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Text Content

 * Why Us
 * Our Way
   * No Cost To You
   * FAQs
   * Facts, Features & Benefits
   * What Citizens Advice Say
 * Services
   * Claims Process
   * Replacement Vehicle
   * Facts, Features & Benefits
   * Repair Network
   * Windscreens
   * Recovery services
   * Free Accident Management Warranty
 * Contact

Start a Claim
Call Us: 0333 358 2038
Start a Claim


NON-FAULT CAR ACCIDENT

CALL US NOW !

0333 358 2038
Start a Claim

Great service, dedication & customer experience doesn’t happen by accident 

Keeping our clients driving

Accident Helpline are specialists in accident management and Personal Injury
claims. We proudly represent our clients following an accident ensuring we keep
our clients driving. We are continually innovating and adding to our service
offerings to match the growing needs of our clients and their vehicles. We pride
ourselves on exceptional service, caring for our clients and their vehicles
offering a one call solution in the event of a Non- Fault accident.


ERN-E Says...


GOING TO YOUR CAR INSURANCE PROVIDER AFTER AN ACCIDENT IS CRAZY !!!!

 * A full tank of fuel provided by ACHL (worth £100) for your hire vehicle.
 * Our UK call centre is available 24/7 to promptly assist you whenever you need
   it.
 * A dedicated claim handler throughout your process, who will handle
   interactions with your car insurance.
 * Nationwide dedicated approved repair network, using genuine parts directly
   from the manufacturer.
 * Calls answered in under 90 seconds.

Register For Your Free Policy


Home


WE WORK FOR YOU !


 * Like-for-Like replacement vehicle
 * No impact on your car insurance premiums or No Claims Bonus
 * No car insurance excess to pay
 * Manufacturer approved repair network
 * Dedicated claims handler & live updates throughout claims process

Home


FAQS


I’ve been involved in an accident that wasn’t my fault
We’re sorry to hear this and hope that you and everyone else involved were
unharmed. Our Accident Claim Helpline is open 7:00am to 11:00pm 7 days a week
and outside of these hours we operate an Urgent Out of Hours Service for any
client who requires emergency recovery of their vehicle. Call us on 0333 358
2038 where one of our dedicated claims specialists will be on hand to take
details of the incident, explain to you what happens next and provide you with
any assistance you need and book any services that you may require
My Vehicle is stranded at the roadside and needs recovery
We’ll arrange recovery of your vehicle for you and will take you and any
passengers to your onward destination or home, whichever is nearer. Our average
recovery time is 90 minutes from instruction.
Will the repair be under Guarantee ?
All repairs undertaken by our network repairers are guaranteed for as long as
you own the vehicle.
Do I need to contact my car insurance provider or the Third-party insurer ?
You only need to make one call to us 0333 358 2038 We will take care of the
whole claims process on your behalf. We will liaise with all the relevant
parties involved in the accident and handle all services on your behalf.
Do I have to pay my car insurance excess if I am the at Fault party?
If you have been in an accident that was your fault, you will have to pay your
excess. We however will still manage the repair process in one of our network
repairers on your behalf, liaise with your car insurance provider to agree
repair costs and repair your vehicle. On collection of your vehicle you will
have to pay your excess. Dealing with your car insurance provider your Excess is
paid before services.
are offered.
I have a question that I can’t find the answer to
Contact us 0333 358 2038 or start a claim and our dedicated claims specialists
will be immediately on hand to assist.

I’ve been in accident that was my fault
Call us now on 0333 358 2038 and one of our dedicated claims specialists will
run through the details with you over the phone and go through your options. If
we believe you are at fault, we can either handle the claim for you in our
dedicated repair network and manage the claims process on your behalf or
transfer you directly through to your insurance company so they can assist you
further.
My Vehicle is damaged after my accident and need to be repaired
We will arrange for an independent engineer to inspect the vehicle and address
the damage. The engineer following their assessment will provide a full detailed
estimate costing for the repair of your
vehicle. We will then instruct one of our network repairers to carry out the
work on your behalf. All our Repairers are Minimum BSI125 and carry a whole host
of Manufacturer approvals to ensure the correct repair methods are carried out
to put your vehicle back in the condition it was prior to your accident.
My Vehicle has been written off,what happens now ?
If on inspection your vehicle is deemed a total loss and uneconomical to repair,
we will use the engineer’s valuation and three independent guides, Glasses, Caps
& Cazoo to agree a settlement with the car insurance provider. If you are
Non-Fault you will be kept in Hire until the PAV has been agreed with the TPI
and once you have received your payment you have the Hire vehicle for a further
7 days to allow you time to purchase a replacement.
Do I have to pay my car insurance excess if im not at fault ?
If you have been in an accident that wasn’t your fault you will not be charged
any car insurance excess, nor do we charge for our services. We will seek to
recover all cost from the third parties involved.
I need a replacement vehicle following my Accident while my Vehicle is repaired.
We have a mixture of Vehicles available, whether it is from our own fleet or the
fleets of our dedicated
partner firms we have something for all Vehicle types. Whether it’s a Mainstream
Vehicle, Commercial,
Specialist, Motorbike, 4X4, Electric or Prestige your dedicated claims handler
will arrange your like for
like vehicle for you ensuring it is of the same size and specification to meet
your needs.
What if I was injured because of my Accident?
Your Experienced claims handler will be able to introduce you to one of our
dedicated Personal
Injury law firms to discuss your claim. They will arrange any Physiotherapy and
Rehabilitation you
may need on your behalf local to you. They will also seek compensation for your
injuries caused as a
direct result of the accident. This will be done on what is commonly known as a
“NO WIN NO FEE”
agreement. The law firm will take between 25 and 30% of any award made to you in
compensation as a
success fee. The success fee will vary depending on the accident type and its
severity. This will be
discussed with your directly before the claim is taken on. All our law firms
have many years’
experience in the Personal Injury sector and we will work closely with them to
ensure you get the
best service possible and the maximum amount of compensation for the injuries
you suffered. Call
us now if you want to discuss your claim 0333 358 2038 or alternatively start a
claim and one of our experienced claims handlers will be happy to help.
 * Experienced claims handling team that form part of a Law Firm offering the
   best independent advice following your Road Traffic Accident
 * Dedicated UK based Claims Handlers throughout the lifecycle of your claim
 * No impact on your car insurance premiums or No Claims Bonus
 * Recovery of your Vehicle in an average of 90 Minutes from instructing us
 * Like for Like replacement Vehicle immediately following your road traffic
   accident
 * No car insurance excess to pay
 * Nothing to pay us
 * Personal injury claims handled by our Expert panel law firms
 * Private Rehab & Physio provided to ensure your recovery is managed correctly
 * Any Additional losses suffered following your road traffic accident will be
   recovered on your behalf directly from the Third Party Insurer




LATEST NEWS

Best car insurance companies in the UK 2024

We surveyed over 2,793 car insurance customers to discover the best car
insurance companies and policies in the UK.


HOW TO CHOOSE THE BEST CAR INSURANCE PROVIDER

With car insurance premiums higher than last year, it’s never been more
important to get the best car insurance deal available.

To identify the top providers, we surveyed more than 2,700 customers who have
recently made insurance claims to gauge how they’ve been treated by their
providers. Our experts also analysed individual policies.

We found huge differences between the best and worst cover.

 * Want the best car insurance policy or insurer? Use our tables below, then go
   to confused.com
 * , another comparison site or direct to the insurer.
 * Want the cheapest car insurance policy or insurer? Follow the links
   to confused.com

 * , or another comparison site, to get a list of policies. Then check what the
   policies scored by searching our tables.

Please note that the information in this article is for information purposes
only and does not constitute advice. Please refer to the particular terms and
conditions of an insurer before committing to any financial products.


BEST UK CAR INSURANCE COMPANIES: THE WHICH? RECOMMENDED PROVIDERS

We compared 28 car insurance providers – examining the cover in their policies
and analysing feedback from their customers. See our results in the tables
below.

Just two offered sufficient levels of cover and the high standards of service
needed to earn our Which? Recommended Provider (WRP) award.


NFU MUTUAL CAR INSURANCE

 * 76% policy score on its standard car insurance policy, 4th out of 61 policies
   we rated
 * 81% customer score, 1st of 27 insurers we had customer scores for
 * 84% claims score, 1st out of 25 insurers we had claims scores for

We like: NFU Mutual doesn’t charge admin fees or interest if you want to pay
monthly, and motor legal protection is included as standard. NFU Mutual has been
a Which? Recommended Provider since we launched our scheme more than a decade
ago.

We don’t like: You have to call to get a quote, and it favours customers in
rural areas so NFU Mutual may not offer cover if you live in a major city.

 * Read our expert review of NFU Mutual car insurance


LV CAR INSURANCE

 * 78% policy score on its standard car insurance policy, 3rd out of the 61
   policies we rated
 * 70% customer score, 2nd out of the 25 insurers we had customer scores for
 * 74% customer score, 2nd out of 25 insurers we had claims scores for

We like: LV is one of a minority guaranteeing repairs for a vehicle’s life, and
its policy is one of about a third offering a temporary replacement car if yours
is stolen. It also offers protection for no-claims discounts against an
unlimited number of claims.

We don’t like: A replacement car after an accident doesn’t come as standard – it
must be bought for an additional premium. However, you might not need a
replacement car.

Get a quote for LV car insurance using the service provided by Confused.com


BEST UK CAR INSURANCE COMPANIES AND POLICIES COMPARED

The first list compares insurers we rated for both policy and customer
experience. It’s ordered by customer score, and we’ve labelled the 2 Which?
Recommended Providers.

The second list compares policies – we’ve labelled the policies that are Best
Buys and the ones from Which? Recommended Providers.


WHY IS CAR INSURANCE SO EXPENSIVE?

The average private motor insurance premium is £612 (July – September),
according to the latest figures from the Association of British Insurers (ABI).

That’s slightly down (-2%) on the average premium from April to June.

However, while premiums appear to be falling now, customers renewing between
July and September will still have paid £50 (9%) more, on average, than they did
last year.

Drivers have endured sustained increases in premiums from late 2021 to early
2024. The ABI attributes this rise to inflationary pressures, higher vehicle
repair costs and theft and replacement vehicle prices all rising. ABI data shows
insurers paid out £2.9bn in motor insurance claims between July and September
2024, up 14% on the £2.5bn paid during the same quarter last year.


ARE THE BEST CAR INSURANCE PROVIDERS ALWAYS THE MOST EXPENSIVE?

Our research reveals substantial differences between companies and policies in
their standards of service and levels of cover. However, this doesn’t
necessarily mean you’ll have to pay through the nose for worthwhile cover – or
that a steep price means you’re getting the best.

Insurers set you an individual price to reflect how they see your risk. If one
insurer views you as risky or just doesn’t want to compete for your custom, then
even its lowest offers are likely to be pricier than policies from other
providers, which could also provide much better cover.

This article was originally published at
https://www.which.co.uk/money/insurance/car-insurance/car-insurance/best-and-worst-car-insurance-a3PuA5f3sB6q



Admiral and Direct Line shares sink as Labour takes aim at ‘spiralling’ car
insurance costs

Shares in insurance heavyweights Admiral and Direct Line slumped on Wednesday
after the government unveiled a new taskforce to tackle the “spiralling” cost of
motor insurance.

The Department for Transport said the taskforce – comprising regulators,
motoring groups, insurers and consumer groups – aimed to stabilise or reduce
motor insurance premiums while maintaining appropriate levels of cover.

Admiral was the worst-performing stock in Britain’s blue-chip FTSE 100 index on
Wednesday morning, falling as much as 4.2 per cent. The firm is one of the UK’s
biggest motor insurers, providing cover for 5.5m vehicles.

Direct Line was among the biggest fallers in the mid-cap FTSE 250, dropping as
much as 3.6 per cent.

“Car insurance is an essential, not a luxury. It is vital to accessing economic
opportunities and this government is committed to getting costs under control,”
said transport secretary Louise Haigh.

“That’s why we’re taking direct action to bring insurance companies and
regulators round the table to discuss how we can crack down on spiralling costs.
The rising cost of cover affects all drivers, but some groups have been hit
harder than others.”

Haigh added that the move was aimed at “rooting out the factors driving up costs
for industry and ensuring drivers are able to hit the road”.

Analysis by the Financial Conduct Authority (FCA) found UK motor insurance
premiums have grown by an average of 21 per cent since June 2022, well above
comparable economies like Germany, France, Spain and Italy.

Britain’s insurance industry has blamed external factors like inflation, energy
prices and the rising cost of repairs for the hikes.

Within the taskforce, the FCA is set to analyse the impact of rising insurance
prices on different customer groups, like younger and older drivers, as well as
those from ethnic minority backgrounds or on lower incomes.

The government also named participants including trade body the Association of
British Insurers, consumer groups Citizens Advice and Which?, and price
comparison website Compare the Market.

This article was originally published at
https://www.cityam.com/admiral-and-direct-line-shares-sink-as-labour-takes-aim-at-spiralling-car-insurance-costs/

Direct Line to axe about 550 jobs as part of £50m cost-cutting drive

Company to shed about 6% of its workforce of 9,000 as it loses car insurance
customers.

Direct Line is to axe about 550 jobs as part of a cost-cutting drive at the
insurance company.

The Kent-based company said that it was consulting on the jobs, which would
represent about 6% of its total 9,000-person workforce, as part of drive to save
£50m next year.

It would not give details on the roles that would go but said some would include
vacancies not being filled.



The plans were revealed in an trading update on Monday, in which the company
said the job losses would be part of its drive to create a “leaner and more
efficient operating model”.

Direct Line had 3.05 million policyholders with its own-brand car insurance at
the end of September, down by nearly 400,000 or 11% compared with the same point
last year.

Its own brand home insurance increased by nearly 70,000 policyholders compared
with last year.

Adam Winslow, the chief executive, said motor trading conditions had been
challenging but the company was winning back customers, particularly through
price comparison websites.

Winslow added: “We are in the early stages of a significant turnaround and our
third-quarter trading is not yet fully reflective of the actions we have taken.”

Winslow joined as chief executive in March from rival Aviva, replacing former
boss Penny James, who left the company last year after it posted pre-tax losses
of £45m, blaming the hit on soaring inflation, extreme weather and market
volatility.

Direct Line said Winslow would focus on “refreshing the strategy and operational
focus of the group with the clear objective of returning to a sustainable level
of operating profit over time”. Winslow has attempted to revamp the company by
cutting costs and increasing the price of insurance.

The average premium for a customer renewing a Direct Line policy is £505, up
from the £480 listed last year. However, the cost for a customer buying a new
policy has fallen from £588 in September last year, to £557 for the same point
this year.

In March, the company was forced to fend off a £3.1bn takeover bid from its
Belgian rival Ageas, saying the offer was “highly opportunistic” and
“significantly undervalued” the company.

Winslow said: “We believe the steps we are taking will position the company for
enhanced profitability and growth.”

Shares in Direct Line initially rose on Monday on the news of the cost-cutting
plan but were later down 0.3%.

This article was originally published at
https://www.theguardian.com/business/2024/nov/11/direct-line-cut-jobs-car-insurance-customers

UK Car Insurance Statistics 2024 – Forbes Advisor UK

A car insurance policy offers financial protection against the risks to which a
driver is exposed, namely being involved in an accident with another vehicle,
damaging another persons property, accidentally damaging his or her own vehicle,
and being the victim of theft.

Policies cover medical costs and other financial liabilities, including to third
parties, and can provide redress for financial losses and expenses.

Car insurance is a legal requirement for all car owners unless they register
their vehicle as off road by applying for a Statutory Off Road Notification
(SORN) from the Driver and Vehicle Licensing Agency (DVLA).

There are two main forms of cover available – one for personal vehicles, and
another for business and commercial vehicles.


HOW MUCH IS THE UK MOTOR INSURANCE MARKET WORTH?

The motor vehicle insurance industry is currently valued at 21.9 billion,
according to the latest data from analyst IBISWorld.

Despite the size of the market, most insurers make a loss on their motor
insurance underwriting operations. Instead, they make profit in other areas by
offering their policyholders additional services such as home, travel or pet
cover, says trade organisation, the Association of British Insurers (ABI).

Insurers can also boost the revenue they make from motor cover by offering their
policyholders add-ons such as cover for car breakdown and legal expenses.


MAJOR PLAYERS IN THE UK CAR INSURANCE INDUSTRY

A total of 195 providers made up the motor insurance industry as of September
2022, according to analyst Statista.

Provider 2021 2022 2023 Admiral Group (Admiral, Bell, Diamond, elephant.co.uk,
Gladiator) 15.70% 14% 11.28% Aviva (Aviva, Quotemehappy, One Call) 10.80% 11%
10.56% Direct Line Group (Direct Line, Churchill and Darwin) 11.60% 11% 10.22%
Hastings 7.50% 7% 6.85% LV= 8.70% 6% 6.61% RSA 3.20% 4% 6.52% AXA 12.60% 6%
6.26% NFU
Mutual 4.30% 4% 4.17% esure (Sheila’s Wheels, esure) 5.30% 4% 3.87% Ageas 4.80%
4% 3.74%

The following table shows how the market shares of each of the top 10 providers
changed between 2021 and 2023. These 10 groups accounted for roughly 70% of the
market.


WHAT TYPES OF CAR INSURANCE ARE THERE?

There are three main types of car insurance policy:

Third party: the minimum legal requirement, it provides the least amount of
protection. It covers costs resulting from the policyholder being responsible
for injuring someone else or damaging anothers vehicle

Third party fire and theft: in addition to providing third party protection, it
covers the policyholders vehicle in the event it is damaged, stolen or destroyed
in a fire

Comprehensive: the highest level of cover, it offers third party and fire and
theft protection as well as cover for medical expenses, accidental damage to and
the damage or theft of property from the drivers own vehicle.


HOW MUCH IS CLAIMED ON CAR INSURANCE POLICIES?

Association of British Insurers data shows that in 2023 insurers paid out 9.9 bn
in motor insurance claims. This was the highest annual figure since it began
collecting this data in 2013.

The figure was up 18% on the 8.4 billion paid in 2022. The overall number of
claims settled, at 2.3 million, also rose 10% on 2022.

The cost of vehicle repairs at 6.1bn, increased by 31% from the 4.7bn paid in
2022. The ABI says this reflected continued rising costs, with some insurers
reporting further increases of 16% for materials, and 15% for labour. Some
garages, meanwhile, faced a 300% rise in their energy costs during 2023.

Payouts for vehicle theft (of and from a vehicle), and the average theft claim
were both at record levels in 2023. Insurers paid out 669 million 23% higher
than the 543 million paid out in 2022. This, and the average theft of a vehicle
claim of 12,600, were both the highest on record.

The cost of providing courtesy cars to drivers whose vehicles were off the road
following a claim stood at 597 million, which was 35% higher than in 2022. This
represented another annual record since this data has been collected.

Personal injury claims cost insurers 2.4 billion meanwhile, down 8% on the
previous years figure of 2.6 billion.

The ABI claims that when adjusted for inflation, the average cost of a car
insurance claim has outpaced average premium increases since 2014.

ABI data shows the average total cost of a settled car claim increased by 23%
from 3,500 in 2014 to 4,300 in 2023. Over the same period, the average premium
rose by 8%, from 505 to 543.1


WHAT ARE THE DIFFERENT TYPES OF CAR INSURANCE CLAIMS?

There are various types of claim, including:

At-fault: the policyholder is to blame or the insurer cannot track the other
driver which means fault is automatically placed on the policyholder

Non-fault: someone else is at fault and the insurer can track them. The insurer
will pay out but then recover the sum from the insurer of the liable party

Partial-fault: the policyholder and someone else are both to blame. The insurers
for both parties pay out and recover the relevant costs from the other insurer

Theft: the policyholders car is stolen and the insurer pays out the market value
of the car.


WHAT IS THE AVERAGE COST OF CAR INSURANCE?

There are various estimates for the average cost of car insurance in the UK from
a range of sources, including the government, insurance companies and brokers,
and other organisations.

The figures can vary widely according to the data sets being used.

According to Pearson Ham Group, motor insurance premiums fell by 4.4% in the
third quarter (July-September) of 2024, compared to the previous quarter
(April-June).

According to the ABI, which represents 90% of UK insurers, the average annual
private car insurance premium was 612 in Q3 2024, down 2% on the 622 of the
previous quarter.

This drop follows a 1% increase to premiums in the first quarter of 2024.

Multiple factors influence how a drivers car insurance premium is calculated.
These include the type of car and their driving history, age, occupation and
address.

Newer and more expensive cars typically cost more to insure. All cars sold in
the UK are allocated into 50 groups by the Group Rating Panel, which includes
members of the ABI and Lloyds Market Association. The groups are based on
factors such as the price of a car when new, repair costs, performance and
safety features.

All things being equal, the higher the group, the more expensive the insurance.

When assessing a car owners driving history, insurers will consider factors such
as any accidents a driver has been involved in, the claims they have made and
whether they have been previously declined for car insurance. They will also
consider the amount of time they have held a driving licence.

Younger drivers are seen as more of a risk due to their inexperience behind the
wheel and are therefore charged more in premiums. Once drivers reach 75 and
above, they are also seen as higher-risk as they are more likely to be involved
in crashes that could be fatal, due to their potential medical fragility.

According to the latest information from the ABI (2021), drivers aged between 66
and 70 pay the lowest annual premiums of 261.

While insurers are not legally allowed to calculate a policyholders premiums
based on gender, women tend to pay less for their policies than men. This is
because they typically receive fewer convictions for poor driving, have fewer
penalty points added to their licence and are involved in fewer major road
accidents.

Admirals April pricing figures show its female policyholders pay 17% less in
annual premiums on average compared to male (724.65 compared to 871.54).

These prices are significantly higher than the ones we mention earlier from the
ABI, illustrating how difficult it can be to nail down a universally agreed
average for the cost of car insurance.

A policyholders occupation also has a role to play in how much they are charged
for their policy. Hospitality staff, social workers, traders and sales
assistants often pay more than other workers for a policy usually around 474,
according to vehicle leasing firm, Vanarama. This compares to around 410, for
those with the title branch manager, who are charged the least.

Paying, on average, a few pennies more are the likes of product managers, police
officers and architects. Generally, drivers who are in roles which require
minimal use of a personal car, and where they can park their vehicle somewhere
secure, pay less.

Car insurance prices also vary according to location. Insurers will assess the
traffic where a driver lives, how densely populated the area is, how often motor
accidents and thefts are reported and the types of drivers seeking insurance
based on factors previously mentioned.

The latest data collected by Forbes Advisors car insurance partner,
quotezone.co.uk, reveals that drivers in London are charged the most in premiums
– 781 annually on average. Drivers in more rural parts of the UK, such as Devon
and Cornwall are charged an average amount of 423 a year.

The table below shows what drivers can expect to pay depending on where they
live in the UK.

Location Average annual cost of car insurance London £781.01 North West £634.36
West
Midlands £630.42 Yorkshire £592.27 North East £545.29 East
Midlands £538.93 South East £498.25 Wales £493.30 Northern
Ireland £492.39 East
Anglia £489.62 Scotland £463.53 South West £422.88 Source: quotezone.co.uk


HOW HAS THE COST OF CAR INSURANCE CHANGED OVER TIME?

The average annual car insurance premium fell to 429 annually by the third
quarter of 2021, according to the Association of British Insurers. This was due
to insurers passing on cost savings where they settled fewer claims during
national lockdowns. Also, fewer young drivers were on the road during this
period, due to lockdown driving test restrictions.

In the fourth quarter of 2021 premiums rose to an average 434 as insurers passed
increasingly higher costs for repairs on to policyholders. They fell in the
first three months of 2022 to 416 after the industry regulator, the Financial
Conduct Authority (FCA) introduced new regulations, which banned car insurers
from charging renewing customers more than new customers.

By the second quarter of 2022, costs rose again as road traffic started to
return to pre-lockdown levels. By the first quarter of this year they had
reached an average of 478 a year, and by the third quarter they stood at a
record level of 561.

Average prices rose 12% to 627 in the final three months of 2023, compared to
the previous three months (562).

This is 34% higher than the increase over the same two quarters in 2023. And,
when looking at annual averages, motor premiums were 25% more expensive in 2023
than in 2022 (543 versus 434).

But the ongoing rise in prices appeared to cool in Q2 of 2024, increasing by
only 2% to 622.


CAR INSURANCE COSTS ARE GETTING HARDER TO MANAGE

According to a study by Forbes Advisor, the financial burden faced by motorists
is increasing, as car insurance premiums continue to rise.

The survey of 2,000 British adults found that more than half of British drivers
(55%) believe their car insurance is excessively expensive. This sentiment is
even more pronounced among younger drivers, with two out of three individuals
aged 18 to 34 (67%) sharing the same view.

Despite the high cost of car insurance, the research found that nine in ten
Brits (90%) have comprehensive policies, the most expensive cover available.

Almost half (47%) of drivers switched car insurance providers in the past year,
with the most common reason for doing so being to save money (38%).

To afford their annual premiums, nearly one-fifth (18%) of Brits have dipped
into their savings. Additional financing methods included utilising
interest-free credit cards, by more than one in 20 Brits (6%), as well as loans
from friends or family (5%).

Kevin Pratt, car insurance expert at Forbes Advisor, says: “Car insurance is a
necessity for many individuals and families, and the escalating costs are
placing an increasing strain on households already struggling to make ends meet.
While saving money is important, it’s crucial not to compromise on the cover you
need.

Striking a balance between cost savings and adequate protection ensures you’re
financially secure in case of an accident. It’s worthwhile exploring different
options, comparing quotes, and making informed decisions that prioritise both
savings and quality cover.”

Key Statistics

More than half of British drivers (55%) believe their car insurance is
excessively expensive

Almost half (47%) of motorists have switched providers in the last 12 months

Saving money has been the main motivation behind switching insurers in the last
12 months (38%)

Nearly one-fifth (18%) of drivers have dipped into their savings in the last 12
months to afford their annual premiums.

Compare Car Insurance Quotes

Choose from a range of policy options for affordable cover, that suits you and
your car.

Get Quotes


WHAT ABOUT CAR INSURANCE FOR EVS?

EVs are continuing to grow in popularity, as the governments deadline of 2030 to
ban the sale of new internal combustion engine (ICE) vehicles nears. In fact,
electric and hybrid car registrations accounted for 16.5% of total car
registrations in the UK in 2023, according to the Society of Motor Manufacturers
and Traders.

This surpassed the number of registrations for diesel cars to become the second
most popular car type, after petrol, for the first time.

EV drivers can typically expect to pay more in car insurance premiums as EV
models are usually newer, and their parts are not as readily available. However,
it is thought that, in the future, autonomous or driverless cars could attract a
lower premium, as they could reduce the risk of accidents caused by human error.
An estimated 90% of all traffic accidents are caused by human error, says
insurer, Allianz.

The types of car insurance policies available to ICE drivers are the same for
drivers of EVs, but insurers may include EV-specific cover such as for the
damage or theft of a charger, or the cars battery.

Despite the potential high insurance costs, electric vehicles can be cheaper to
run overall. Studies show that the typical annual running cost averages 1,742
per year (33.50 per week) for an electric car, according to energy firm Octopus.

This is 21% less than the running costs of a comparable petrol vehicle, which
averages 2,205 per year (42.40 per week). Over 12 months, an electric car can
therefore save a driver an average of 463 in running costs.

ICE and EV drivers can run quotes using an online comparison tool in the normal
way to find a suitable deal for a competitive price.


DO UK DRIVERS HAVE BREAKDOWN COVER?

According to a 2024 Forbes Advisor poll of 143 respondents, only around a third
(32%) of drivers had breakdown cover in place.


SOURCES

https://www.ibisworld.com/united-kingdom/market-research-reports/motor-vehicle-insurance-industry/

https://www.abi.org.uk/products-and-issues/choosing-the-right-insurance/motor-insurance/insurance-pricing-faqs/

https://www.fca.org.uk/publication/market-studies/ms18-1-2-annex-2.pdf

https://www.statista.com/statistics/827280/number-of-insurance-companies-united-kingdom-by-sector/

https://www.statista.com/statistics/1171459/market-share-of-companies-for-motor-vehicle-insurances-in-united-kingdom/

https://www.abi.org.uk/news/news-articles/2023/5/above-inflation-costs-for-insurers-continue-to-put-pressure-on-motor-insurance-premiums/

https://www.abi.org.uk/news/news-articles/2023/2/rising-cost-pressures-push-up-the-price-of-motor-insurance/

https://www.abi.org.uk/products-and-issues/choosing-the-right-insurance/motor-insurance/age-and-motor-insurance/

https://www.admiral.com/car-insurance/car-insurance-pricing-index

https://www.vanarama.com/blog/cars/how-much-job-title-impacts-car-insurance-2023

https://www.quotezone.co.uk/car-insurance

https://www.abi.org.uk/news/news-articles/2021/04/record-quarterly-fall-in-the-cost-of-motor-insurance-according-to-the-abi/

https://www.abi.org.uk/news/news-articles/2021/08/in-reverse-the-cost-of-motor-insurance-falls-to-a-five-year-low-according-to-the-abi/

https://www.abi.org.uk/news/news-articles/2021/11/downhill-drive-continues-with-the-average-cost-of-motor-insurance-down-7-over-the-last-year/

https://www.abi.org.uk/news/news-articles/2022/02/2021-motor-premium-tracker/

https://www.abi.org.uk/news/news-articles/2022/05/average-cost-of-motor-insurance-has-fallen-by-5-percent-so-far-this-year/

https://www.abi.org.uk/news/news-articles/2022/08/higher-costs-for-insurers-put-the-squeeze-on-the-price-of-motor-insurance/

https://www.abi.org.uk/news/news-articles/2022/12/sustained-cost-pressures-for-motor-insurers-biting-but-motor-insurance-remains-competitive/

https://octopusev.com/ev-hub/how-much-does-an-electric-car-cost

This article was originally published at
https://www.forbes.com/uk/advisor/car-insurance/car-insurance-statistics/

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