Tag Archives: Research

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.

Your Employment Status Is Important When Applying For Car Insurance

EmploymentWhen you apply for a quote for car insurance, whether it is direct with the insurance company, through a broker like ourselves or via a price comparison website, you will be asked a number of questions to assess the risk you present to the insurer of making a future claim and to provide you with a quotation for the cover you require. These questions include things like your age, marital status, where you live, make and model of car, where the car will be parked overnight, how many miles a year you drive, what you will use the vehicle for, whether you have any driving convictions or claims and your employment status.

MoneySuperMarket.com has done some research into the impact employment status may have on how much you will be quoted for your motor insurance that makes for interesting reading so we thought we would share with you some of the results that is based upon data in January 2018. It just shows how important it is that you provide accurate information in this respect as far as how much you will be quoted for your cover.

If you are a housewife then the average premium was £563.04 per annum. However, if you mistakenly stated on the quotation request form that you were unemployed then you can expect to pay, on average, an extra £146.39 per annum. That is an increase of 26%.

If you are a student then the average premium was £1,327.87 per annum. However, if you stated by mistake that you were a mature student living at home then you can expect to pay, on average, an extra £92.95 per annum. That is an increase of 7%.

If you are retired then the average premium was £265.66 per annum. However, if you made an error and stated that you were unemployed then you can expect to pay, on average, an extra £98.29 per annum for your cover. That is an increase of 37%.

If you are a student then, as stated above, the average premium was £1,327.87 per annum. However, if you stated incorrectly that you were unemployed then you can expect to pay, on average, an extra £677.21 per annum. That is an extra 51% which we are sure you will agree is a huge difference.

As you can see, as stated earlier, it is vital that accurate information is provided when applying for a quotation for car insurance or indeed any form of insurance as deliberately providing false details has a number of potential implications including the insurance company refusing to pay out in the event of a claim.

If you require a quote, perhaps because your existing policy is shortly coming up for renewal or if you are a young motorist looking for cover to insure your first car, then why not get in touch with us here at AIB Insurance on 02380 268 351 and speak with an experienced member of our team who will discuss your requirements and obtain one or more competitive quotations for your perusal and consideration without any obligation. We look forward to hearing from you.