Uncategorized

What your car insurance premium pays for and how to spend less

car insurance premiums

Whiplash can be a legitimate complaint. But it’s so hard to prove there are calls to make claiming harder to cut down on fraud

Drivers can now work out exactly what their car insurance premium pays for – and it’s probably not what you think. The Association of British Insurers (ABI) has broken down the cost of premiums to show the different elements we pay for when our annual renewal is due. It wants to use the stats to encourage the government to speed up reforms which it hopes will cut the cost of cover for drivers.

By far the biggest part of our car insurance is in pay outs for personal injuries. These account for more than a third (37 per cent) of every driver’s premium. With the average driver paying £434 a year for cover, that’s £161 from every driver in the UK going on injury compensation.

Continue reading

How to prepare your car for the February half-term skiing holiday

February half-term skiing

There’s plenty to think about before you even get to the slopes

February half-term skiing is a popular pursuit for many British families seeking more than a sun lounger and swimming pool from their holiday. France, Italy and Austria are popular winter sports destinations for Brits, and their relative proximity combined with the hassle of navigating airports while heavily laden with all the luggage a skiing holiday requires means driving to the slopes is becoming an increasingly popular option.

However, it’s not all plain sailing. In the run up to Christmas 2014, 15,000 cars were stranded in the Alps when a sudden heavy fall of snow caught local authorities and police napping. Those thinking about driving to their skiing or snowboarding holiday need to prepare in advance. That way they’ll have a greater chance of enjoying a trouble-free journey, in addition to time on the slopes. Continue reading