How to cut the cost of your vehicle insurance

Last month, our Managing Director, Alison Ashworth went into the BBC Lancashire Studio to discuss the price of vehicle insurance live on air with presenter, Graham Liver.

This comes as it was announced that the North West has the highest cost of car insurance in mainland Britain according to the AA’s National Index.

A number of factors could be to blame for the increased cost.

As outlined on air, one of the reasons is the high proportion of so called cash for crash schemes operating in the North West area, with Bolton and Oldham identified as the worst hit areas of the UK.

What is cash for crash?

Cash for crash is the term given to an accident which is deliberately caused for the purpose of financial gain. These schemes include instances where the fraudster would drive a vehicle and slam on the breaks, giving the innocent motorist behind little to no chance of avoiding the inevitable crash. The fraudster would then go on to claim for personal injury, vehicle damage, loss of earnings, a hire car etc. The list goes on.

It is thought that one in seven personal injury claims are associated with a cash for crash scheme.

Statistically, these schemes cost the insurance industry over £400 million per year, with an additional £50 being added on to the cost of every motor insurance policy every year.

How can we bring down the cost of our vehicle insurance?

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Install a device to monitor your driving

Many insurers now recognise the benefits of installing a blackbox type device or camera to monitor your driving and provide evidence in liability disputes.

Companies such as K-safe and Joovuu offer such devices and have revolutionised the way that fault is attributed in accidents.

Bikers – K-safe

“K-Safe have developed MiBB, a wearable sensor that provides automatic monitoring and analysis of incidents. MiBB covers a wide range of industries and activities including but not limited to motorcyclists, cyclists, snowboarders and skiers. Our sensor is able to integrate with existing claims management solutions, provide quicker medical assistance (reducing complexity/severity of injuries and therefore cost per claim) and provide end-users with lower insurance premiums through selected insurance partners.” Aaron Lloyd; Chief Operating Officer of K-safe.

Cars – JooVuu X

“The JooVuu X is a camera that captures the truth every time you drive.  With its discreet design but powerful hardware, the JooVuu X can be mounted anywhere within your car and capture everything in crystal clear quality, day or night.  The JooVuu X is the perfect dash camera to help you fight against fraudulent car insurance claims and bad drivers.  It is the best eye-witness money can buy.” Daniel Jaenicke; Chief Executive of JooVuu X.

Shop around

Never accept the renewal offer from your insurer without first obtaining quotes from competitors to see whether you could be getting a better deal.

Pay upfront

Paying your insurance annually can net you on average savings over £60. It also reduces the risks of you being charged with an offence such as driving without insurance by lessening the chance of you missing a monthly payment.

Increase your excess

Increasing the amount that you’d be willing to pay out when making a claim can significantly decrease the overall cost of your vehicle insurance quote. Work out what you can afford and adjust your policy accordingly.

Decrease your added extras

Most insurance policies include a range of optional extras such as windscreen, breakdown and legal cover. Restricting the number of added extras on your policy can really help to bring the cost of the policy down.

Build up a lengthy period of no claims bonus

In short, the longer the period of no claims bonus, the cheaper the policy will be. No reasonable driver ever really wants to be involved in an accident. Staying alert at all times and driving cautiously will reduce your risk of having an accident and will reduce the cost of your annual premium.

Keep a clean licence

It’s no secret that penalty points mean an increase in insurance premiums. Take the time to read about some of the more common motoring offences on this site and stick to the law. If you’ve been caught out and are offered the opportunity to avoid the points by attending a course then take it. You will thank yourself when it comes time for your renewal.

Take care over your job description

There are strange but significant discrepancies when it comes to the quotes associated with certain professions.

For example, describing yourself as a Chef could cost you £98 more than being “kitchen staff”, and classing yourself as “full time parent” or “retired” rather than “unemployed” could save you almost £300.

If your job could fit into more than one of the descriptions offered by the insurance provider, run checks for each applicable job type.

Article written by Specialist Motoring Lawyer, Alison Ashworth; Managing Director of Ashworth Motoring Law.

Why we do what we do

At Ashworth motoring law we are dedicated to keeping drivers on the road. We believe that no driver’s licence should be placed in jeopardy due to a lack of legal or technical knowledge. That’s why we’re always striving to deliver relevant, current content to keep you up to date with issues that could affect your freedom to drive.

We know the devastating impact that a disqualification from driving could have on a person’s life, career and family. It’s from that understanding that we fight to save the driving licences of motorists throughout the Country, to ensure that no person is disqualified where a valid defence or judicial discretion is available.

If you have been accused of committing a motoring offence and would like to discuss your case in confidence with a specialist motoring law solicitor call 0330 33 22 770 or email enquiries@ashworthmotoringlaw.co.uk. Our expert solicitors will listen to the details of your case and let you know instantly if your licence could be saved.

 

Listen again to Ashworth Motoring Law live on BBC Radio Lancashire

This week, Specialist Driving Offence Solicitor and Managing Director of Ashworth Motoring Law, Alison Ashworth featured live on BBC Radio Lancashire discussing  the cost of vehicle insurance.

Did you know that the North West has the highest cost of car insurance in mainland Britain?

The feature included a discussion on the high rates of cash for crash schemes currently operating in the North West which cause our premiums to rise year on year, and considers what we can do to reduce the cost of our annual premium.

To listen again to the show click the following link:

http://www.bbc.co.uk/programmes/p049y269

The feature on the costs of car insurance begins at 02.11.35 in the clip.

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Ashworth Motoring Law is a Highly Specialised National Law Firm which focuses solely on representing drivers who are facing the possible loss of their driving licence. To discuss any motoring offence in confidence and find out whether your licence can be saved, call our mobile friendly helpline on 0330 33 22 770 or email enquiries@ashworthmotoringlaw.co.uk for free initial advice.

Ashworth Motoring Law live on BBC Radio Lancashire

Expert Motoring Lawyer and Managing Director of Ashworth Motoring Law, Alison Ashworth is heading to BBC Radio Lancashire’s studio on 27 October 2016 to discuss the cost of car insurance live on air with presenter, Graham Liver.

Tune in to BBC Radio Lancashire just after 8.00am to hear the discussion.

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Ashworth Motoring Law is a National Law Firm which specialises in representing drivers who are facing the possible loss of their driving licence. To discuss any motoring offence in confidence and find out whether your licence can be saved, call our mobile friendly helpline on 0330 33 22 770 or email enquiries@ashworthmotoringlaw.co.uk for free initial advice.

Motoring Lawyers open over the bank holiday weekend

The August bank holiday is almost upon us. Whilst we hope that you have a nice, relaxing weekend, our specialist motoring law solicitors will be on call day and night, including bank holiday Monday should you need our assistance.

If, over the August bank holiday weekend you need a…….

Drink Driving Solicitor

Drug Driving Solicitor

Drunk in Charge Solicitor

Failure to Provide a Specimen Solicitor

Totting up Solicitor

New Driver – Licence Revocation

Speeding Solicitor

Careless Driving Solicitor

Dangerous Driving Solicitor

Failure to Stop and Report an Accident Solicitor

Driving with no Insurance Solicitor

Mobile phone offence Solicitor

Guilty Plea and Mitigation Solicitor

….. feel free to call our free motoring law legal advice line on 0330 33 22 770.  Your call will be answered by one of our expert motoring lawyers who will support you, advise you on the law and guide you to the best possible outcome in your case. In most cases, a ban or even conviction can be avoided.

If you want to know whether your case is one of the many that can be defended, or need to speak to a specialist motoring law solicitor about avoiding a driving ban, then call 0330 33 22 770 or email enquiries@ashworthmotoringlaw.co.uk.

Don’t spend the bank holiday weekend with the worry of a motoring offence hanging over you. Call one of our specialist motoring law solicitors today.

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How to check if your vehicle is insured today

The law requires you to have valid vehicle insurance in place.

Failure to have at least third party insurance in place would result initially in these potential offences:

If your vehicle is shown as having no insurance and you’ve not declared it as being off road (SORN), you could be prosecuted and face a fine of up to £1000, even though you didn’t drive the vehicle.

The sentence for being caught driving a vehicle that is found to have no insurance in place is much more severe – a fine of up to £5000, 6 – 8 penalty points on your driving licence or an instant disqualification from driving. Your vehicle could also be seized and destroyed.

With these severe penalties in mind, it’s always worth checking whether your vehicle is insured RIGHT NOW.

How to check if your vehicle is insured right now:

To check whether your vehicle is currently insured, simply enter your vehicle registration into the search field at the following link:

https://ownvehicle.askmid.com/

Searching the motor insurance database for details of your own vehicle is free, and can prevent a potential disaster down the line if an error or missed payment means that your insurance has lapsed.Policy of insurance, how to check

Why would I need to check my vehicle’s insurance?

At Ashworth Motoring Law, we are frequently contacted by extremely unfortunate drivers who have been caught driving without insurance despite firmly believing that adequate insurance was in place.

Typical examples of this include:

  • A missed payment that the driver was not aware of
  • Failure to respond to a request for information
  • Failure to supply a document or evidence required by the insurer

You need only check your own policy’s terms and conditions to see the various circumstances under which your insurance policy could be cancelled.

Whilst you would expect the insurer to contact you to let you know that your insurance has been cancelled, there are many instances where this vital message never reaches the driver of the vehicle.

For example, your address may have changed, a postal issue could have prevented you from receiving the notification, you may have been out of the country or you may just have had bad personal administration at that particular time.

Nevertheless, it is your responsibility to ensure that your vehicle is insured at all times. Saying that you did not receive any notice of cancellation or explaining that such correspondence was sent to a previous address would unfortunately not be a defence. Why not give yourself peace of mind and double check your insurance status today?

Don’t forget that certain offences such as drink driving and driving whilst disqualified typically invalidate your insurance. So if you have an accident whilst committing these more serious offences you are extremely unlikely to be paid out.

Article written by Managing Director and Expert Motoring Lawyer, Alison Ashworth.

Alison Ashworth; Expert motoring lawyer and Director of www.ashworthmotoringlaw.co.uk

Why we do what we do:

At Ashworth motoring law we are dedicated to keeping drivers on the road. We believe that no driver’s licence should be placed in jeopardy due to a lack of legal or technical knowledge. That’s why we’re always striving to deliver relevant, current content to keep you up to date with issues that could affect your freedom to drive.

We know the devastating impact that a disqualification from driving could have on a person’s life, career and family. It’s from that understanding that we fight to save the driving licences of motorists throughout the Country, to ensure that no person is disqualified where a valid defence or judicial discretion is available.

If you’ve been unlucky enough to be caught driving without insurance and need to keep your driving licence, you can call one of our team of Expert Motoring Lawyers at any time on 0330 33 22 770 or email enquiries@ashworthmotoringlaw.co.uk. Our specialist driving offence solicitors will listen to the details of your case and let you know instantly if your licence could be saved.