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Car insurance comparison website introduces new feature to Facebook page

December 12, 2011 By Dawn Bickford Leave a Comment
tiger_logo

Car insurance price comparison website, tiger.co.uk, have launched an interactive question and answer service via their official Facebook page which will enable customers to obtain answers to the questions that are important to them, quickly and efficiently.

Ask the Tiger is the name of the new interactive FAQ feature offered via the independent car insurance price comparison site’s social media page. Fans of the company on Facebook will be able to post their questions and get a response within 24 hours.

Tiger.co.uk first introduced the interactive support facility to their main website back in February of this year, however the insurance provider decided to make the feature even more accessible for their users by installing the service on their Facebook page making it even more convenient for customers to get answers to their questions.

Since its launch back in 2009, tiger.co.uk has been striving to track down the most affordable deals on motor insurance for its many UK based customers by comparing quotes across a massive range of 140 insurance providers.

With the introduction of tiger’s new interactive FAQ service on Facebook, the comparison website hope to make it even easier than before for their users to track down a value for money car insurance policy which is ideally suited to their driving needs.

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Tailgating tops list of most annoying driving habits

September 30, 2011 By Paul Roberts Leave a Comment
tailgating-car

Tailgating is the most annoying driving habit, according to a recent survey carried out on behalf of car insurance provider, Admiral.

The study was carried out by YouGov on behalf of insurance provider Admiral and polled 2,500 in order to determine the most annoying habits of road users. While tailgating came top as the most annoying habit, following close behind is not indicating before turning off or changing lanes, while cutting up another driver by driving across their lane unexpectedly ranked third in the list of habits which get under the skin of other road users.

While these habits may have ranked highly for being annoying to other drivers, they are also extremely dangerous as not leaving enough space between you and the car in front when tailgating can lead to crashes if the traffic in front stops suddenly.

Other irritating practices which the poll highlighted include not paying attention while driving, also hogging the middle lane of the motorway, and 44% of those polled admitted that other drivers not saying thank and being discourteous you really got on their nerves.

The results serve part of a wider survey which sought to find out if the UK roads have become worse in the last few years, with the general consensus believing that is has.

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Women more likely to bend the truth when taking out car insurance

September 6, 2011 By Paul Roberts Leave a Comment
car-insurance-keys

Female drivers are more likely to bend the truth when applying for car insurance, according to recent research carried out by eCar.

The eInsurance Group which serves 280,000 insurance applications every month carried out research into the habits of both sexes when it comes to divulging information which could have an effect on their insurance policy. The insurance provider say they have noted an upturn in the number of female drivers avoiding the truth when taking out policies.

In May of this year, the provider revealed that 20% of their policies underwent fraud investigations. Out of those policies which were subsequently declined, 51% were made by women, while 49% were made by men.

The top untruths uncovered by the investigations included not fully disclosing convictions, of which 47% of women were guilty compared to 64% of male drivers. Giving misleading information regarding licence length was highlighted as a reason for revoking 68% of insurance policies for women drivers, and 32% of male drivers. 53% of female policy holders and 47% of male policy holders were caught out as a result of incorrectly stating the length of their no claims bonus.

Car insurance fraud has added 38% to the cost of all annual insurance policies over the last year, forcing 1.3 million drivers off the road as they can no longer afford the cost of their premiums.

The results have spurred eInsurance to start a new campaign, Truth or Dare, to encourage drivers to take a more truthful approach to their car insurance.

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6% of drivers willing to take on another’s penalty points

September 5, 2011 By Katrina Campbell Leave a Comment
speed-camera-sign

6% of drivers in the UK admitted that they would be willing to take on the penalty points notched up by a friend or relative, despite the fact that it is an illegal offence to do so.

The research into British driver’s attitude towards penalty points was carried out by LV Car Insurance. They discovered that 3,823,544 UK licence holders in the UK currently have penalty points, 82% of which are for speeding. Drivers caught breaking the speed limit can be hit with a fine, and will also have anything from 3 – 12 points added to their licence, anyone with 12 or more points on their driving licence is disqualified from driving.

With this in mind, 66% of drivers said they would be willing to take the penalty points for a family member, partner or friend to prevent them being disqualified from driving. 59% of drivers would take the rap for another to protect the livelihood of the driver receiving the points if the addition of points to their licence would mean them losing their job.

21% of drivers said they would take the points for a friend because they believe that person is a safe driver, despite having committed a driving offence. 6% of motorists admitted they were paid to take the points for a friend or relative.

However taking penalty points to save another driver is a criminal offence, and one that the police are looking to clamp down. New speed cameras equipped with video recording devices are being trialled which will take a clear photograph of the driver which will then be compared against the photo kept on record at the DVLA which will make it harder for drivers to pass their points onto others.

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Drivers in US listing their sports cars as farm vehicles to save money on insurance

July 12, 2011 By Samantha Lewis Leave a Comment
car-insurance-keys

A recent investigation by a San Francisco company in the US uncovered a worrying trend of motorists declaring their sports cars as farm vehicles on their insurance policies in order to reap discounts of up to 20% on their annual motor insurance policy.

Quality Planning was called in to verify the details on thousands of car insurance policies, the LA Times reported, and found that out of 80,000 policies it investigated, 8% so some 6,382 vehicles, were registered for farm use and yet they were registered to an address where less than 1% of the population in that area are engaged in agriculture.

One of the examples flagged up by the investigation cited an Audi A4 model which was registered to an inner city address in Brooklyn, New York City, however the owner had claimed on the insurance document that the car was for farm-use, saving the driver $389 a year on the cost of cover.

Insurance providers offer concessionary rates on insurance policies for vehicles which are largely engaged in farm use as they are statistically less likely to be involved in accidents with other vehicles or to fall victim to theft compared to urban cars.

However this practice of wrongly claiming cars for farm use is costing the insurance industry £150 million a year in unpaid premiums and so insurers have decided to get tough on these unscrupulous drivers by bringing in outside companies to verify the data of their policy holders – so be warned, if your Porsche is registered for farm use to save you a few quid, now’s probably a good time to change it.

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Survey finds motorists are being more honest with insurance providers

July 8, 2011 By Katrina Campbell Leave a Comment
woman-driver

The findings of a recent survey by a leading insurance price comparison website has found that drivers in the UK are being more honest when applying for quotes for car insurance and are not attempting to bend the truth in order to get a cheaper deal.

The research was conducted by car insurance price comparison website, Confused.com, and found that there has been a sharp decline in the number of drivers lying to insurance providers with the intention of getting a cheaper rate on their annual cover compared to this time last year.

In 2010 a similar survey found that 32% of women and 46% had been economical with the truth when applying for car insurance, however those figures are in sharp contrast to this year’s results with just 12% of women and 17% of men admitting to lying to their insurance company. The results are even more unexpected as the cost of car insurance has continued to rise year on year making it more expensive for drivers to get cover for their vehicle.

Although drivers appear to be more honest this year, one thing hasn’t changed and that’s the gender divide as the study conducted by Confused.com on 2,000 customers found that men are still more likely to tell a white lie to their insurance company compared to women.

One of the main reasons cited for this honest approach to car insurance shopping is that drivers are becoming wary of lying to their insurance provider amid fears their policy could be deemed invalid should they attempt to make a claim and information provided is found to be false.

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New car insurance scheme to be trialled on drivers in Northern Ireland

April 27, 2011 By Katrina Campbell Leave a Comment
autoline

A new car insurance scheme which uses an electronic device to monitor driving habits and abilities will be trialled in Northern Ireland.

The data recorder can be fitted inside any car and will collect information on how well or badly the car is being driven. The information which is gathered by the recorder will then be used by the driver’s insurance provider to help in calculating an insurance premium which is in-line with the driver’s capability behind the wheel.

The new style insurance scheme is being offered by Autoline Insurance to drivers in Northern Ireland only initially. A similar system has been piloted in US for several years and has since made its way over to selected parts of Europe.

Autoline Insurance stress that this type of cover is completely voluntary and only drivers who request the data recording devices will have these installed in their vehicles. The recorders tell the insurance company how well the car is being driven, the times at which the car is on the road, if the driver keeps within speed limits, and even the location of the vehicle.

The insurance provider believes the new system could have “huge repercussions” for the car insurance industry as it could change the way premiums are calculated in the future, avoiding the one size fits all approach.

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Over three quarters of women believe European ruling on car insurance is unfair

March 4, 2011 By Paul Roberts Leave a Comment
Young-female-driver

According to a recent report published in the wake of the recent European Court of Justice ruling which found gender bias in the insurance industry to be discriminatory, 1 in 8 women believe the ruling is unfair.

Currently, women enjoy cheaper rates than male drivers on car insurance as statistics show that they are less likely to be involved in an accident, and even when female drivers are involved in a crash, their claims are lower.

However the European Court of Justice this week ruled that using gender as a means by which to calculate risk by insurance companies was tantamount to discrimination, and so from December 2012, gender will no longer be taken into consideration when calculating car insurance premiums.

The upshot of this is that women can expect higher rates of car insurance, while male drivers are likely to see a reduction. However a recent report found that the vast majority, 78%, of those women questioned thought the ruling was unfair. Only 22% of respondents thought the ECJ ruling was just.

Not surprisingly, the poll found that male drivers were happy with the ruling, with 74% declaring that they agreed with the decision from the court in Luxemburg that gender bias is discriminatory and that they welcome the change in the rules.

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Women will face higher car insurance premiums following ruling from Europe

March 2, 2011 By Dawn Bickford Leave a Comment
woman-driver

It’s been the subject of much discussion over the course of the last few months, and now it’s official; women will have to pay more for their car insurance in the future following a ruling from the European Court of Justice which found that gender bias in calculating insurance rates is discriminatory.

Women currently benefit from cheaper rates of car insurance as they are viewed as a lower risk group compared to male drivers who are statistically more likely to be involved in an accident. Figures also show that male drivers tend to be involved in more serious accidents than their female counterparts, and so in the past, insurance companies have used these kinds of statistics to calculate risk.

However the European Court of Justice in Luxemburg has ruled this week that using gender as a “risk factor” to calculate the cost of car insurance premiums “constitutes discrimination”.

The ruling means that from December 2012, insurance companies will no longer be able to offer lower rates of cover to drivers based on their gender. As a result, female drivers could face an increase in the cost of their insurance of up to 25%, while male drivers could see a reduction of as much as 10%.

As well as affecting the insurance premiums, the ruling will also have an impact on the way life insurance and pensions are calculated.

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Female car insurance provider not worried about EU ruling

February 23, 2011 By Dawn Bickford Leave a Comment
sheilas-wheels

Specialist female car insurance provider, Sheila’s Wheels, say they are not worried about the forthcoming European Court of Justice ruling which is expected to bring an end to gender bias in the car insurance industry.

Currently, women enjoy cheaper car insurance premiums than men on the whole, this is especially true in the younger age brackets as young male drivers have been proven to pose a bigger risk to insurers as they have a higher accident rate. However if the expected EU ruling goes ahead, it will then become illegal for insurance providers to calculate insurance rates based on gender.

This could spell bad news for insurance companies, such as Sheila’s Wheels, who specialise in cover for female drivers. However the insurer says they are not worried about the anticipated change. They believe that the change could be beneficial to specialist female insurers as it will attract more drivers to their brand.

Although Sheila’s Wheels do offer insurance policies to men, the overwhelming number of customers are female. Because of this high ratio of women to men holding Sheila’s Wheels policies, premiums will be kept low as women are statistically, less likely to be involved in a serious accident.

Sheila’s Wheels are currently running an advertising campaign on TV and in press publications, however they are not planning to run an ad campaign in light of the expected change to gender discrimination in the insurance industry.

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