Stacking the Odds in the Favour of Young Drivers

young driversYoung drivers are facing bad odds when it comes to staying safe on the road.  They are the demographic group of drivers most likely to be in an accident and for that accident to involve a fatality or a serious injury.  While the odds may be against them statistically there are tools and decisions to be made that can stack the odds in their favour.

Parents can make a major difference in the safety of their young driver by setting a good example and driving safely themselves.  Young drivers were once just passengers in the back seat of the parent’s car.  Children watch and repeat the behaviours they see from their parents.  By driving safely and avoiding distracted behaviours and unsafe driving practices, parents can set young drivers up for success.

Choosing telematics car insurance is a tool to help keep young drivers safer since it serves as a constant reminder to drive safely.  The product uses a GPS unit to monitor the driver’s habits behind the wheel.  Driving data collected is reviewed by the car insurance provider for risk assessment and premium costing.  Safe driving could offer the possibility for discounted rewards on premiums.  Some policies offer parental alerts when unsafe driving events occur such as speeding or hard braking.  While the product can’t guarantee a young driver will drive safer it could serve as a safety reminder while offering quality coverage at an affordable rate.

Safety experts suggest parents choose the car with the most safety features for their young driver.  While it is true that young drivers often get the “hand me down” family car or a used car for their first car, it should not negate the need to look for as many safety features as possible.  Enclosing the young driver in the safest car available could make the difference should an accident occur.

Setting rules with young drivers is another essential tool to keeping them safe on the road.  Studies have shown that the presence of a peer aged passenger in the car with a young driver increases the likelihood of an accident.  The more peer aged passengers present in the car the higher the odds become of there being a serious accident.  By limiting the number of passengers in a car with a young driver, parents are setting safety standards that could make all the difference.


Drivers Less Safe in Popular India Built Cars According to Crash Tests

crash testDrivers choosing popular small cars built in India are less safe than they should be according to a study by UK based safety watchdog Global NCAP.  The tests concluded that if the five cars tested that failed their crash tests were involved in an accident that the occupants inside were in risk of serious injuries or a fatal injury.

The car safety test by Global NCAP involved five popular models including the Suzuki-Maruti Alto 800, the Tata Nano, Ford Figo, Hyundai i10 and the Volkswagen Polo.  The Tata Nano is the world’s cheapest car.  The five models account for 20% of all sales in India last year.

The cars were apparently made cheaper for manufacturing by removing many of the safety features that would be found in other car models by the same manufacturers.  None of the five models were fitted in manufacturing with airbags that would be standard on most models in Europe, Canada and America.

Max Mosley, head of NCAP Global, said, “It’s worrying to see levels of safety that are 20 years behind the five-star standards now common in Europe and North America.

“Poor structural integrity and the absence of airbags are putting the lives of Indian consumers at risk. They have a right to know how safe their vehicles are and to expect the same basic levels of safety as standard as customers in other part of the world.”

Young drivers are the most likely to be involved in a car accident within the first year of their driving solo.  It is this reason that they should be behind the wheel of the safest car possible.  Parents are encouraged by safety experts to look for cars that have safety features when choosing one for their young driver.

Insurance Claims for Holiday Storm Damage Exceed Expectations

holiday storm damage claimsCar insurance claims for storm damage and flooding that occurred over the Christmas and New Year holidays have hit an unexpected level much higher than first thought.  The Association of British Insurers has estimated that all insurance claims, including home, car and businesses, currently submitted equal £426 million and more are expected to arrive.  The UK experienced bad weather with heavy rain, flooding and strong winds between 23 December and 8 January.

Community areas are also experiencing higher than expected expenses to correct damages from the storms.  Roads are in need of repair as are some public buildings and areas.

The probable end result claim payouts will not make the Holiday Storms the most costly but in terms of cost it could end up on a short list of the costliest.

Aidan Kerr, ABI assistant director, said, “Insurers are playing a crucial role in helping customers affected by the storms and floods recover.

“Together with loss adjusters, insurers reacted quickly to help flood victims get through Christmas. Insurers will continue to work closely with customers to ensure the repair process is completed as soon as possible.

“This was a traumatic event for those affected, and shows the importance of having adequate property insurance. The insurance industry is fully prepared to deal with the damage caused by bad weather like this.”

Unexpected events as well as unexpected accidents can interrupt daily life.  Insurance serves as a safety net to keep those impacted from experiencing difficult financial situations.  Only through quality insurance coverage can a person have peace of mind.  Car insurance offers drivers the peace of mind that they will be protected financially and drivers should seek out a policy that offers the best match of needed coverage.

Renewal Time is Saving Time with Telematics Car Insurance

car insuranceThe changing calendar each year brings new opportunities.  For many drivers it also brings renewal time for their insurance policy.  Drivers are burdened with many expenses each day and car cover is just the beginning.  Maintenance costs as well as the cost of petrol put in the tank each day both add expenses which make it difficult for some to keep their car on the road.  Car cover is required of all drivers and insurance cost must be affordable in order for drivers to weather the storm on the family budget.

Renewal time could mean saving pounds time for many drivers.  A new car insurance product known as telematics pay as you drive car insurance is making it possible for drivers to potentially save money quite simply.  Drivers are saving pounds by driving their car with safety in mind and it is changing the car insurance industry.

Telematics car insurance is becoming popular and an excellent reason for drivers to keep their eyes open when it comes to renewal time of their existing car cover.  Telematics car insurance is a new insurance product which is making drivers form new opinions about what cover is capable of.

Never before has a car insurance product made saving pounds possible.  Telematics car insurance comes with a built-in scheme to help drivers save money by rewarding those who handle their cars with safety.

Slowing down, braking with room in front of the car to spare and cornering with caution are things which could easily lead to drivers being rewarded with discounts applied to future costs.  Drivers must be aware of renewal time and take advantage of it.  It is a perfect time to check out an insurance product like telematics car insurance.

Telematics Car Insurance Brings Cover Purists a Step Forward

telematics car insuranceCar insurance is a required product of all drivers of UK roadways.  It has been around for decades and has come to be relied on for protection and financial support during times of car repair.  Not only do drivers get protection for themselves, but also other drivers who might be involved in a car crash.  Car cover purists have come to appreciate these types of features of car insurance as they have been consistent through the years.

There is now a new type of cover available for not only purists, but also new drivers as well.  It is called telematics pay as you drive car insurance and is turning heads of all drivers throughout the UK.

This new type of cover is completely unique to all other types of cover.  Purists can appreciate telematics car insurance due to its protection and support that traditional car insurance has always offered.  Telematics however offers more.  It offers the protection of old style cover with new benefits to drivers.

Car cover purists are able to reap the benefits of car insurance with added benefits.  Telematics car insurance is an insurance product with punch.  It involves technology which has been available for years, but is just now entering the car insurance industry.

A mobile phone-size device is installed in the interior of the insured car which monitors driving habits.  Habits like acceleration, braking and cornering are monitored for evidence of safely handling a car.  Drivers handling their car with safety receive rewards in the form of discounts which are applied to future monthly car insurance costs.

Drivers Give More Consideration to Elderly Drivers

telematics car insuranceDrivers know to keep adequate distance between their own car and that of the one in front of them to allow defensive maneuvering if needed.  Drivers may know to allow space between cars but few actually do it, especially when hurried.  However, a new study has found that if a driver knew that the one in front of them were driven by a senior driver then they would tend to follow better safety rules and cautiously give more distance between cars.

AA conducted the survey with Populus and surveyed 17,629 drivers.  Of those polled, 47% admitted to trying to give more distance when they knew the driver ahead was elderly.  The data revealed that the consideration to senior drivers was there no matter the age of the driver so young drivers were as prone to the behaviour as other aged drivers.

Drivers also admitted being impatient when following learner drivers.  Surprisingly, younger drivers were the least patient with learner drivers with 31% admitting to losing their patience when behind learner drivers.  This contrasts with the same group showing a lack of patience with only 15% when the driver ahead was an elderly driver.

Edmund King, president of the AA, said, “We’ve got a careless driving fixed penalty offence now, that was introduced last year, and technically you should be able to get a fine and penalty points for tailgating.

“Tailgating is one of the biggest dangers on the motorway — in many ways more dangerous than speeding. In all our surveys, along with the middle-lane-hog the tailgater comes out as one of the top pet hates.”

Telematics Car Insurance Allows Insurers to Commend Drivers

telematics car insuranceDrivers are required to purchase car cover the moment they take a journey after receiving a driver licence.  It has been a necessity for decades and will continue to be.  This car cover protects drivers in the event of a car crash or other similar unfortunate event.  Drivers have always accepted the fact they must purchase car insurance and have never expected anything else from insurers except assistance in the event of a crash.

Times have changed and now drivers can expect more from their car insurance.  A new product providing more is telematics car insurance.  This product is available now and sweeping the country with enthusiasm.  Drivers can now purchase a product which potentially helps them save money by simply driving with safety.

Telematics was developed with safety in mind and provides opportunities car cover has never offered in the past.  It is an insurance product which comes with a built-in scheme to reward drivers who can drive safely as a small device monitors their driving habits.

The small device is mounted on or near the dashboard of the insured car.  It takes about an hour to install and does not affect the warranty of the car.  The device monitors driving habits as well as performs other tasks.

As insurers evaluate data collected by the small device, drivers become eligible to receive rewards which are passed to them in the form of discounts applied to future monthly car insurance costs. Telematics car insurance is making it possible for drivers to be rewarded and commended by insurers simply by driving with safety in mind.