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.

Telematics Car Insurance Makes Miles Affordable

car insurance costCar insurance is not inexpensive for any driver.  It is an expense which drivers pay for every month and is required for driving on any UK roadway.  A new car insurance product is taking the country by storm and is growing in popularity each week.  The latest car insurance product to attract the attention of drivers is known as telematics pay as you drive car insurance.  It is the first car insurance product which allows drivers to pay for only the miles they estimate to need in the coming months.

Drivers are becoming more fond of telematics car insurance each week.  They are able to do something with this new car insurance that is completely unique.  It is known as pay as you drive.  This scheme allows drivers to only pay for the miles which they believe they will drive in the coming months.  This is an excellent way to buy car insurance and save money at the same time.

Car insurance is not an inexpensive part of getting behind the wheel.  Pay as you drive car insurance allows drivers to pay for a set amount and benefit the family budget as well.  As miles get close to expiring, drivers are able to top up like topping up minutes on a mobile phone.

Telematics car insurance can benefit every driver and is attracting drivers from many age groups.  Whether drivers are simply going to school and home or traveling to a place of employment, they are seeing benefits which have never been seen before.

Telematics car insurance is making cover more affordable for all types of drivers, regardless of age.

Drivers Could Face Roadside Fatigue Tests in Near Future

fatigue drivingDrivers tired at the wheel are as dangerous as those that are drink driving and drug driving.  In Australia where two out of ten serious car accidents involve fatigued drivers they are attempting to make roads safer.  In a $14.5 million funded project, researchers are looking for ways to improve alertness and discover through roadside testing the drivers that are too tired to drive.

Should testing become available to officers then drivers could be fined for getting behind the wheel when they should be resting.  The current research is involving using a person’s saliva or sweat to determine if they are alert enough to drive.  The use of such a test could cross over to test workers that are fleet drivers or operating heavy machinery on a job site.

The research teams at the Co-Operative Research Centre for Alertness, Safety and Productivity are working on ways to increase alertness with specialized lighting, alerting systems, and testing abilities to see past a person’s tiredness to discover underlying health problems such as sleep apnea or insomnia.  Consideration is being given to tests that could be done individually by a driver before they climbed in behind a wheel.  The test could signal that more than a caffeinated drink is necessary to begin a journey.

In a recent survey conducted by safety charity Brake and Direct Line insurance, it was determined that a third of the drivers in the UK admitted to nodding off while driving.  One in fourteen of those polled admitted to completely falling asleep behind the wheel.  Most of the reason is that people are simply sleep deprived with 49% of the 1,000 polled drivers saying they had driven after sleeping less than five hours the previous night.

Don’t Fear the Car Insurance Policy Switch Embrace It

young driverDrivers often have a mental as well as emotional block when it comes to consideration of a car insurance policy switch.  However, that block could be costing them money.  It is a common behaviour to exhibit loyalty to certain products and services, but when the same can be found elsewhere at a more affordable cost of equal quality if not better, then why not switch?

Car insurance experts suggest that renewal time be a key point in time in which a driver should consider a switch.  Renewals often are accompanied by an increase in the premiums and therefore shopping around could offer an opportunity for saving money.  Due to the fact that average car insurance policy costs have fallen in the last year, those paying at last year’s rates or even the year before, could find that rates offered now are much cheaper.

Telematics car insurance is a good place to start if the driver is a safe driver.  Most telematics car insurance providers offer discounts for safe driving habits.  There are others that offer substantial savings for low mileage.  Shopping through the telematics policy offerings will help a driver discover the best choice for their coverage needs.

Online shopping for car insurance is simple as it can be done any time of day at the convenience of the driver.  Quotes can be requested, comparisons easily done and a policy quickly purchased online.  Drivers can choose to have the policy start at their preferred date and they can print required paperwork on their own printer or allow paperwork to remain stored online.

Those interested in saving money with telematics car insurance can also purchase online as they are offered a grace period to allow the professional installation of the associated GPS unit used for data collection with the insurance product.  The provider will usually coordinate with a professional installer to do the installation at the driver’s workplace or home.

Shopping online for car insurance is so simplified and quick that drivers should not fear the process of making a switch.  Loyalty should be shed as a new policy could offer savings and perhaps a new policy that better matches the driver’s current coverage needs.  Don’t fear a car insurance policy switch but rather embrace it and perhaps benefit greatly by doing so.

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.

Telematics Benefits Serves as Safety Tool for Parents

telematics car insuranceTelematics car insurance could serve as one of the most important safety tools by parents to keep young drivers safe on the road.  Parents often fail to exhale as they hand over the keys to the young driver and remain worried day after day as they await their young driver to arrive home safely.  Young drivers are prone to be involved in a car accident in their first year of driving solo on the road according to various studies.  It is this reason that parents have a continual need to find ways to help their child sitting in the driver’s seat stay safe.

Telematics could be the answer for those parents.  The product uses a GPS unit to collect driving data on the insured driver for use by the car insurance provider for risk assessment to determine the cost of a policy.  While one benefit for choosing telematics is the possibility to save money through safe driving, the side benefit is that safe driving is rewarded day after day, journey after journey.  This will be a constant reminder to stay safe and follow responsible safe driving habits by the young driver.

Young drivers have many reasons to choose telematics and parents have just as many.  Experts suggest that telematics be the first consideration when seeking a policy for a young driver whether new to the road or experienced by a year or so.  However, drivers of all ages can find telematics car insurance to be a smart choice, it is just that parents will be better able to exhale if their young driver is covered by the safety centered policy.

Driving with a Buzz Increases Possibility of Crashing by 46%

drink drivingDriving after drinking alcohol is dangerous and research has been shown that while there may be legal blood alcohol content (BAC) levels set by authorities for safe driving, the safest level of alcohol to get behind the wheel is zero.  Even after only one drink a person is more likely to be involved in a car accident according to researchers.  US researchers have labeled this as “buzz driving” which describes someone driving with a buzz or low alcohol effect.

Researchers studied data of more than 570,000 fatal car accidents that occurred between 1994 and 2001 from a US national database.  They reviewed the blood alcohol content levels of drivers as well as blame of an accident such as driving in the wrong lane or running through a red light.  The data revealed that with the lowest recorded BAC of 0.1% the drivers were 46% more likely to be the sole blame for an accident in comparison to a sober driver with no alcohol in their system or a 0.0% alcohol level.  The legal BAC in the UK as well as the US is 0.8%.

Researchers deemed that there was significant increase to blame for a fatal accident as the BAC increased in the driver.

Young drivers should be talked to frequently as to avoiding drink driving.  Young drivers are especially in danger of having a car accident due to their inexperience and propensity for risky behaviours.  Since many teens socialize and experiment with drugs and alcohol it is important to tell young drivers not to drink drive and to never enter into a car as a passenger where a driver has been drinking alcohol before getting behind the wheel.

Consideration for changing laws surrounding the licencing process for young drivers and adding stipulations to keep them safer on the road are due to be presented in a Green Paper on young driver safety later this spring.  Lowering the BAC level for young drivers to zero is a possibility.