The view of Swinton, the biggest insurance broker on the high street, is that drivers with six points plus on their licence will soon be the norm, categorised as standard.
With the advent of the speed camera and the often scandalously low speeds at which they are set to trigger, Swinton feel it is not right to automatically penalise drivers because of these points. Bearing in mind the fact that approximately six million drivers have points on their licence, which is over ten percent of the whole population of the country, the approach from the insurer seems a very fair and sensible one.
Swinton are taking the view that the driver with six points on their licence today is as safe as the one who had three points five years ago and no points ten years ago. We just hope other insurers follow suit.
The car is being blamed for most of the pollution of the world, though this is far from reality as far as many are concerned. However Budget Insurance are on hand to help make it all better with their new emissions offsetting car insurance policy.
The insurer claims that one hundred percent of the customers carbon dioxide emissions will be offset for the duration of the policy. How this will work is that a contribution will be made to projects organised by the Carbon Neutral Company, who are overseeing different eco friendly activities across the globe that are helping clean it up.
This initiative from Budget Insurance is seen by some as a practical solution to going green, recognising that the car is a much needed mode of transport in many parts of the UK, but wanting to do something to mitigate its effects on the environment.
A word to the wise comes from Direct Line with a reminder that any modifications made to a vehicle change the risk profile and therefore the insurance premium.
Lots of car owners are making changes to their vehicles now, personalising them with new wheels, sound systems and much more. Drivers are advised by Direct Line to get in touch with their car insurance provider to let them know about these modifications and enable them to recalculate the premium. If this is not done then the vehicle insurance could well be invalid should a claim be made.
A Direct Line spokesperson did say that modifications that improve the safety or security of a vehicle would not usually see premiums increased, though most mods are usually about enhancing the looks or performance of a vehicle and so would incur costs.
