Drivers May Face Smoking Ban if Children are Passengers

ban on smoking with child in carDrivers may soon be forbidden to smoke in their personal cars as David Cameron is said to be considering the restriction.  The ban would be specific to those cars with children as passengers.  Possible fines would range in the area of £60 for a driver or adult in a car that smoked with children present.

Should the vote for the new restriction fail to pass then it is expected it would be included in the manifesto of the Labour party for their next election.

Smoking in workplaces and public areas has been restricted in England since 2007.  The savings in health care dollars is suspected to be in the millions of pounds as people have been able to avoid breathing in second-hand smoke from those that choose to smoke despite health warnings.

The ban against smoking in a car when children are passengers would not be trend setting as a new consideration to further cut back those exposed to second hand smoke.  Such a ban is already in place in many areas of America, Australia, and several European countries.

Andy Burnham, Shadow Health Secretary, made a comment to Sky News in an interview saying, “When it comes to improving the health of children, we are duty bound to consider any measure that might make a difference.

“Adults are free to make their own choices but that often does not apply to children and that’s why society has an obligation to protect them from preventable harm.”

Experts have revealed that smoking in a car is much more harmful to a child than smoking in the home due to the close quarters.  The toxic concentrations of the smoking are hard to avoid within a car and children do not usually have the means to escape the toxic air and choose to avoid it by opening a window or exiting the car.

Pro-smoking advocates feel that the ban is unnecessary.  They are also afraid of how far the ban on smoking could reach and perhaps someday be targeted to restrict smokers from inhaling their cigarettes, cigars and pipes within their own homes.

In a poll conducted by YouGov in 2011 it was found that 78% of adults in Great Britain felt smoking in a car with young children should be banned, while 44% felt the ban should be extended to all cars whether children are present as passengers or not.

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Car Insurance Policies Continue Cost Decline

car insurance costs fallCar insurance has declined for British drivers 9% in the past year.  The Association of British Insurers (ABI) released their latest quarterly index of car insurance costs revealing that the average premium for comprehensive coverage over the last three months reduced by £36 year on year at £370.  The reduction, according to experts, is due to tightening of the industry on false whiplash claims as well as the fact that consumers are being better shoppers seeking out better pricing.

James Dalton, with ABI, said “Insurers are fulfilling the commitment they made to the government to pass savings from changes to the civil litigation system to hard-pressed motorists through lower car insurance premiums.”

The ABI added that consumers are shopping for policies more than they are shopping for mobile phone contracts.  In a survey consumers admitted to considering policies from more than one car insurance provider before choosing a policy to purchase.  This is creating a more competitive market in the car insurance industry and the result is competitive pricing.

Drivers are advised that with lower pricing on car insurance policies on the market shopping for a new policy should be done.  If a driver is paying on an older loyalty held policy then they are likely paying a rate that was offered at a time when pricing for policies was higher.  Experts encourage drivers to consider telematics car insurance when shopping for a policy.  This product offers an opportunity for drivers to save more by being a safe driver.

When seeking out a new policy drivers should review the needs for coverage and make sure that any policy involves quality coverage when making a choice.  Finding a more affordable policy is important but a driver should not put aside coverage needs for saving money.  Affordability and quality can be found together and shopping online will help a driver find both.

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.

UK Unemployment Falls to 7.1% and Interest Rate Increase Fears Grow

economic impact of interest rate increaseUK unemployment rate declined to 7.1% which brought it close to the target level under the Bank of England guidance policy.  The decline totaled a 0.3% fall over the three months to November comparing it to the previous three month average of August to October according to the data released by the Office for National Statistics.  Economic experts had expected a smaller decline of only 0.1%.

The decline of unemployment and the inflation rate meeting the Bank of England’s target level of 2.0% in December has given rise to fears of an increase in the currently historic interest rate level of 0.5%.  UK economist with ING, James Knightley, announced that he was pulling his forecast of the first interest rate increase by the Bank from occurring in March 2015 to November 2014 in response to the economic recovery news.  In a survey by financial data provider Markit, it was shown that 84% of households are expecting the rate to increase within the next two years while 30% of those polled expect an increase within the next six months.  However, the BoE announced they were in no hurry to increase the interest rate as soon as the economy is taking a healthy stand.

Car sales may see a surge with fears of possible interest rate increases.  Low interest rate car loans have been largely responsible for the boost in UK car sales in 2013.  The industry figures recently announced that car sales in 2013 were the best since 2007.  According to the Society of Motor Manufacturing and Traders, 2.26 million cars were registered in the UK in 2013.  That level was a 10.8% increase over 2012.

Car insurance rates have been noted as declining in 2013 and that has helped consumers better afford buying a new car and keeping currently owned cars on the road.  Experts have suggested that the decline in car insurance rates should prompt drivers to shop around for a new policy with lower rates when renewal time occurs.

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 Wearing Seatbelts are Less Likely to Die

driver with seatbeltDrivers that wear their seatbelts are less likely to die in a car crash.  Despite the fact that seatbelts are designed and included in cars to keep drivers and passengers safe there are many that will still get behind the wheel or into a car and not buckle up.  Young drivers are especially faulty at not putting on their seatbelts and yet they are the most likely to be involved in a fatal accident.

In a seatbelt study from 2008 data by the National Organizations for Youth Safety, it was determined that 64% of the passengers aged 13 to 15 and 21 to 34 killed in car accidents were not wearing their seatbelt and these age groups had the highest percentage of non-seatbelt use.

Research has shown that using a lap and shoulder seat belt will reduce the risk of fatal injury in a front seat occupant by 45% and reduce a serious injury risk by 50%.

When a driver or passenger is ejected from a crash there is a higher likelihood of a fatality occurring.  In fatal crashes in 2008, 77% of the passenger occupants that were ejected also died.

Seatbelts saved an estimated 13,250 lives of passengers over the age of 4 in serious accidents in 2008 in the US.  If all of the passengers in serious accidents in 2008 had worn their seatbelts then it is estimated another 17,402 lives could have been saved.

There is a myth amoung many young drivers that seatbelts can be harmful with 47% of those polled aged 16 to 20 responding they agreed with the statement “Seatbelts are just as likely to harm you as help you.”  This causes concern and safety experts warn young drivers to dismiss such a thought and understand that seatbelts save lives.  Parents are encouraged to set good examples and wear their seatbelts every time they are driving or riding in a car.

The most common response for young drivers age 16 to 20 for not wearing a seatbelt was that they forgot or were driving a short distance and felt they did not need the restraint.

Data was sourced from the National Highway Safety Administration Safety Facts 2008 Data – Occupant Protection.

Telematics Lets You Pay for What You Need

telematics pay for only what you wantTelematics is a fresh and practical way in which to buy car insurance.  In a world where convenience is a priority, it has forced consumers to choose between package choices that aren’t always beneficial to everyone.  Buying the offer closest to what is needed is the usual rather than purchasing exactly what is needed.  Telematics car insurance is a product in which the driver has more choice, more options and more opportunity to have an impact on the premiums they pay.

With a GPS unit installed in the car by the provider, data on the driver’s habits behind the wheel can be collected and used for risk assessment.  According to the provider’s needs, data can be detailed such as whether the driver takes curves sharply, brakes hard or speeds or simply how many miles are driven.  The collected data is used to determine risk of coverage and used for premium pricing.  With safe driving habits a provider could offer discounts to a driver.

A benefit of most telematics car insurance policies is that they can be bought prepaid as a “pay as you drive” product.  Such an opportunity allows for easy budgeting and drivers could find substantial savings over standard car insurance policies.  Should a driver need to top up they can do so easily online.

Telematics car insurance policies use a GPS unit to collect the driver data used by the provider for risk assessment and the installation is coordinated by the provider.  It takes less than an hour for most car models for the installation to be completed and could be done at the driver’s home or workplace.  The convenience of the installation makes it easy to choose telematics.

A telematics car insurance policy allows consumers to buy what they need which is a new and fresh way to purchase quality coverage at affordable rates.