New car and home insurance app launched by Zurich

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Zurich has become the first insurance provider to launch a smartphone application for home and car insurance combined. A number of insurers have introduced apps for either car or home cover, but Zurich are the first in the market to offer the two elements side by side.

The new app from Zurich is available to download onto Android and iOS devices and allows customers to record data following an accident, report an incident, and track their claim through the company.

These types of features are standard of insurance apps, however the Zurich application also provides customers with information on the nearest Zurich approved mechanic or home maintenance engineer, and also a helpful parking locator tool as well as advice on how to minimise the risk of a mishap in the home and tips for driving in severe weather conditions.

Having an app to hand when you encounter an accident can be especially beneficial in the claims procedure as the step by step guide ensures you record all relevant information your insurer will need to carry out a claim.

The app will also enable customers to submit pictures of damage which can be beneficial when filing a claim, and also ensure that the whole claim process is fast and efficient as information is received by Zurich with just a few taps of your phone keypad.

50% of drivers may downsize their car due to rising motoring costs

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50% of drivers plan to downsize their vehicle to a more affordable model should the cost of motoring continue to rise as recently seen, that’s the results of a survey which sought to discover the feelings of UK drivers on the future of motoring.

The survey was carried out by the British Car Auction (BCA) with 4,000 motorists being questioned as part of the poll. Out of those 4,000 drivers who took part in the research, 50% revealed that they would be looking to downsize their car in the future should the cost of motoring continue to be as costly as it is currently.

Rising fuel costs and the higher rates of insurance premiums were pinpointed as the two most concerning areas for the drivers, according to the BCA survey. 39% of those who took part in the poll said they would cut fuel duty if they were in charge of the government as future predictions are forecasting that the cost of a tank of fuel will cost on average £100 by the year 2015.

While the price of car insurance has been rising at an alarming rate in recent years, the latest figures did signal a fall in the sharp rise in motor insurance premiums which will hopefully signal a levelling off in the price of insurance rates, which will be good news for drivers.

90% of drivers break the speed limit according to car insurance survey

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A recent survey carried out by a car insurance provider has found that a massive 90% of drivers admit to having broken the speed limit while travelling on UK roads.

Only a tiny minority of those drivers polled by Autocar, just 3.5%, said they had never broken the maximum 70mph speed limit while driving on a British motorway, with 94.6% admitting that they knew they had driven over the limit had some point.

Worryingly, 6.1% of drivers who took part in the research admitted that they regularly drive at 90mph on the motorway.

Given the results of this survey into driving speeds, the news that transport secretary, Philip Hammond, is to launch a public consultation on raising the speed limit on motorways and dual carriageways to 80mph is especially timely and shows there is a strong case for raising the maximum speed limit.

The survey also sought to gauge the public reaction to a possible increase in the speed limit, and two fifths of respondents revealed they would like to see the limit raised.

Car insurance experts believe that given the results of the Autocar survey, the transport secretary’s decision to look into raising the speed limit on motorways will be especially popular with drivers. If they government do decide to go ahead with a maximum speed limit of 80mph, it’s not likely to come into force until 2012/13 at the earliest.

Tailgating tops list of most annoying driving habits

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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.

Car insurance survey reveals improvement in driver behaviour

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Driver’s are becoming safer behind the wheel, at least that’s the conclusion which can be drawn following the results of a recent survey conducted by Sainsbury’s Car Insurance which found that fewer drivers are using mobiles while driving and there’re less likely to give into a fit of road rage compared to the findings of last year.

According to the results of the Sainsbury’s Car Insurance poll, there’s been a reduction in the number of drivers choosing to get behind the wheel when tired, with 10% fewer doing so when compared to 2010.

Drivers are also becoming increasingly aware of the dangers of using a mobile while driving with those admitting to using their phone while driving falling by almost 50% compared to last year’s figures. 6% say they have used their phone while driving, but at the same time the number of who have texted while sitting in the driver’s seat has fallen from 6% to 4% this year.

This is especially good news as research has shown that driver reaction times are 50% slower when using a mobile so it is hoped the reduction in the number of drivers using phones while driving will lead to a fall in the number of accidents on UK roads.

Overall driver safety seems to be improving with other encouraging statistics collected from the survey which include an increase in the number of people choosing to wear a seat belt, and also fewer people succumbing to road rage while driving, with 2% admitting to getting irate while driving.

Sainsbury’s to launch car insurance policies

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Sainsbury’s is the latest supermarket names to announce its going into the insurance market putting the business in direct to competition with another leading supermarket, Tesco.

Sainsbury’s will offer insurance products in partnership with RBS Insurance and will provide benefits for their customers as those with nectar cards will receive the equivalent of a 15% discount in the form of nectar points when they purchase an insurance policy through the supermarket. A further perk comes in the form of double nectar card points on all shopping at Sainsbury’s bought in the two years after taking out a policy.

The potential savings for regular Sainsbury’s customers will be welcomed by many motorists as any chance to make savings on car insurance is sorely needed after annual motor insurance premiums rose by an average of 30% of the course of the last year.

Offering reductions in the form of nectar points will hopefully encourage customer loyalty, the supermarket chain says, while at the same time offering Sainsbury customers a highly competitive deal on their insurance policy.

The supermarket chain previously offered insurance underwritten by Esure, however the switch to RBS Insurance is said to reflect Sainsbury’s plans to expand its financial arm of the business.

Most car friendly UK town revealed

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The UK’s most car friendly town has been revealed as St Helens, Merseyside, for the second year on the trot following the results of the annual poll run by Virgin Money Car Insurance.

A number of key factors were considered in order to compile the list which indexes 65 cities and towns across the UK from best to worst according to their ability to provide a pleasant environment for motorists. Factors such as the cost of fuel in a specific town, its levels of car crime and also parking charges were taken into consideration as the list was compiled.

Two Berkshire towns featured in the tail end of the list with Reading being named the least car-friendly town in the country, with Slough coming in equal 61st place out of the 65 strong list. Slough, Cardiff and Manchester were all found to have high levels of car crime, which lead to a poor scoring on the annual poll.

However West Midlands town, West Bromwich, experienced a turn in fortunes as they rose from 34th place in table last year, to second place in 2011, following St Helens as the most car friendly town in the country.

Virgin Money Car Insurance believe that motorists are becoming increasingly wary of driving in urban areas because of the increase in the cost of parking and speeding fines, and also the rising expense of fuel, which is something which is reflected in the findings of the study.

Drivers warned as changes introduced to car insurance

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Drivers in the UK are being warned about changes to car insurance which are due to come into force in spring of this year.

The DVLA and Motor Insurer’s Bureau have been distributing leaflets with information regarding the change to car insurance rules with the V11 renewal tax forms and online at the direct.gov.

The new legislation will make it illegal for any car owner to not have car insurance, unless the car has been registered as off the road with the DVLA.

The new rules have been introduced as part of the government’s plan to clamp down on uninsured drivers. On average it’s been estimated that £30 on the insurance policy of every driver is there to cover the costs of uninsured drivers on UK roads.

The MIB and DVLA have described the new rules as stepping up in the enforcement on uninsured drivers. It is hoped the new guidelines will encourage car owners to keep their vehicles registered with the authorities at all times so they can keep track of who is insured, and who isn’t, making it easier to uncover drivers who are not abiding by the rules.

The authorities are planning to monitor the situation closely following the introduction of the new guidelines to see if this has a positive impact on the number of uninsured drivers on UK roads.

Car insurance provider finds UK drivers failing to run maintenance checks

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Car insurance provider Sainsbury’s has found that 21% of UK motorists are failing to run regular maintenance checks on their cars, which could have a knock on effect on the efficiency of their vehicle as basic problems are not being detected early on.

According to the study, car tyres are one of the most overlooked areas on a car, with a high number of drivers admitting to not checking theirs regularly. The gap between men and women was also obvious, with 26% of female drivers admitting they don’t regularly check their cars, compared to 16% of male drivers.

When it comes to drivers in different regions of the country, those in London and the East of England were found to be the worst culprits at failing to make maintenance checks on their cars, while drivers in the East Midlands, North East of England and Scotland were found to be the most conscientious when it comes to car maintenance.

Young drivers are more likely to take a casual approach to the upkeep of their car, with 29% of those aged between 18-24 years admitting to not checking their cars regularly, compared to 15% of the over 65’s.

Out of those drivers who don’t run regular monthly maintenance checks on their vehicles, the most common reason for not doing so was that the motorists deemed it unnecessary.

However motoring experts advise spending a few minutes every month to take a look over your car so any issues can be nipped in the bud, and not left to deteriorate and cause bigger problems later down the line.

Spy-in-the-car box could bring an end to high insurance rates for young drivers

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Thanks to a new device known as the spy-in-the-box, sky high insurance premiums for responsible younger drivers could become a thing of the past.

Several years ago car insurance provider Aviva trialled the technology, but promptly dropped the scheme as the equipment was too costly. However over the course of the last few years, the devices have become more sophisticated and affordable and so a number of insurance companies are now looking into introducing the technology to help lower the cost of cover for younger drivers.

Drivers under the age of 25 have borne the brunt of the car insurance premium increases as recent figures found that in some circumstances, the cost of cover rose by 50% over the course of the last 6 months for young motorists.

The introduction of spy-in-the-car boxes could put an end to high premiums for careful young drivers. The device, which is the size of approximately two cigarette cartons, is installed in the engine and monitors the driver’s ability.

The device measures average driver speeds, the times of day or night they tend to travel, and their braking and acceleration habits in order to create a picture of what kind of driver they are.

It’s been reported that six UK car insurance companies are currently looking into the possibility of offering spy-in-the-car box car insurance policies.