Snow Socks introduced for cars to help reduce insurance claims during the big freeze

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Car manufacturer Vauxhall have launched snow socks which are aimed at making car travel safer during the snow and ice which has blighted Britain over the last few days.

Vauxhall’s snow socks are made of fabric and are designed to be fitted to the two front wheels to help the car grip the surface and plough through thick snow more easily. They are designed for use up to 50mph, although the manufacturer recommends driving at a far slower speed for safety reasons.

The car accessory fits over the tyres and the manufacturer claims they are a better option than car chains and winter tyres which are more commonly used during icy and snowy conditions to provide better grip on the road.

It is hoped that the use of snow socks may go some way to helping to reduce the number of accidents caused by snow and ice during the winter months. Last year during December 2009 through until January 2010 when the UK was hit with a severe cold snap, the Association of British Insurers recorded £395 million worth of claims paid out as a result of accidents caused by the weather.

The snow socks are made out of a unique kind of fabric which has been arranged at right angles in the opposite direction to the way the vehicle is travelling in order to create a greater resistance, and therefore enhanced grip on the road.

Although the snow socks are manufactured by Vauxhall, they can be used on any type or model of car. The car accessory retails at £49.99 for a pair of snow socks and they can be purchased from any Vauxhall dealer.

Aussie cops trial cameras which spot uninsured drivers

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Police in New South Wales, Australia, are trialling a new type of camera which spots cars which are uninsured by automatically screening their number plate.

As well as detecting uninsured vehicles, the high-tech cameras also flag up vehicles which are unregistered and which have been reported stolen, or wanted for any other kind of serious motoring offence.

At present only one new police patrol car has been equipped with this special equipment which uses number plate recognition to screen the vehicles. The advanced technology used in the cameras means that the device is able to read up to 6 number plates simultaneously every second. Cars to the front and side of the police patrol car can be picked up.

The mobile camera can be used while on the move, and it can even read the number plates of speeding vehicles up to a maximum speed of 110km/h.

A similar type of camera is also being trialled in Europe currently. These static “Big Brother” style cameras can also detect a multitude of vehicle details including whether or not the vehicle has a tax disc, and also whether the passengers are wearing seat belts, or if the car is tailgating the vehicle in front by measuring the distance between the two vehicles.

If the tests in Europe on these new style cameras are deemed a success, we could see this technology on UK roads within the next couple of years.

Don’t fall victim to winter car crime warns insurer

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One insurance company has spoken out to warn UK motorists to take extra care during the winter months so as to avoid falling victim to winter car crime.

With the dark nights now upon us, car insurance company Swinton is offering advice to drivers in order to prevent more people being targeted by thieves during the winter months.

Swinton carried out a survey of 1,200 of its online customers and found that despite the darker nights, a high percentage of people are failing to take extra precautions with 32% admitting to not parking in a well lit area, and 24% revealing that they leave their cars running while they defrost their car windscreens. A further 72% said they had left presents on the back seat of their car while out Christmas shopping.

The aforementioned practices all raise your chances of being a victim of winter car crime. With extended hours of darkness, there’re more opportunities for thieves to commit crimes such as breaking into cars.

To avoid putting yourself in harm’s way, take basic precautionary measures such as parking in well lit areas, and concealing or removing all valuables so as to not leave yourself open to opportunist thieves. Swinton also took the opportunity to remind drivers that leaving a car unlocked invalidates a car insurance policy, so it’s not advisable to defrost a car windscreen while the car is open with the keys in the ignition.

24% of drivers have paid for damage to avoid making an insurance claim

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24% of drivers have revealed they paid for damage caused to another vehicle instead of making a claim on their insurance policy.

The research was carried out by MyVoucherCodes.co.uk and found that the main reason drivers opt to pay out of their own pocket for damage instead of claiming on their policy is to avoid an increase in their insurance premiums. 11% of those questions said they paid for damage as they didn’t want to lose their no claims bonus.

Some of the other common reasons given by drivers for not making a claim after an accident include having a high excess on their policy which would make it cheaper to pay for damage themselves, rather than paying out for the excess.

Worryingly, 2% of those who took part in the survey paid to fix the car issues themselves as they weren’t covered by insurance.

1 in 5 motorists said they’d tried to shift the blame for an accident on the other party, even though they were actually at fault.

Out of those people who hadn’t paid for damage instead of claiming, 42% they would consider doing this in the future in order to avoid being hit by high premiums as a result of making a claim on their policy.

Car insurance scammers on the rise

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Car insurance scammers who stage accidents in order to claim money off the innocent party’s policy are on the rise, according to recent statistics.

It’s been estimated that these “cash for crash” fraudsters cost the insurance industry £350 million last year, adding an extra £44 to the cost of each UK motorist’s car insurance policy.

The most common technique employed by these fraudsters is to cause a situation whereby the innocent driver behind them, crashes into the back of their vehicle. It’s generally accepted that the driver who rear-ends another vehicle is in the wrong.

The scammers often set up these “accidents” on clear roads, or at roundabouts. Another trick they use to lead the victim into rear ending their vehicle is to slam on their handbrake so the driver behind won’t be alerted to the fact that the vehicle in front is stopping from the brake lights.

Victims are not chosen at random, instead the scammers single out elderly drivers, and lone parents, as they are less likely to fight the insurance claim. Commercial drivers are also a favourite with the fraudsters as they are less concerned about the damage as their vehicles are owned by their company.

The average amount obtained from each claim was approximately £17,000. This amount includes costs for personal injury, and also the damage to and recovery of the vehicle.

Insurance company offers tailored cover for ice cream vans

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Dudley based insurance provider Cater N Sure are offering specific tailored cover for all kinds of catering units.

The insurance company offers a range of insurance policies with cover provided for all kinds of mobile and static catering units including ice cream vans, mobile tea and coffee units, burger vans, buffet caterers and chocolate fountain and hog roast suppliers to name just a few.

Cater N Sure provides comprehensive insurance policies for businesses involved in the catering industry. These policies cover vital equipment onboard the mobile or static unit, stock, plus money from takings or for the till float, business interruption, and employer’s liability.

Additional policies are also offered alongside the main comprehensive policies, these include the Caterer’s Towing Vehicle Insurance which protects against damage to the vehicle used to tow the catering unit. Another useful policy offered by Cater N Sure is a Caterers Breakdown Insurance which includes roadside assistance, plus home start and vehicle recovery throughout the UK. This policy can be purchased from as little as £69 a year.

Quotes for trailer and liability insurance can be received online, however quotes for the additional policies can be obtained over the phone. Cater N Sure also offer customers the opportunity to purchase insurance online for added convenience.

Motor insurance premiums have risen 14% in second quarter of this year

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Motor insurance premiums rose by 14% in the second quarter of this year according to research from confused.com

In the three months to June the average cost of comprehensive car insurance has increased by 14.2% bringing the average price of comprehensive cover to £599 which is an extra £74 increase.

It’s been suggested that insurers are hiking prices in an attempt to claw back profit after suffering as a result of the economic downturn, also increased claims costs, higher personal injury payouts and also more fraudulent cases.

The cost of uninsured drivers on the road is also reported to have had an impact on the rising cost of motor insurance premiums, with the Motor Insurance Bureau revealing that uninsured drivers cost insurers £400 million last year alone. This cost is then passed onto the customer which equates to an extra £30 on every motor insurance policy taken out.

The largest regional quarterly increases were reported in Manchester, Merseyside, inner London and Northern Ireland. The age group to notice the biggest leap in comprehensive car insurance rates were the 41-55-year-olds.

It’s yet another blow for motorists who’ve already been hit by the rising cost of fuel, and also insurance premium tax increases. According to one of the heads at confused.com, the cost of insurance looks likely to continue to rise as insurers struggle to make money as a result of increased fraudulent claims, uninsured drivers and hefty personal injury costs.

Van drivers must declare all modifications to avoid invalidating their insurance

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Van drivers are being warned by insurance companies to ensure they declare any modifications made to their vehicle to avoid invalidating their policy.

Swinton Commercial is calling upon all of its customers to declare any change they may make to their work vehicle, regardless of whether or not the modification affects the vehicle’s performance.

It’s a common misconception that the policyholder need only inform their insurance company of a change to their van if it changes its performance. However all changes must be declared, whether the modification is just aesthetic, or functional.

If a driver fails to tell their insurance company about a change they’ve made to their van or car, then in the event of an accident, the insurer may not pay out. This is a nightmare for any driver, but for an individual who relies on their van for the livelihood, it would be a disaster.

Some of the most common modifications which are made to work vans include installing frails, which are rails that are secured to the outside or inside of the van so that items can to attached to them during transit.

Ply lining is another popular alteration being made to vans, as is adding a tow bar, and installing bulkheads. Even the smallest of modifications, like a change of signage on the exterior of the van needs to be declared.

Courier drivers regularly invalidate their van insurance during their working day

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It has been revealed that a high number of courier and delivery drivers are regularly invalidating their van insurance policies by leaving their keys in the ignition of their vehicles while making drop offs during their working day.

The news was revealed after a study was carried out by The Fuel Card Company which questioned a number of delivery drivers about their driving and work habits. The survey found that out of all of the drivers who were involved in the study, 21% admitted to leaving their vehicles unattended while they delivered goods.

Van insurance specialists have warned that this is a high risk practice, and should the van be stolen because the driver left the keys inside the vehicle, insurance companies will be unlikely to pay out.

Often delivery drivers say they leave their keys in the van with the ignition still switched on as the constant switching on and off of the engine while deliveries are being made can cause the vehicle’s battery to go flat. However insurance companies recommend that the drivers take the risk of a flat battery, rather than invalidating their insurance policies by leaving their vans open to opportunistic thieves.

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