What To Keep In Your Car In The Winter

SnowDuring wintry conditions such as snow and ice you are possibly more likely to be involved in a road traffic accident. However, you also need to be more prepared should you break down and find yourself caught up in adverse weather. Here in most parts of the UK, we are fortunate that we do not usually get many days when the weather is very poor but it is still a sensible thing to plan for such an eventuality.

So, what sorts of things should you consider carrying in your vehicle at this time of year here in the UK? Well, the following list is not exhaustive but should hopefully be of assistance to you.

1. First aid kit – this should be carried in your car throughout the year.
2. Mobile phone along with a charger so that you can contact the emergency services, family and friends should you require help.
3. Spade to clear away ice/snow should you be unable to pull away in slippery conditions.
4. De-icer and ice scraper to keep your car windows free of snow and ice.
5. A blanket to wrap around you or a sleeping bag to slip into should you have to spend the night in your car until help arrives. This will help you to keep warm in freezing outside temperatures.
6. A couple of reflective warning triangles with one being placed several yards in front of your stranded vehicle and the other a similar distance to the rear of your car.
7. A torch along with batteries that could be used to help attract attention or light up the inside of the car.Whistle
8. An atlas should you get lost in inclement weather.
9. Chocolate bars for nourishment as well as fluids to drink – ideally a flask of hot tea or coffee.
10. Extra clothing such as jumper, waterproof coat, hat, socks, trousers and gloves.
11. A pair of boots in case you need to walk through deep snow.
12. A whistle may prove useful if you needed to attract attention whilst stranded.
13. Jump leads should your battery have run flat and you need assistance to get you started.
14. Fuel canister should you run out of petrol/diesel and it be safe to walk to the nearest service station to fill it up.

There may well be some other things that you feel it is a good idea to bring with you but we hope that the above list is of benefit.

Motor Insurance Premiums Rise

CarOver the past couple of years there has been an upward trend in the cost of insuring motor vehicles. This is possibly something that you have noticed when receiving your renewal notice and, if so, has hopefully triggered you to seek comparative quotations through the likes of ourselves to see if we can find you a better deal from another provider.

Well, the Association of British Insurers has recently produced the ABI Premium Tracker that monitors what the cost of motor insurance has been over an extended period of time. Apparently, the average premium paid for fully comprehensive cover throughout 2017 was £481 per annum. This was an increase of 9% in comparison to the cost 12 months ago that, in monetary terms, equated to a rise of £40 per annum.

Another disturbing statistic is the fact that the average cost of insuring a motor vehicle increased by a staggering 29% since back in 2014.

There are a number of factors that have caused this increase in the cost of motor insurance. For instance, repair costs of vehicles have gone up, there has been a rise in the number of people seeking compensation for whiplash injuries, Insurance Premium Tax has gone up and there has been a change in the calculation of compensation payouts.IPT

The ABI is encouraging the Government to stop increasing the Insurance Premium Tax, make changes to how claims for lower value claims for whiplash are dealt with and also to look at the Ogden Discount Rate which is used to work out what compensation someone should receive who has suffered a significant injury as a result of a road traffic accident. These things are all with a view to potentially reducing how much someone pays for their motor insurance.

So, is there anything that you can do to mitigate such an increase? Well, you may wish to consider shopping around for cheaper cover but if you do, make sure that the level of cover meets your needs.

Here at AIB Insurance, we have been able to help arrange car insurance for a number of customers at a lower premium than their existing insurer has been charging them so why not give us a call on 02380 268 351 to discuss your requirements and obtain a quotation without any obligation.

Online Shoppers Want Parcels Delivered Quicker

CourierIf you are a courier then you may have been able to take a welcome rest after the lead up to Christmas that was probably your busiest period of the year. However, by now you are no doubt back in the swing of things making numerous deliveries every day to consumers here in the UK.

When you knock on someone’s door and hand over a parcel, most people are pleased to see you and offer their thanks before closing the door and hastily opening the parcel to check out their new purchase. However, there are no doubt some who are unhappy because they were expecting the parcel to be delivered sooner. So, how many consumers express this opinion?

Well, research carried out by whistl that is a delivery management company has revealed that an increasing number of consumers want their parcels delivered more quickly.

Apparently, the research discovered that 7% of consumers here in the UK were only interested in having their online purchase delivered on the same day that he or she purchased it. A further 12% of purchasers were insistent in having their goods delivered to them the day after he or she bought the item(s). A further 32% of consumers were agreeable to receiving their new purchase within 2 to 3 working days. In excess of 25% of consumers were happy to take delivery of their new purchase in 7 days time.Courier

It is people living in Birmingham who are the most impatient when it comes to the time that they are prepared to wait for a courier to deliver their parcel. In the UK’s second largest city, consumers are prepared to wait an average of 3.3 days. Those living in Nottingham are prepared to wait the longest – 4.7 days on average.

It is the male population who are slightly less patient than women when it comes to waiting for their courier to deliver their new purchases. Men are prepared to wait an average of 89 hours whereas women will wait 91 hours for their delivery.

If you are either an established courier or are in the process of setting up in business providing a courier service then why not get in touch with us here at AIB Insurance on 02380 268 351 and speak with a member of our team about your insurance requirements. We shall be happy to provide a no obligation, competitive quotation from our extensive panel of insurers.

Parachutist “Surfboards” On A Wing-Suited Flyer

Wing-Suited FlyerWe have previously made reference to the airborne pursuit involving flying through the air in a wingsuit but we wonder how many of you have heard of Extreme Relevant Work that is also known as XRW? This is a skydiving discipline.

This involves someone wearing a wingsuit jumping out of a plane from several thousand feet to be closely followed by another individual who skydives from the door of the plane who is wearing a small parachute. The skydiver manoeuvres into a position mid-air so that he or she is able to surfboard on the person in the wingsuit who is facing upwards.

This feat was recently completed by four people over the Zephyr Hills in Florida from a height of 13,500 feet. Those taking part were Iain Jensen 31, Lane Paquin 28, Avalon Wolf 25 and Brayden Jones 29. As can be seen from the images, this appears to be a very difficult set of manoeuvres and those taking part are to be commended for their ability to complete such a pursuit without any harm coming to anyone. It will be interesting to see if this extreme sport takes off here in the UK. It certainly does not appear to be for the faint hearted and there is no doubt that anyone attempting such a thing must be highly experienced in either skydiving or flying through the air in a wingsuit.

Here at AIB Insurance, we have many years experience in arranging covWing-Suited Flyerer for a variety of extreme airborne sports. So, if you would like to receive a competitive quotation, why not get in touch with one of our knowledgeable team members who will discuss your requirements in detail and arrange a bespoke, no obligation competitive quote for your consideration to provide you with complete peace of mind in the event that something untoward should happen to you.

Mr Bean To Auction Two Modern Classic Cars

Merc.Rowan Atkinson, the comedy actor, has appeared in the likes of Blackadder and Mr Bean and has presumably earned quite a lot of money over the years. He is also keen on cars and has owned a number over the years some of which have been modern classic cars.

In fact, we have previously commented on a McLaren FI that he became rather well known for owning. Unfortunately, that particular car made the news some years ago because it had been involved in a road traffic accident and the insurance company paid out over £900,000 to repair it which, at the time, was believed to be a record payout for a car insurance claim. At a later date, he sold the car for several million pounds.

Well, he is shortly to put a couple of modern classic cars up for auction that he is the proud owner of. The cars are being offered for sale at Silverstone Auction’s Race Retro Classic Car Sale 2018 that takes place in February.

There is a 1993 Mercedes-Benz 500E that has a left hand drive and is powered by a V8 4,973 cc engine. This car was capable of rocketing to 60mph in a mere 5 seconds and could get to 100mph (when legally allowed to do so) in 14 seconds plus. It is interesting that one of the things that makes this car rather sought after is the fact that it is hand built. It only has around 50,000 miles on the clock so it quite low mileage for its age.

The other classic car that Rowan Atkinson is offering for sale at the above auction is a 1989 Lancia Thema 8.32. It also has a V8 engine and is also left Enginehand drive. This was also a nippy vehicle capable of getting to 60mph in just under 7 seconds as it accelerated to a maximum speed of 150mph. It is believed that in the 7 years Mr Atkinson has owned the vehicle he has spent around £20,000 on maintaining it.

So, if you are a modern classic car enthusiast and fancy buying a car from a well-known celebrity, why not get along to the above auction and start bidding. If you require quality, tailor-made, competitive classic car insurance then feel free to give us a call on 02380 268 351 to discuss your requirements where we will be happy to provide a quotation without any obligation.

Vehicle Break-Ins Increase

Car Break InRAC Insurance has seen some interesting statistics relating to the number of vehicles broken into here in the UK by car thieves that are, to say the least, somewhat concerning. Below we highlight some of this data but more information can be found on the above company’s website.

Based upon data from 42 police forces in England, Scotland and Wales there were almost 240,000 vehicles broken into in 2016 – that is not far off a quarter of a million that we are sure you will agree is a very large number. Rather concerning, that is an increase of more than 8,000 in comparison to the previous year.

Of the above 42 police forces, 26 saw an increase in vehicle break-ins with the remaining 15 seeing a drop when comparing 2016 with 2015.

So, which forces saw the biggest increase in break-ins in percentage terms when comparing 2016 with 2015. Well, the City of London police force was at the top of the table with a 76% rise albeit it should be borne in mind that, in numbers there was a rise from 46 to 81. In second place was Northamptonshire with a rise of 41% from 2,864 to 4,043. Here in Hampshire there was an 8% rise.

The police force that saw the biggest fall in reported vehicle break-ins was Cheshire with a drop of 19% from 2.827 in 2015 to 2,284 in 2016.

Of course, if your car is broken into then it causes huge disruption in so many ways but could also lead to your motor insurance premiums increasing which is something we could all do without. So, what can you do to reduce the possibility of your vehicle being broken into?Smashed Window

• Fit a car alarm
• Put your car in the garage overnight
• When stationery, whilst driving, lock the doors and keep windows closed
• Use a steering wheel lock when leaving the vehicle unattended
• Park your car in a well lit street in the dark
• Put personal belongings in the boot out of sight

Obviously this list is not exhaustive but we hope that it is of benefit.

For comprehensive car insurance why not give us a call here at AIB Insurance on 02380 268 351 and speak with a knowledgeable member of our staff who will do all that he or she can to obtain a competitive quotation from the extensive panel of reputable insurers we have at our disposal.

Airsports Insurance Bureau appoints James Dunn to join Private Client Insurance Team

James DunnThe management team are delighted to welcome James Dunn to our Private Client Insurance team in Eastleigh.

James joins us with over 10 years insurance experience having worked as a senior manager at BeWiser Insurance.  Previous to that he spent 6 years at various branches of A-Plan Insurance where he gained the Cert CII qualification obtained through the Chartered Insurance Institute.

AIB spokesperson Bethany Hepworth said: “James’s wealth of industry experience and knowledge will be extremely valuable as the firm continues to develop and enhance our service offering for existing and potential clients. This key appointment follows a period of continued growth and reflects the businesses success to date, showing our commitment to grow independently within the UK Insurance broking market”.James Dunn Wedding

James added: ”I’ve known the management team at AIB for many years and watched the company continue to expand so am delighted to be joining such an ambitious business where I can really add value and hit the ground running.  I cannot wait to start developing new business and taking current business to new heights.”

Married to Amy with a 2 year old son, Riley, James was lucky enough to meet Simon Pegg on his wedding day as Simon happened to be staying at the same venue.  James enjoys American Football, fishing, he has a twin brother and recently ran the Reading half marathon raising over £2000 for charity.



Classic Motorcycles Sold At Bonhams Auction

BikeThose of you owning a classic motorcycle may be interested to read of the sale of a number of such vehicles at the Bonhams New Bond Street, London auction that took place on the 2nd December 2017. More information can be found on the auctioneer’s website but a summary is provided below to “whet your appetite”.

For instance, a 1964 BSA 646 CC Rocket Gold Star motorcycle achieved a sale price of £24,725 including the premium. This delightful motorbike was beautifully restored back in 2001 and has been well maintained. It had a 46bhp engine that was capable of getting to a top speed of around 105mph making it an extremely nippy two-wheeled vehicle. Only about 1,800 of these motorcycles were built making it quite desirable and they are very sought after by classic motorbike enthusiasts.

Those of you interested in the Brough motorcycle will be interested to read that a 1936 Brough Superior 982cc SS80 Special was sold at the above auction for £82,140 to include premium. It was renowned for being the superbike of its era and this one is one of only around 300 that are believed to be still around today. The vehicle went through a full restoration under the ownership of John Coxon before falling into the hands of another owner who took possession in January 2010.

A 1949 Vincent 998cc Black Shadow Series C classic motorbike fell under the hammer for £119,100 including the premium. For around 30 years the bike had been kept in a barn until it was subject to a restoration project in 2016 to a 1949 Earls Court London Motorcycle Show specification. It certainly is a highly desirable classic motorcycle and would be the envy of many an enthusiast.Bike

If you are considering buying a vintage motorcycle or are already the proud owner of one then why not get in touch with us here at AIB Insurance on 02380 268 351 where we will be delighted to discuss your requirements in respect of insuring the vehicle. We have an extensive panel of insurers so we would be able to help source a competitively priced quotation.

Mother And Daughter Plan To Fly Around The World In Microlight

Audrey Deepika Meben Anyone who has broken a world record is to be admired as it often involves a great deal of determination, courage and self-sacrifice. Well in February of next year, if everything goes according to plan a mother and her daughter are going to attempt to set a world record as they take off in a fixed wing microlight aircraft and try to fly around the world in a period of 80 days covering in the region of 50,000 kilometers with such a fete never having been achieved by two Indian women together.

The ladies in question are Audrey Deepika Meben who is 42 years of age and a flying instructor and her 19 year old daughter by the name of Amy Mehta who is a student photographer. Both ladies come from Karnataka that is situated in the south west area of India. It is hoped that the flight will increase awareness for Women Empowerment.

The pair will take off from Jakkur airport in the south of the country and pass through the likes of Japan, Iceland, USA, Afghanistan, Russia and Pakistan before returning to Jakkur. In total it is expected that the plane will land in at least 21 countries. The plane in question will have two fuel tanks capable of carrying around 60 liters of fuel meaning that the aircraft is capable of staying in the air for at least 4.5 hours. It is expected that the microlight aircraft will be required to make a minimum of 54 landings.

Amy Mehta will no doubt be using her photographic skills to take some wonderful, breathtaking photos of their epic global journey in the skies. The plane is capable of traveling at a height of around 7,500 feet and the flights will be made during daylight.

Microlight It is to be hoped that the weather is kind to them and that both women complete the journey in safety with nothing untoward happening on the way. We are sure that you will agree that they are to be admired. Here at AIB Insurance we wish them both all the best for their record-breaking attempt early next year.

If you are in need of airsports insurance why not give us a call at AIB Insurance on 02380 268 351 and speak with a member of our friendly staff who will happily arrange a quotation.

Whilst Defrosting Your Car Don’t Leave It Unattended

DefrostIt is that time of year when you wake up to find that there has been a severe frost meaning that you or, if you are lucky, your partner needs to de-ice the car windows before setting off to work or dropping the children off at school. Time is usually at a premium first thing in a morning and nobody likes to stand outside in freezing temperatures scraping the ice off the windscreen.

Unfortunately, a lot of people make the mistake of popping out to their car, start the engine, put the heating on at full blast and then go straight back inside their warm home leaving the engine running with the keys still in the vehicle and have their breakfast or finish getting ready for work. Why do we say this is unfortunate?

Well, a lot of motorists do not realize that, if their vehicle is stolen by a car thief whilst being left say unattended on their drive or on the road outside the front of their home, their car insurance provider will not pay out should you submit a claim as this sort of situation is not covered on the policy. Needless to say, this would be devastating news as you could be left with having to pay out many thousands of pounds to find another vehicle and still have to maintain the car loan repayments on the vehicle that has been stolen.

It is also worth noting that, if you leave your car unattended on say a public road with the car engine running, you are breaking the law and could be subject to a fine if caught by the police. Furthermore, if you do not completely clear your car windows of snow and frost before driving it then you could be subject to a fine of £60 and also receive 3 penalty points on your driving license that could also mean your motor insurance premiums going up.

So, tempting as it may be, do not leave your car unattended with the engine running to defrost the windows otherwise it could end up being a costly decision in more ways than one. Instead, why not get up a few minutes earlier than normal, wrap yourself up to keep warm and get the ice scrapper out and get rid of the unwanted snow and ice from all the windows on your vehicle.

For comprehensive cover on your vehicle give us a call on 02380 268 351 and speak to a friendly, knowledgeable member of the team who will discuss your requirements and obtain a quotation from our extensive panel of quality insurers.