Government Propose Further Crackdowns On Uninsured Drivers

Yesterday the topic of cracking down on the estimated two million uninsured road users was discussed in Parliament.

However, the British Insurance Brokers Association, Biba, asked the government to ‘add teeth’ to the bill.

Biba’s technical services manager Graeme Trudgill said  that the bill ’does not provide enough of a deterrent to halt the scourge of uninsured drivers who are making our roads so unsafe’.

Britain has the worst record of uninsured drivers in Europe which cost law abiding citizens approximately £30 extra on their insurance premiums to meet the cost of those who choose to flout the law.

Biba has called on the government to raise the fixed penalty of £100 for uninsured drivers who are caught on the roads and to establish a visible and effective enforcement agency. They also ask for the enforcement agency to be given the power for clamping and vehicle disposal.

Those driving on the UK roads without insurance usually means they do not have any tax either and while insurance premiums are remaining pretty stable at the moment these are unlikely to ever be reduced unless every single vehicle had valid insurance and let’s be honest that it is not likely to happen, although the proposed new measures may be enough of a deterrent to make some people think twice before driving without appropriate car insurance.
Anyone who has two or more vehicles should try and take advantage of mini fleet insurance deals to help lower the cost of their annual insurance costs.

Online Car and Van Insurance Deals

It seems every time you switch on the TV a bombardment of commercials flash across the screen telling you of the great savings you can make on your car insurance.

Churchill are now offering for their prices to remain the same until next, it’s wise to read the small print at the bottom of the screen as restrictions and conditions do apply.

With all insurance companies claiming to give you the best deals it can all become very overwhelming. The insurance industry is a very competitive market place as such most reputable insurance companies will offer a ‘like-for-like quote or offer to beat any quote you have be given on a like-for-like basis.

Needless to say cheap does not always mean it is the best. Many of the cheap insurance will only provide basic cover, while you may pay a little more if you use a different company their policy may include far more. In other words by the time you have added the optional extras onto cheap insurance it doesn’t actually work out cheaper than using a slightly more expensive company which include these optional extras within their quote.

Many insurance companies will also offer a reduction if you buy online. The best thing to do if you’re looking for car or van insurance is to go online and make comparisons as to exactly what you get for your money. If you’re not sure give them a ring and tell them what you are looking for and they will offer you their best quote. You could also use a comparison website, however, not all insurance companies are listed. Alternatively use an online car or van insurance broker and let them do the searching for you.

The Use of ‘Capture Cars’ is on the Increase

The use of  ‘Capture cars’ was recently given a report on the BBC’s The One Show.

The report informed viewers that many police constabularies are using ‘capture cars’ to reduce the number of cars being broken into while parked.

The police believe that ‘capture cars’ can and are reducing the number of car burglaries quite substantially. Interestingly the reporter and a ‘re-formed’ car burglar walked only a short way down a street lined with parked cars looking inside to see that Sat Navs, mobile phones and other valuable goods were left in full vision. Far too easy for burglars to smash the window and help themselves in a matter of a few minutes.

The ‘capture cars‘ are fitted with video cameras and also ‘Smart water’ which covers the burglar with a fine spray of fluid which can then be detected on clothing and skin under ultra violet style lights. The ‘Smart water’ remains in place for many weeks despite how many times it’s tried to be washed away.

The report also raised the subject of entrapment and whether capture cars were being deliberately ‘baited’ with valuables to entice people/car thieves to break into the car.

There are many different views and opinions as to the pros and cons of such tactics.
Law abiding citizens should have nothing to worry about is a view held by many people.

Whatever your opinion it is important to remember not to leave valuables on display inside a car or van when it is parked. Valuables should be taken with you or locked out of sight in a boot. It is also worth checking your car insurance or van insurance to see whether you will be able to make a claim should you become a victim of car crime.

Car Fleet Insurance

Do you have several employees who drive your company vehicles for business purposes such as running errands, delivering items, and more? If your answer is ‘Yes’ then the best option for you is fleet insurance.

Fleet insurance is advisable for the businesses that own five or more company cars. The policy is pretty much the same as with personal car insurance. It has a liability and policies that covers the damage, injury, as well as theft. However, instead of thinking about the different policies for each of your company cars, fleet insurance will only give you one policy that would cover all your vehicles, making it hassle-free – especially for business owners like you.

But before your purchase fleet insurance, make sure that you compare at least three to four insurance companies in order to get the best rate. It is also essential that you check the driving records of the employees using your company vehicles because the damage covered by the fleet insurance will also depend on the capability and driving record of your employee.

This type of insurance also lets the business owners with more than five vehicles have a reduced insurance rate. The can get claims easily and stress-free through the use of the fleet insurance.