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.

 

Ashworth Motoring Law celebrates phenomenal month

It’s been a busy month here at Ashworth Motoring Law and October has been one our best yet!

Ashworth Motoring Law on BBC TV

The Month began with our Managing Director, Alison Ashworth featuring on BBC’S Inside Out Programme discussing the new Drug Driving Offence and raising awareness of the very low limits that are applicable to drugs of abuse. The programme aired on Monday 03 October 2016 following over two hours of filming in September at the Law Society in London.

Month Long campaign for Tyre Safety

October was National Tyre Safety Month. As a Law Firm who keeps road safety firmly in mind, we ran a month-long campaign to increase awareness of basic tyre checks, promote free tyre health checks and educate drivers of the potential sentence for driving on defective tyres.

Managing Director Shortlisted as a Finalist for Prestigious Award

Our very own Alison Ashworth has been shortlisted as one of four finalists in the prestigious Rossendale Business Awards for the “Enterprising Woman Award”. The awards ceremony will be held at Riverside, Whitworth, Rossendale, Lancashire on Wednesday 09 November 2016.

Back to school

Directors Colette Ashworth and Alison Ashworth went back to their roots to give a talk to the Students of their old Law School. With a focus on gaining the best out of their education, expanding their professional network and overcoming adversity, Colette and Alison sought to encourage and inspire the next generation of Lawyers.

Interns take centre stage

This month saw nine new interns given the once in a lifetime opportunity to gain experience at our leading law firm. With interns from Manchester Metropolitan University and The University Centre at Blackburn College taking up positions in computing, accounting, law, marketing and legal management, the next few months are set to be an exciting time at our growing firm.

Ashworth Motoring Law on BBC Radio

Towards the end of the month, our Alison Ashworth was invited into the BBC Radio Lancashire studio to discuss the increasing cost of car insurance live on air, speaking to breakfast show presenter Graham Liver on 27 October 2016. Since the show, Ashworth Motoring Law have begun working with North West based K-safe and Joovuu to bring down the cost of vehicle insurance around the North West and beyond.

….And of course, we still haven’t lost a case!

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.

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.

STILL no Sentencing Guidelines for Drug Driving!

Expert opinion by Specialist Drug Driving Lawyer, Alison Ashworth – Managing Director of Ashworth Motoring Law.

Over one year since the new “specified limit” drug driving law was introduced and there are STILL no sentencing guidelines in place to regulate the way that offenders are punished.

Sentencing guidelines (such as the attached with reference to drink driving) are used by Judges and Magistrates to help them decide what sentence to impose when a person either pleads guilty or is found guilty of an offence.

Prior to the introduction of the new offence, I contacted the sentencing council to ask when the guidelines for the new drug driving offence would be put in place. I was told to expect them in at least 2016.

Having seen reports of significantly different sentencing approaches between different Courts as I predicted in this BBC radio interview that I gave on the day that the new law came into force, I recently contacted the sentencing council again to find out how soon the guidelines were likely to be released.  I was told that their two year plan does not include work on this guideline but that it is anticipated that it will be added to the work plan in the future. The sentencing council added that as with any relatively new piece of legislation there is the need to allow a certain period of time to pass before producing guidelines as the production of a guideline relies on research and evidence.

The concern that I have is that Judges and Magistrates are, in the meantime tempted to sentence offenders in a similar manner to guidelines which are available. Take the drink drive limit for example. Our drink driving limits are amongst the highest in Europe. A person who is three times over the limit is likely to be showing some pretty significant signs of intoxication, and their manner of driving along with the level of risk that they pose to themselves and to the public is likely to be significantly effected.

Now let’s look at the drug driving limits. The drug driving limits have been set so low that even one puff on a joint could be enough to put someone over the limit, despite them feeling no effects from the drug, and their manner of driving being perfectly normal. In fact the Governments own panel of experts suggested that a person would be technically fit to drive with twice the current level of THC (cannabis) in their system, although the Government chose to disregard the expert panel’s advice and pursue the current, almost zero tolerance limits for every single illicit drug listed under the legislation.

There have in fact been reports of individuals who have been caught 25 and 50 times over the drug driving limit yet showing no obvious signs of having taken a drug with perfectly normal standards of driving.  If the same level of consumption was extended to alcohol, the person would most likely be either in hospital or dead. If they somehow managed to survive, then they would be facing the most serious sentencing category of the guidelines and would be facing a prison sentence because the level of impairment is so intrinsically linked to the amount of alcohol consumed .

There is a significant risk that motorists are being unduly punished with tangibly greater severity than is warranted, indeed the Courts have displayed a willingness to send drivers to prison for committing the new specified limit drug driving offence.

Whilst I do not condone drug driving, or drug taking, I do, as a defence lawyer have a passion for fighting against injustice and ensuring that my clients are treated fairly by the Courts. Although the overwhelming majority of my clients choose to plead not guilty to this offence after an initial investigation into the merits of their defence, I do have a duty to advise those who wish to plead guilty on the likely sentence that they could face. In the absence of the guidelines, and with the differing approaches which are being taken by the Courts, this continues to be a difficult task.

Is it fair to sentence a young cannabis user who was twice the legal limit for THC (cannabis) and who was not even remotely effected by the small amount that he took in the same way as a drink driver who was twice the limit and barely able to stand up? I certainly don’t think so.

When the guidelines are eventually produced, I would like to see a strong link between the expected level of impairment and the amount of substance in a person’s system, although by then it might be too late for the many who are left unrepresented in Court facing the lucky dip that appears to be the current sentencing approach in the meantime.

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

Ashworth Motoring Law are experts in defending drug driving offences. If you have been charged with drug driving and would like to speak to a specialist drug driving solicitor about your case, call 0330 33 22 770 for free initial advice.  

Free legal advice for drug driving offences from the specialist drug driving solicitors at Ashworth Motoring Law

Ashworth Motoring Law on the Radio

Expert Drug Driving Solicitor, Alison Ashworth of Ashworth Motoring Law will be going live on Chorley FM today at 12:00pm to discuss the Drug Driving Law, and considering why there has been such an increase in the number of arrests for this controversial offence.

If you are still unclear about the Drug Driving Offence which was brought into force one year ago this month and would like to know more, then tune in to Chorley FM  this afternoon or call 0330 33 22 770 any time for free initial advice.

Ashworth Motoring Law Logo

The specialist driving offence solicitors at Ashworth Motoring Law defend all types of Motoring Offences including Drug Driving, Drink Driving, Failure to Provide a Specimen and Speeding. Call our free helpline to find out whether your case is one of the many that can be successfully defended.

Free legal advice for drug driving offences from the specialist drug driving solicitors at Ashworth Motoring Law

Listen again to our live radio interview on drug driving

Missed our latest interview about the law on Drug Driving?

You can listen again here:

In this interview, we explain why there’s been an 800% increase in drug driving arrests and highlight the low drug driving limits which were set for illegal substances under the Drug Driving Law which was introduced in March 2015.

If you would like more information about drug driving, or would like to speak to a specialist drug driving solicitor about your case, call 0330 33 22 770 or email enquiries@ashworthmotoringlaw.co.uk for free initial advice. Our drug driving experts regularly defend drug driving offences, in fact we have a 100% success rate in securing acquittals for this offence.

 

 

 

Live radio interview about Drug Driving

The department for transport released figures this week from Cheshire constabulary showing a 800% increase in arrests for drug driving.

Managing Director Alison Ashworth will be giving a live radio interview at 4:50pm today to discuss the Drug Driving Law, and possible reasons for the increased number of arrests.

If you still have unanswered questions about the Drug Driving Law which was brought into force one year ago this week, tune into BCB Radio at 4:50pm today, 4th March 2016 to find out more.

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

Ashworth Motoring Law are specialists in defending Drug Driving Offences. If you have been accused of drug driving, or any other motoring offence and would like expert advice and guidance, call our free motoring law advice line on 0330 33 22 770 to speak to a specialist motoring law solicitor today.

Free legal advice for drug driving offences from the specialist drug driving solicitors at Ashworth Motoring Law