Tag Archives: motor

Government announces whiplash changes

The Ministry of Justice (MOJ) recently published the response to its whiplash claims consultation, which was launched to crack down on the soaring number of whiplash claims in the last decade. This increase in whiplash claims has pushed up insurance premiums for average road users, exacerbated by high numbers of fraudulent or exaggerated claims. Continue reading

Wearable technology and its insurance implications

Even if you’re not familiar with the term ‘wearable technology’, it’s likely you’re familiar with the devices themselves. Wearable technology can be broadly defined as small electronic devices that are in some way worn on the body. These devices are often able to track, collect and store various data, such as the driving, exercise and other behaviours of the people wearing them. Continue reading

New texting while driving regulations

New government regulations expected to come into force this year mean drivers caught texting at the wheel will face much tougher consequences.

With mobile phones being the hub of our daily lives, many – not just the young – can’t get through the day without their device. We will all know someone who just can’t ignore the sound of a text, needing to look immediately and to send a reply. It doesn’t matter what they are doing, even if it’s driving. Continue reading

Common car insurance myths unravelled

After results from a survey carried out by Swinton showed alarming gaps in car insurance policyholders’ knowledge, we at Independent Insurance Services decided to give clarity on common misconceptions around this essential cover:

MYTH: If you have comprehensive car insurance, you’re covered to drive anyone else’s car.
STATS: 33% believed this to be true and 14% didn’t know.
FACT: Depending on your age and driving experience you might be covered to drive someone else’s car, but this is not a given on all comprehensive insurance policies as it’s dependent on these factors. Even if you are covered, it’s only third party, so any damage to the car you’re driving won’t be covered. If you’re going to be driving someone else’s car extensively, it’s best to be put down as a named driver. Some insurance providers will allow you to put someone else on the policy for one day or one journey at no extra cost. Continue reading

Possible changes to whiplash claims

WHIPLASH COMPENSATION CUTS COULD KNOCK £40 OFF CAR INSURANCE PREMIUMS

Over the past decade whiplash claims have risen by 50%, and cost insurers around £1 billion per year. Now millions of motorists could see their car insurance premiums reduced because of government plans to cut compensation for whiplash injuries.

Currently, the average pay-out for a whiplash claim – which is separate from medical bill or loss of earning pay-outs – is £1,850. The Ministry of Justice has suggested that the right to compensation for such claims could be scrapped completely, or capped at a maximum of £425. Continue reading