Tag Archives: driving

Running A Car Gets More Expensive For Young Motorists

Young Driver Keeping a car on the road has always been a costly thing to do but is particularly expensive for young drivers who tend to be faced with having to pay more for their car insurance than the more mature driver. Research by the price comparison website Compare The Market has revealed some interesting statistics in this respect.

Apparently, as at September 2018, the average annual cost of someone aged 17 to 24 running a car was £2,442. That figure has gone up in the last 6 months by an average of £60 per annum. In the last 2 years it is concerning to read that the average cost of a young motorist running a car has gone up by in excess of £140 per annum.

The average cost of a young driver insuring a car has risen to £1,324 per annum meaning that insurance costs make up over 50% of running a vehicle. Fortunately, car insurance premiums have been falling in recent months –since February 2018 premiums have dropped by an average of not far off £24 per annum.

Another factor that has added to the increase in the cost of running a car is the increase in fuel prices that we have seen at petrol stations here in the UK. In the space of 12 months this has risen by an average of 9.9% to £891 per annum.

Other things taken into account in the average cost of running a car are Road Tax at £115, breakdown cover at £56 and MOT at £54.

The 5 most popular cars owned by young motorists are: –

  1. Vauxhall Corsa
  2. Ford Fiesta
  3. Volkswagen Polo
  4. Renault Clio
  5. Volkswagen Golf

It was found that the cheapest car to insure by a young motorist was the Dacia Sandero at an average of £882 per annum. As you can see, this is significantly lower than the average cost of insurance. This was closely followed by the Fiat 500 at an average of £898 per annum to insure.

It should be borne in mind that the above figures do not take into account young drivers who need to arrange finance to fund the purchase of a vehicle. The monthly outlay in this respect can be quite significant.P Plates

The motor insurance market is extremely competitive here in the UK with numerous insurers providing cover ranging from standard car insurance to telematics cover and even pay per mile insurance. Unfortunately, not enough people bother to shop around for their cover such as when they receive their renewal notice from their existing insurance company. If they did then some may find that they could have got the same level of suitable cover but for a lower premium.

So, if you are looking for car insurance either for the first time or if your existing policy is coming up for renewal, why not get in touch with us here at AIB Insurance on 02380 268 351 and speak with a knowledgeable member of our team who will discuss your requirements and obtain a competitive quotation from our extensive panel of insurers for your perusal without any obligation.

Driving On Country Roads Is More Dangerous Than On Motorways

Many people will be surprised to hear that you are more likely to be involved in a road traffic accident if you are driving down a country lane than on our motorway network. This is despite the fact that you are probably driving faster on the motorway than on a B road through scenic countryside.

The Department of Transport run the THINK! campaign and they have done some research that reveals you are 11 times more likely to be killed due to being involved in an accident in your car on a country road than you are to die in a motorway accident. In fact, sadly, an average of three people are killed on roads in the UK countryside every day – that is 60% of deaths happening on our country roads. In 2013, there were 9,104 serious injuries and 1,070 deaths on such roads.

The Government has just released a new campaign to bring to people’s attention how dangerous it is to drive on country roads.Country Road Insurance

So, what can you do to reduce the possibility of being involved in a road traffic accident whilst at the wheel of your car when you are enjoying a Sunday jaunt in the countryside?

The first thing to do is to make sure that you keep within the speed limit for driving on the road you are on bearing in mind that the maximum legal speed limit quoted is not necessarily the speed you should be travelling at – adjust your speed to suit the conditions. Did you know that 60mph is the maximum national speed limit for driving a car that is not towing a caravan or trailer on single carriage roads?

One of the reasons why country roads are more dangerous to drive on than motorways is because you have sharp bends on them whereas motorways tend to be straighter. You tend to have a clearer view ahead of you on the motorway enabling you to take evasive action more quickly. Therefore, when driving in the countryside, you should look ahead and brake before coming to a potential hazard like a bend or a hidden dip in the road so that you are travelling at a reasonable speed when negotiating the bend or dip.
Just because you regularly travel on a country road, don’t get complacent. The conditions could frequently vary.

If the road is wet or slippery perhaps due to rain or a heavy frost overnight then slow down in case you have to stop suddenly.

Beautiful as the countryside is with tree-lined roads and bushes, they can block the view that you have of the road ahead and, possibly, an approaching hazard so adjust your speed accordingly to give you more time to react.

Only overtake slow moving vehicles such as tractors when it is safe to do so and give cyclists, ramblers and horse riders a wide berth when going by them at a reduced speed.

We hope that the above has given you “food for thought” and should you require car, bike or van insurance give the team a call on 02380 268351.