Tag Archives: insurance

Fatalities Caused By Drink Driving Increase

A Department for Transport publication produced on the 28th August 2019 has revealed that the number of deaths caused by drink driving in 2017 in Great Britain increased when compared with the previous year. Needless to say, we are sure that our readers will agree this is concerning.

Apparently, the central estimate of the number of people killed when either at least one driver or a rider was above the drink drive limit in 2017 was 250. In 2016 the figure was 230 so that is an increase of almost 9% – a worrying increase.

It is estimated that 8,600 people were either injured or killed in Great Britain in 2017 in road traffic accidents due to at least one driver or rider being above the drink drive limit. In 2016 the figure was 9,040 so that is a drop of 5%. Back in 1979 there were in the region of 19,470 road traffic accidents caused by drink driving.

In 2017, Wales had the biggest percentage of casualties due to road traffic accidents caused by drink driving at 5.3%. In England it was 5.1% and in Scotland it was 4.3%.

On a regional basis in England in 2017, the percentage of casualties due to road traffic accidents caused by drink driving was: –

  1. East Midlands 2%
  2. East 8%
  3. South West 8%
  4. North East 8%
  5. South East 7%
  6. West Midlands 3%
  7. North West 8%
  8. Yorkshire & Humberside 5%
  9. London 6%

When you look at the gender of drivers or riders involved in drink driving accidents in 2017 where they were above the legal drink drive limit, male drivers and riders make up for 79% and females account for 21%.

The penalty for someone being convicted of a drink driving offence can vary depending upon a number of factors that may include the likes of points on a driving license, being banned from driving for a period of time, a fine and imprisonment. It may also result in having to pay more for motor insurance as there are fewer insurance companies who will consider providing cover for someone who has a drink driving offence.

Army Parachutist Survives 5,000 Foot Jump That Goes Wrong

Those of you who enjoy the thrill of parachuting will be aware of the dangers and that on rare occasions things can go wrong. Well, that would appear what happened to an Army Parachute Display team member recently here in the UK.

The parachutist, who has not been named, was parachuting over Eastbourne in East Sussex and it was intended that those taking part would land in the sea. Unfortunately, this particular parachutist seemed to get into difficulty whilst participating in a 5,000 foot jump and ended up descending to dry land. Miraculously, the person involved is said to have only suffered a few minor grazes. Apparently, the St Johns Ambulance Service and the police provided assistance.

Let’s hope that the person involved makes a full recovery and is soon taking to the skies again.

Coincidentally, it has also been reported that a female skydiver near Quebec, Canada who is 30 years of age has been involved in a skydiving accident that also involved a jump from a similar height. Apparently, not only the main parachute but also the reserve one failed to open and she plunged to the ground landing in trees. Fortunately, she has survived but has a number of broken bones that will probably not come as a surprise to our readers. We wish her a speedy recovery.

Here at AIB Insurance, we have many years experience in arranging specialist cover for a number of airborne sports including the likes of skydiving and parachuting. If you are looking to take up the sport or your existing cover is shortly due to be renewed then why not get in touch with us on 02380 268 351. One of our experienced members of staff will be pleased to discuss your insurance requirements in detail and provide a bespoke competitive quotation for your consideration without any obligation. We look forward to hearing from you.

Significant Increase In Accident Claims During School Term

It is no secret that the roads are much quieter during rush hours when children are on school holiday and the time taken to get to work tends to drop. Some interesting research has been carried out by Admiral Car Insurance relating to the number of car accidents that take place in school term time when compared to the school holidays.

In the last five years, the number of claims submitted for accidents taking place between the hours of 8am to 9am and 3pm to 4pm increased by an average of 32% when children were at school compared to when they were on their summer holiday.

We are sure that you will agree the above is a large increase and is somewhat concerning.

It is interesting that the research by Admiral Car Insurance revealed that during the school rush hour in the morning motorists were most likely to collide with a third party vehicle by going into the back of them whilst in the afternoon a motorist was most likely to have their car hit whilst left unattended or parked.

The research found that 67% of motorists felt it was not as stressful commuting to work when school children were on holiday compared to when children were back at school.

According to the report, when a parent has to drop off a child at school or the nursery on the way to work, the distance travelled rises from 20 miles to 36 miles and the time taken goes up from 32 minutes to 54 minutes.

There is no doubt that driving a car is not as stressful during the school holidays when compared with driving in term time with 66% of motorists believing this to be the case.

It is the opinion of 71% of motorists that far too many parents take their children to school using a car. There are other potential modes of transport such as train, bus, cycling or walking.

A parent can become distracted by their children when driving them to school so it is important that they concentrate on the road to reduce the possibility of being involved in a road traffic accident.

If your car insurance policy is shortly due for renewal or you are looking to arrange cover for the first time then why not give us a call on 02380 268 351 and have a chat with one of our friendly, knowledgeable members of staff. He or she will be happy to discuss your requirements in detail with a view to proving you with a tailor-made, competitive quotation for your perusal. You will be pleased to read that we have an extensive panel of vetted insurance companies on our panel. If you wish to go ahead with the cover then we will be able to assist in putting the policy in place as quickly as required.

Lotus Become Official Partners of Norwich City

Lotus and newly promoted Premier League football team Norwich City Football Club have today announced a new multi-year global partnership. The collaboration sees the state-of-the-art training facility renamed The Lotus Training Centre, and the all-new Academy building renamed The Lotus Academy. Lotus branding will feature on the first-team ‘walk-out’ jackets, on all Academy shirts from the Under-23s squad through to the Under-9s, and on pitch-side branding at the Carrow Road stadium.

The partnership is announced on the eve of the Canaries’ first game of the 2019-20 Premier League season against Liverpool at Anfield. The agreement sees two long-standing Norfolk brands coming together as they each enter a new and exciting phase on the global stage, and with the local community at the heart of their ambitions.

Lotus is embarking on a major global transformation. Last month it unveiled the world’s first fully electric British hypercar and most powerful production car, the Evija, which is designed, engineered and produced at Lotus’ headquarters in Hethel, Norfolk.

The launch of Evija is the first visible step in Lotus’ plan that will see the company invest significantly over the next few years, to expand its product range and become a global premium performance car brand. Lotus has been making cars at Hethel, to the south of Norwich, since 1966 and currently employs around 1,200 people in the region.

Lotus and Norwich City Football Club have released an entertaining film featuring owner Delia Smith and former player Darren Huckerby to mark the start of the partnership.

Simon Clare, Executive Director, Global Marketing, Lotus, said: “Lotus is a brand born for and out of performance and competition, so this partnership is perfect for both parties. Together Lotus and Norwich City Football Club share core values – commitment, passion, focus, hard work, a winning mindset – and the success that flows from them.

“This partnership joins two iconic Norfolk brands as they accelerate on to the global stage together. Both share a desire for innovation and, as we herald a new era together, we are incredibly excited about playing a part in the development of Norwich City Football Club and its talent. Today we are investing in that future.”

All Lotus branding reflects the company’s new corporate identity, which features a revised roundel and new typeface for the wordmark. Simon Clare explained: “We’ve looked back at the original Lotus roundel and thought about Colin Chapman’s philosophy – to simplify and add lightness. We’ve applied that to create a new roundel, taking the weight out of the lettering and adapting the spacing. We’ve also straightened the word ‘Lotus’ so it’s consistent with the Lotus wordmark.”

Ben Kensell, Chief Operating Officer at Norwich City Football Club, said: “This is a momentous deal for us. We’re so thrilled to partner with one of the most iconic and high-profile brands, not just in Norfolk, but across the UK and internationally. I’m proud that our resurgent Club is partnering with Lotus at a time when it is relaunching its brand into a new and exciting future. The synergies between our two businesses are striking, and for our Academy players to be proudly wearing a shirt that has such a well-loved logo on is really special.”

Zurich Private Clients Cover Improved

Back in 2016, we were pleased to add Zurich Insurance Group to our closely vetted panel of insurers with this including the Zurich Private Clients section catering for high net worth clients wishing to cover the likes of their luxury homes and expensive motor vehicles.

Well, we are pleased to inform our discerning clients that Zurich Private Clients cover has recently been enhanced. Below we provide details of some of the improvements that have been made: –

Home Insurance Enhancements

  • Home Emergency Cover totaling £1,500 has been added to the policy as standard with this covering emergencies such as water leakage requiring an approved repairer to attend 24/7.
  • New Acquisitions notification period has gone up from 60 days to 90 days.
  • Jewellery limit has gone up from £15,000 to £25,000 per item.
  • Sums insured for specified antiques, fine art and valuables is now index-linked on an annual basis.
  • Cyber Assistance cover has been added including damage to home systems due to a cyber event up to £100,000.
  • Antiques and fine arts limit has risen from £25,000 to £50,000 for each item.
  • Extended cover now includes contract works for up to the lesser of 20% of the sum insured or £1 million.

Motor Insurance Enhancements

  • Alternative transportation costs limit has risen from £3,000 to £5,000.
  • Breakdown cover is for named individuals on the motor insurance certificate as opposed to specified vehicles.

Any new customer taking out a Zurich Private Clients policy will benefit from these enhancements immediately. Existing customers with a Zurich Private Clients policy will benefit from the above enhancements immediately with the exception of cyber and home emergency cover that will be incorporated at renewal from around December 2019 onwards.

The above improvements in cover can only be of potential benefit to our high net worth clients so they are most welcome. We are pleased to inform you that, since adding Zurich Insurance Group to our panel, we have been most impressed with the service that they have provided.

Almost 3,000 UK Citizens A Week Claim On Travel Insurance For Medical Treatment Abroad

It is that time of year when people are looking forward to a much needed holiday abroad whether that is a week or two across the English Channel in France or Spain or further afield to the likes of the USA or Mexico. Unfortunately, not everyone bothers to arrange travel insurance that includes medical cover but having read the following statistics published by the Association of British Insurers (ABI) we are sure you will agree it would be sensible to do so.

According to the ABI, in 2018 there were 153,000 people who claimed successfully on their travel insurance policy for overseas medical treatment. That is not far off 3,000 people a week – a significant number.

The average amount paid out per medical claim reached a record level – £1,368. That is almost twice what it was 10 years ago when the figure was £768. That equates to around £209 million.

In total, £400 million was paid out last year relating to all sorts of travel insurance claims with an average amount of around £800 per claim with this being a record.

The amount paid out in 2018 for cancellation of holidays amounted to a huge £145 million. This was made up of 167,000 successful claims with the average amount paid per claim reaching a record level of £869.

£17 million was paid out to 79,000 people who had lost money or baggage with the average amount of a claim being paid out totaling £214.

In some cases, claims can run into tens of thousands of pounds so it is important that travellers have suitable cover in place. In one case, a couple on holiday in America were seriously injured having been hit by a drunk driver and the medical bill amounted to £587,000.

So, what has happened to premiums for travel insurance in 2018? Well, you would have thought they had increased but this is not the case as the average cost of travel insurance has fallen by £38 per annum.

You will be pleased to read that, if you are shortly to embark on an overseas trip, either on your own, with your partner or your family here at AIB Insurance we have many years experience in helping arrange suitable, quality, competitive overseas travel insurance to most countries around the world. So, why not give us a call on 02380 268 351 and speak with a knowledgeable, friendly member of our team who will discuss your requirements and obtain a quotation without any obligation.

Chris Moon Joins AIB Insurance

Airsports Insurance Bureau is thrilled to announce strengthening our Eastleigh team further with the appointment of experienced insurance professional, Chris Moon.

Chris joins our busy team as one of our specialist Niche & High Net Worth Insurance Consultants adding his many years’ experience within the insurance broking industry.  His previous position was at Savage and Holdsworth in Romsey where he joined after 3 successful years at Aston Scott in Alton.  Prior to that he worked for over 12 years at Apex Insurance in Eastleigh (which during his tenure was purchased by Swinton Insurance).

He joins the team where he will deal with every aspect of an expanding, predominantly high net worth personal lines insurance broker, including motor, travel, home and commercial insurance.

A delighted Chris said:” This is a perfect opportunity for me to develop my career further in a fast-paced expanding broker.  I’m really looking forward to getting my teeth into and growing the high net worth motor and home book.

At AIB we pride ourselves on the quality of our staff and the professional relationships we are able to build with clients and insurer partners alike. We encourage our team to reach their full potential and give them the tools and resources for a rewarding career in a satisfying but demanding environment. If you are interested in a position with us please send your CV and accompanying letter to info@www.aib-insurance.co.uk

Chris lives locally in Eastleigh with his partner of 19 years and 3 children.  Most of his spare time is taken up with the family and his claim to fame is he got to meet Rodd Hull and Emu as a child!

Becca Milles Joins AIB

We are extremely happy to welcome Becca Milles to our company. We have a busy and successful team of professionals at Airsports Insurance Bureau (AIB) and Becca joins as our Administration Manager.

Prior to joining us Becca had her own photography business with her own studio having graduated with a First Class Honours Degree from the Arts University at Bournemouth.

AIB representative Leah Burt confirmed “this is fantastic news for our company and our newest employee Becca is fitting in very well. She is a fast learner and adaptable and even been on a few staff social nights out. She will be a valuable asset within the team and enhance our clients’ experience when doing business with us”.

Becca lives locally in Chandlers Ford and her claim to fame is she once had dinner with both Danny DeVito and Elton John dressed in a chicken outfit. A childhood fact is when she was very young she once got a Tic-Tak stuck up her nose which despite every attempt, couldn’t get recovered until the Fire Service arrived!

AIB are fabulous at motor and home insurance so if you need a quotation, please call our team on 02380 268351 or please feel free to complete an enquiry form just now here: www.aib.co.uk

Good luck Becca and welcome on board!

An MP Is More Likely To Have A Driving Conviction

The price comparison website GoComapre.com has carried out some analysis of car insurance quotes over a 12 month period that reveals a Member Of Parliament is most likely to have a driving conviction than any other occupation. This may come as a surprise to many of you.

As you are probably aware, what you do for a living is one of the factors that affect how much a car insurance provider charges you for your cover. The greater the risk that you are perceived to be in danger of being involved in a road traffic accident the more you are likely to pay for your motor insurance.

 

Total Convictions

Their research revealed that 24.4% of quotes they looked at for Members of Parliament involved that person having one or more driving convictions. In second place were Sales Directors at 20.8%. In third place were Managing Directors at 19.7%. In fourth place were Bailiffs at 19.4%. In fifth place were Radio Presenters at 19.2%. In sixth place were Riggers at 19.1%. In seventh place were Money Brokers at 18.8%. In eighth place were Operations Directors at 18.7%. In ninth place were Company Chairmen at 18.2%. In tenth place were Surgeons at 17.6%.

 

Convictions for Speeding

If you look at the occupations that have the most speeding convictions it is interesting that 22.1% of car insurance quotes for Members of Parliament revealed such a conviction. In second place were Radio Presenters at 19.2%. In third place were Sales Directors at 18.9%. In fourth place were Managing Directors at 17.7%. In fifth place were Operations Directors at 17.4%. In sixth place were Bailiffs at 16.7%. In joint seventh place were Money Brokers and Company Chairmen at 16.6%. In ninth place were Surgeons at 16.5%. In tenth place were Chartered Surveyors at 16.3%.

 

At-Fault Claims   

The occupation with the most at-fault claims when looking at the above car insurance quotes was a Paediatrician at 17.0%. In second place was a Psychiatrist at 14.0%. In third place was an Usher at 13.1%. In fourth place was a General Practitioner at 12.4%. In joint fifth place were a Surgeon and Hospital Consultant at 12.2%. In seventh place was a Museum Consultant at 11.6%. In eighth place was a Radiologist at 11.5%. In joint ninth place were a Transcriber and Vicar at 11.3%.

All the above factors can impact upon how much a motor insurance provider charges you for the cover you require. It is important that when looking to obtain cover that you use the likes of an insurance broker that has an extensive panel of insurers at their disposal. In this respect, why not get in touch with us here at AIB Insurance on 02380 268 351 and speak with an experienced member of our team. He or she will discuss your requirements in detail so that a competitive quotation can be provided for your perusal and consideration. We look forward to being of assistance.

 

Enjoying the Grand National with our friends at United Legal

A big thank you for the invitation from United Legal to join them at the Grand National at Aintree Racecourse, near Liverpool.

The day started with a beautiful sun drenched spring morning, champagne reception and food that tasted as good as it looked. It finished with the much fancied 4-1 favourite Tiger Rolls marching home becoming the first horse since Red Rum, some 45 years ago, to win back to back Grand Nationals.

Ridden by Davy Russell, Tiger Rolls was level with Magic of Light (66-1) going over the last fence, but pulled clear to repeat last year’s win.Ruby Walsh finished third on Rathvinden (8-1) with Walk in the Mill (25-1) fourth.

Not since the legendary Red Rum in 1974 had a horse successfully defended the Grand National. Red Rum added a third in 1977 to become one of the all-time greats, and now Tiger Roll has sealed his place in Aintree folklore – the question is of course, will owner Michael O’Leary allow him to defend his title in 2020?

A brilliant day was made even better when our very own Jenna backed the winner, Tiger Rolls!!

United Legal are specialist providers of Legal Expenses Insurance, meaning if you have an accident or if you want to claim, they will provide a hassle free service to reduce the risk of high legal fees if something goes wrong.

With over 25 years experience in the insurance industry, they also provide the uninsured loss recovery, credit hire and repair and third party intervention to Insurance Brokers clients in the United Kingdom.