins to emerge from the pandemic’s profound disruption to normal life, new patterns in consumer behaviour are taking shape. 

Increases in consumer spending at the start of this year, coupled with the acceleration of GDP throughout 2021 to levels not seen since the second World War, suggests that Brits are set to re-live aspects of the post-war Roaring Twenties, characterised by a surging economy and mass consumerism.*  

New data from Quotezone.co.uk highlights that business is booming in line with consumer spending as demand for commercial property insurance increased by 45% in the last six months of 2021. And just as the 1920s welcomed a new era of entrepreneurship and creativity, this boom has been largely led by smaller high street shops, businesses, salons, and pubs.  

As highlighted by the British Retail Consortium (BRC), consumer demand in January has been concentrated on the high street as the public flock back to homeware shops, restaurants, and clothing stores.

Quotezone.co.uk’s data supports this, showing that the driving force is demand for retail outlets rather than office space, with demand for offices falling even lower over the last six months compared to 2020, falling by 83%. 

Greg Wilson, Founder of Quotezone.co.uk, a leading financial comparison platform, comments: “As retail sales surge and the UK’s GDP finally gets back on track, we’re beginning to see positive trends emerge for post-pandemic Britain.

“It’s encouraging to see such strong retail sales even in light of rising living costs. The spike in consumer demand is hopefully a sign that we’re entering our century’s very own Roaring Twenties.  

“It’s interesting that demand for office space has continued to drop dramatically, even though restrictions have been easing for several months, reflecting the continued popularity of working from home – showing that, like the 1920s, a major change in lifestyle is here to stay with a focus on the work-life balance. 

“However, as the majority of covid restrictions are now lifted, we may start to see demand for office space increase for the first time in two years – with many firms keen to explore the hybrid work model. 

“We champion increased consumer confidence and economic recovery, but consumers must remain vigilant. Many will face challenges in the coming months, particularly with rising energy and transport prices, so it is important to get value for money and find savings where possible. 

“A good place to start is checking how competitive suppliers are by not auto-renewing, reviewing direct debits, ordering in bulk and looking to sell or repurpose existing household items that are no longer needed.  Shopping around is key, comparison websites can help you compare policy details and prices all in one place so it’s easier to see what’s a fair price.” 

Quotezone.co.uk is one of the UK’s leading financial comparison platforms, helping millions of consumers find better deals on everything from personal loans to credit cards, and from car insurance to commercial property insurance.

Top tips to combat Cost of Living Crisis

PRACTICAL POINTERS TO HELP BATTEN DOWN THE HATCHES AGAINST SPIRALLING ENERGY COSTS

The last two years has created the perfect storm for cost-of-living problems across the UK and it’s speculated that things could get worse by April. 

As many households struggle to reach the first payday since before Christmas, we explore the measures households can take now to help make things more manageable.

New research shows that lower income households in the UK may have to spend half their income on energy. The industry regulator, Ofgem, has also announced that it will increase price caps in April, painting a bleak picture for some consumers.

UK households should double check they’ve made use of all the help available this winter such as:

·        Government schemes: research government schemes like the Winter Fuel Payment which provides £100 to £300 to help pay heating bills. Customers are eligible for the scheme if they were born on or before 26 September 1955.* Be aware that the government is also exploring options such as making payments to energy suppliers to soften the blow to consumers.

·        Switch providers: according to Ofgem, households can save around £360 every year. Switching provider doesn’t just help save money, it can also allow consumers to seek out more environmentally friendly suppliers and those with better customer service. 

·        Tax relief: check out the tax relief option, which allows anyone working at home on a regular basis to claim relief on gas and electricity bills – as well as metered water and business phone calls. HMRC are offering relief worth £312 per year with no need to provide receipts or factor in any complicated calculations. 

·        Discounts and efficiency checks:  use energy efficient lightbulbs – a relatively inexpensive solution which helps to reduce costs over a long period of time.  Also, look out for schemes such as the Warm Home Discount that provide a one off discount of £140 off the winter electricity bill between September and March.**

Greg Wilson, Founder of energy comparison website Quotezone.co.uk, comments: “Given the upcoming rise in energy price caps in April, it’s important that people get on the front foot and look for ways to save.

“If you’re eligible, making use of the government’s schemes to help with the cost of energy bills is a good start. There are many schemes out there, including the Warm Home Discount and Winter Fuel Payments scheme, that should make bills a little easier to pay. These schemes are targeted to both the elderly and those on a low-income, providing support to the most vulnerable demographics.

“But there are also many other ways to tackle increasing energy cost – one of the most effective ways is to switch provider, a process which has never been easier. By choosing an Ofgem-accredited comparison site, consumers can get an understanding of what’s on offer across a range of energy suppliers – instantly providing an overview of more competitive prices.”

Quotezone.co.uk is one of the leading price comparison websites in the UK, helping over 3 million users find more competitive deals.

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. 

Scotland leads way in switch to green motoring

Scotland is at the forefront of the country’s switch to greener motoring according to new figures from the Department for Transport.

The figures reveal that from 1 October 2021 to 1 January, Scotland had the highest ratio of publicly accessible rapid charging points for electric vehicles with 12.9 devices per 100,000 residents.

Following Scotland are the South East and North East with 8.6 devices per 100,000 population. The average across all regions was 7.7 per 100,000.

After London with 102 charging devices per 100,000 residents, Scotland had the best accessibility to public (non-rapid) charging points with 52 for every 100,000. The national average is 42 devices per 100,000.

Nationwide, new charging points for public use went up by 9% in the three months to 1 January. There are now 2,448 more available charging devices across the country. Publicly accessible rapid charging devices increased by 233, a 5% rise over the same time period.

This brings the total of publicly accessible charging points nationwide to 28,375, of which 5156 are rapid charging devices.

Greg Wilson, founder of www.quotezone.co.uk’s comments: “It’s likely that Scottish drivers, like those across other parts of the country, are nervous that the 2030 deadline for car dealerships to cease selling new fossil fuel vehicles isn’t that far off and that the infrastructure to charge electric vehicles isn’t ready.

“But this boost in activity in the last three months in Scotland, building on an already established upward trend, is reassuring. 

“Let’s hope this pace continues so that Scottish drivers feel the electric option is a valid one, and that barriers to the green motoring revolution such as ‘range fear’ are a thing of the past, with a wide and evenly distributed network of rapid charge and electric charging facilities.”

Tanya Sinclair, Policy Director UK & Ireland at ChargePoint, said: “We welcome the Scottish government’s commitment over the next four years to invest in charging points across the country.

“The investment goes further than just a cash boost and is specifically designed to attract private investment in EV charging, which is what makes this investment really positive for the EV charging sector. In contrast, funds in England are channelled to local authorities who are resource constrained and shouldn’t be expected to provide EV charging on top of the essential services we rely on them for.

“To increase the overall adoption of EVs in the UK, we would encourage the other devolved nations to follow Scotland’s lead to help increase the amount of chargers. The government has earmarked money to solve the issue of rural charging infrastructure but it has not yet been spent.

“Along with this funding, the UK government must also drive the installation of charging stations, as it is vital that chargers are easily accessible throughout the country, not just big cities.

“As well as  increased investment in on-street electric car charging, the government must also focus on helping key charging locations such as workplaces electrify in a cost effective manner.

“This needs to be  done quickly but correctly – it’s not just about needing a large concentration of charging stations but the speed, location, ease of use and incentives need to be carefully considered.“

Recommended by 97% of reviewers, Quotezone.co.uk helps around 3 million users every year, with over 400 insurance brands across 60 different products including electric car insurance -recommended by 97% of reviewers.

Scottish electric vehicle registrations up 75% in a year

Ultra low emission vehicles (ULEVs) registrations across Scotland shot up by 75% between July-September compared to the same time a year before.

The Department for Transport’s (DfT) figures show that at the end of September, 38,600 vehicles belonged to Scottish residents, up from 22,100 for July-September 2020.

The data shows the longer-term pace of moving to electric vehicles went-up by 50% from Q3 2019 to Q3 2020.

North Lanarkshire – 104%, Shetland Islands – 98% – and Stirling – 93% – had the strongest take-up of electric vehicles. The lowest ULEV registration growth was in the Orkney Islands – 22% – and Na h-Eileanan Siar – 46% – with all other local authorities posting rises over of 50% for electric car ownership.   

Across Great Britain ULEV registrations hit 40%, with ULEVs making up 15.3% of all new registrations in the third quarter, some 83,000 vehicles.

More battery electric cars (BEV) – 51,000 – were registered for the first time than diesel cars -35,000 units. This followed a 44% increase in BEV car registrations in Q3 2021 than the same period a year before.

Petrol car registrations fell 41% and diesel by 66%. Average CO2 emissions for cars registered for the first time in the UK went down by 14%.

Greg Wilson, Founder of Quotezone.co.uk, a leading insurance comparison website, comments: “Scottish motorists are firmly at the forefront of the green industrial revolution when it comes to motoring.

“Government initiatives such as more public charging points and more home charging grants can only fuel Scottish electric vehicle registration growth over this year.”

Quotezone.co.uk compares prices across all types of car insurance, including electric car insurance, 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. 

‘Can I borrow the car?’

Don’t give your festive guests the gift of penalty points this Christmas

With children heading back from university for Christmas or friends and family coming to stay, many hosts will be confronted with the same question: ‘Can I borrow your car?’ 

Such requests are likely to be even more common this year, with many guests trying to avoid public transport or staying for longer periods to make up for the time apart during the pandemic. 

However, according to leading insurance comparison site Quotezone.co.uk, obliging hosts should be aware that depending on the insurance in place, they could face losing their no claims bonus – or even getting in trouble with the law.

According to research from the Office for National Statistics, almost two-thirds of UK students have moved out of their family home to study at university – meaning when they do flock home for the festive season they are unlikely to have a permanent insurance policy in place on the family car.

Greg Wilson, Founder of Quotezone.co.uk, comments: “Whether or not to let children or guests drive your vehicle is a seasonal dilemma for many hosts, and the pressure will be even greater this year. However vehicle owners need to be aware of the insurance options before handing over the keys.

“Perhaps the most obvious solution is to add the other person to your own insurance policy as a named driver, particularly if it’s your own children that are asking to borrow the car. However, if they are involved in an accident, you could lose your no claims bonus.

“An alternative is for them to take out a separate policy in their own name. Temporary policies can be arranged for anything from a few hours to a month, and could give you greater peace of mind, especially if you have a large no-claims bonus. It may also work out cheaper too because you aren’t insuring them for the full year.

“Either way, insurers will want details of your guests including their driving licence and details of any convictions.

“Whichever option you choose, the most important thing is to ensure that your guest does have insurance in place. There is still a common misconception that anyone with comprehensive insurance on their own vehicle is automatically insured to drive another car on a third-party basis. However, this isn’t always the case so it’s important to check whether their policy specifically includes ‘driving other cars’ (DOC) cover.

“Driving without insurance is a serious offence punishable by a minimum £300 fine and six penalty points. In more serious cases, the driver may be given an unlimited fine or disqualification and the police may have the right to seize and destroy the vehicle, even if it belongs to someone else.  The vehicle owner could also be committing an offence and may be given points and a fine.”

Where children or other guests do stay for longer periods and hosts add them to their own policy,  they should be wary of how much time they spend behind the wheel  The main policyholder (known as the proposer) should still do the bulk of the driving, because if someone else is driving more often it could be regarded as ‘fronting’, a type of insurance fraud that could result in a large fine and a criminal record. 

Quotezone.co.uk helps around 3 million users every year, with over 110 UK car insurance providers including niche products such as temporary insurance, named driver insurance and third party insurance.  

Winter is here: seasonal driving hacks to save motorists money

A leading insurance comparison firm is revealing the top winter driving hacks that could help motorists avoid higher premiums and retain those all-important No Claims Bonuses.

Quotezone.co.uk says many motorists overlook the winter conditions and can make unnecessary mistakes that will hit them hard in the pocket.

The firm, one of the UK’s leading car insurance comparison websites, says even minor adjustments in behaviour could save hundreds of pounds. Here they lay out some of the pitfalls motorists can find themselves in this winter: 

Defrosting – It is tempting to leave the engine running while the windscreen unfreezes, and the car warms up. However, if an opportunistic thief takes the vehicle, many insurance companies will not cover the loss. 

Leaving engines running is also an offence under section 42 of the Road Traffic Act 1988. Doing this is known as ‘idling’,and is bad for the environment as it increases the amount of dangerous gases emitted into the air from the car’s exhaust.

Don’t use boiling water on windscreens – Glass can crack when it experiences a sudden change in temperature, and windscreen damage isn’t always covered by a standard car insurance policy.

Simply using a frost guard, a defogger or even homemade de-icer – lukewarm water mixed with rubbing alcohol.

Clear your windscreen before you set-off – Windscreens with inhibited views can land owners 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 setting out.

Check tyres – Motorists can be fined an eye-watering £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. 

Commercial vehicle drivers, where the car or van is owned by their employer – could land firms with penalties of up to £20,000.

Numberplate – Excess mud and grit on the roads this time of year can make your car dirty very quickly, and if the numberplate isn’t clearly visible, drivers could face a fine of £1,000.

Floods – 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.

Avoid puddles – Soaking pedestrians by deliberately driving through large puddles can results in a £100 fine and three penalty points.

Greg Wilson, Founder of car insurance comparison site Quotezone.co.uk said: “As winter approaches, it’s not just the fines that motorists should worry about, points on a driving licence are noted by insurers as a sign of how safe a driver is and what the risk of a claim might be when calculating premiums.

“Three points on a licence can add 5% to premiums every year until the points are spent after four years. Six points pushes premiums up by as much as 25%, and let’s not forget No Claims Bonuses and what they might be worth if they’ve been built up over time and now have to be accrued again from scratch.

“Careful, considerate and patient drivers who plan for the winter weather and adjust their behaviour to meet the conditions give themselves the best chance of avoiding points and keeping their premiums low.” 

Quotezone.co.uk helps around 3 million users every year, with over 400 insurance brands across 60 different products including car insurance, convicted drivers and breakdown cover. 

Quotezone.co.uk is recommended by 97% of reviewers on Reviews.co.uk