Friday, 30 December 2011

Young Drivers Urged to Leave The Car At Home on New Year’s Eve

With New Year’s Eve rapidly approaching young drivers are encouraged to avoid driving around this time – even if they’re not drinking. Does that sound strange? It shouldn’t – did you know that many people, in spite of warnings of the dangers of drink driving, believe themselves competent to take to the road. Unfortunately this puts a lot of people at risk – both pedestrians and other motorists.

By not driving the young driver is helping to reduce the risk of being involved in an accident, especially with other drivers who may have drank too much.

We could skirt around this issue but let’s face it - apart from the risk of being involved in a car accident there is also the risk to the young driver’s car insurance and no claims bonus (NCB).

If you’re a young driver then the question to ask yourself is – “can I really afford to risk my car, my young driver insurance, my NCB as well as my life and potentially anyone in the car with me?”

Part of being a good driver is recognising when and when not to drive – New Year’s Eve is probably one of those nights you should avoid it… go out and have fun with your mates instead!

Have a Happy and Safe New Year!

Wednesday, 28 December 2011

Fronting – A Risk Not Worth Taking

When looking for car insurance, whether it's the young driver or their parent, it can be difficult finding a young drivers’ insurance policy that is both affordable and comprehensive.

Unfortunately this leads to many parents putting themselves down as the main driver of the car, however, it is primarily driven by the young driver, as a way of reducing car insurance costs.

Whilst this might seem like a good idea at the time - in car insurance terms this is known as "fronting". A fraudulent, illegal activity and one your parent could be prosecuted for, leaving you, the driver without cover.

In many cases when a road accident occurs the car insurance firm will determine that the cover applied for was intended for the young driver and not the parent. As a result the accident claim will be denied.

The risks associated with lying on your young driver insurance application form are simply too high. Instead of going down this route it's worth looking to telematics car insurance schemes, such as iKube to help keep the cost of your young driver insurance low. Don't be tempted by lying on your insurance application - it's just not worth it.

Top Five Benefits Of iKube’s Telematics Car Insurance

iKube's telematics car insurance, otherwise known as black box insurance, has a number of advantages over a standard car insurance policy, such as:

1. Keeping young drivers off the road late at night. Am I sounding like your Dad? Wait! Did you know that, statistically, young drivers are more likely to have a fatal road accident between 11pm and 5am?

By keeping your drivers off the road at this time can help to significantly reduce that risk and, as a result, young drivers benefit from lower cost car insurance.

2. Those iKube insurance policy holders who build-up a history of data to prove they are good drivers could be entitled to a significant discount - up to 40% in some cases, when it comes to renewing their young driver insurance policy.

3. The iKube black box can effectively track car movement so - if the car is stolen, iKube could actually help to recover your vehicle. Pretty cool.

4. Access to an online portal so that you can check your driving style and even work-out when you are driving at your safest and most economical. This is especially important if you are looking to reduce fuel consumption - and costs as a consequence.

5. The iKube black box could help you with a car insurance claim - protecting you from the cost associated with dishonest claimants.

Since the data is actually collected and stored it can give the insurance firm  more information to investigate the claim further.

As you can see – iKube telematics car insurance for young drivers goes so much further than a standard young drivers insurance policy normally would.

Cover Your Gadgets With iKube

Did you know that iKube isn't just a telematics car insurance company?

iKube can now offer highly competitive cover for gadget insurance, along with key protection and excess waiver cover.

iKube's gadget insurance is ideal cover for any of those new gadgets you get over Christmas or for Birthdays. Whether you want to protect your brand, sparkly new tablet computer, your eReader or your new iPhone - iKube's gadget protection can cover it.

Let's face it - Christmas and Birthdays tend to bring with them pretty fancy, expensive gifts, especially if you're into your gadgets. Here at iKube we appreciate that it can be pretty expensive if you were to damage a gadget or have it stolen, which is why we are proud to introduce you to our competitively priced gadget insurance.

With ikube's gadget insurance you can cover 3 gadgets from just 27 pence per day! That works out at just £99 cover for 3 gadgets per year.

So, should the unthinkable happen and you lose, damage or have your gadget(s) stolen you don't need to worry about the cost of replacing them - because you're covered with iKube gadget protection.

Interested? Check out our gadget insurance and find out more.

Is Curfew car insurance more restrictive than pay-as-you-drive?

So What’s The Big Deal With Pay-As-You-Go Car Insurance?

We've recently been hearing a lot of noise around pay-as-you-go young drivers insurance, however, just think about it for a minute - you actually have to pay extra if you want to drive more than your allocated 6,000 or so miles.

For some young drivers this might appear appealing but let's put this into perspective for a minute.
From the outset pay-as-you-go car insurance appears relatively cheap... but that adds up over time, especially if you're working a job that requires you to drive a bit more. So what starts out at around £2,000 for a young drivers car insurance policy could turn out to be around £4,000 at the end of the year after you've spent out more money just to get more miles... just something to think about.

The next obvious telematics car insurance policy you could consider is what's known as "curfew car insurance."

However, calling it curfew insurance is probably quite misleading. The like of iKube, for instance, doesn’t think of itself as "curfew car insurance" - it prefers to think of itself as "safer driving insurance."

Unlike pay-as-you-go car insurance, iKube does not charge you by the mile and like any car insurance you can earn your own no claims bonus (NCB) as well as get breakdown cover into the package.* Sounding pretty good eh?

The only thing iKube really asks is that the young driver does not drive during the "red hours" - the time between 11pm at night to 5am in the morning. Is that such a big thing? Just think about it for a minute - if you're going out on the razz with a couple of mates you're hardly going to be driving are you?

Besides - iKube doesn't tell you you can't go out driving during the red hours - it simply asks that you don't. iKube wants to keep you safe - simple as that.

*Breakdown is a compulsory policy - charge of £30 applies.

Friday, 23 December 2011

Happy Christmas From iKube

A little Christmas cheer! Seasons Greetings from the iKube Team!

From all of us here at iKube we wish you all a very Merry Christmas and a Happy, joyful New Year!

Have fun this holiday - but remember, stay safe if you're taking to the roads over Christmas!

Please note that iKube offices will be closed from 12pm on Christmas Eve and New Years Eve. iKube offices will also be closed on Monday 26th and Tuesday 27th December.

Wednesday, 21 December 2011

Could A Telematics Black Box Device Reduce Speeding Offences?

It's an interesting question isn't it? Could a black box device stop young drivers from speeding and unsafe driving in general?

There does appear to be a trend at the moment for a lot of telematics car insurance companies to promote their black box insurance cover as a means to stop unsafe driving... and with good reason.

The black box that's installed under the dashboard of the car is setup to record data so that when the motorist engages in unsafe driving behaviour, such as speeding, braking too quickly and harsh acceleration the data is recorded on the device.

This data is used by telematics car insurance firms, such as iKube, to ascertain the risk of providing car insurance to the individual. Whilst iKube won't just automatically increase the premium based on this, like some providers, iKube may choose to increase the premium when the driver comes to renew their policy.

However, if the driver is thought to be safe and careful, as determined by the data provided, then they could be due substantial discounts at renewal (up to 40% in some cases).

By being aware that the black box unit is keeping a log of driving data a young driver is more inclined to drive safely, especially if they want further insurance discounts at renewal.

It's also important to note that when a young driver takes out a black box insurance policy with the likes of iKube they are able to monitor and review their driving online. A lot of the time many motorists simply aren't aware that they are driving unsafely, however, by checking their driving online they can review their style of driving and improve it if necessary.

Tuesday, 20 December 2011

Learner Drivers On The Motorway In 2012

Ground-breaking changes to allow provisional drivers on the motorway, accompanied by a driving instructor, are to come into force in 2012.

The Under-Secretary of State for Transport, Mike Penning, has announced that it will be possible for provisional drivers to undergo some training on the motorway with a driving instructor.* This came following a growing concern at the number of young drivers who are killed or seriously injured whilst on the motorways around the UK.

Whilst this will open up opportunities for many young drivers around the UK to get some practice in before being faced with driving solo on a motorway Mr Penning has stressed that it will not be made compulsory. This is because there are learner drivers in remoter parts of the UK who may not live within a reasonable distance of a motorway to practice on.

It is important to note that learner drivers will only be able to practice on a motorway when accompanied by a qualified driving instructor. Even if the learner had adequate provisional insurance and were accompanied by a parent they would not be allowed to learn on a motorway.

However, that does not mean that provisional insurance holders should not practice with a qualified parent around the smaller roads around Britain.

Motoring and safety groups around the UK have welcomed this move by the Government, with Andrew Howard, The AA's head of road safety commenting:

“This is good news. It will end the ludicrous situation where people can live near a network of motorways and pass their test without ever having been on one.“

Following on from this Mr Penning has also announced plans to prevent trainee driving instructors from giving tuition without a fully qualified instructor supervising them.

It is believed that this will improve consumer confidence as well as reduce the number of trainee instructors who never get fully qualified but continue to teach regardless.

Mr Penning commented:

“I am going to stop people who are not qualified doing this. Some of these guys never get qualified.”

*Source: http://www.telegraph.co.uk/motoring/news/8941211/Learner-drivers-to-be-allowed-on-motorways.html

Young Drivers Urged Not To Drink And Drive

With the lead up to Christmas young drivers are being cautioned on the dangers of drink driving as the inevitable television and billboard advertising comes into force.

We've all seen the adverts and it can be pretty easy just to switch them off, ignore them or simply say "that will never happen to me". Unfortunately, even with the best intentions, some people end up getting behind the wheel after a few alcoholic drinks at Christmas.

It's important to make an effort at Christmas not to get in the car and drive if you've been drinking - even if you've only had a few. The Institute of Alcohol Studies identified that:

• Alcohol can actually slow down your reaction time by 10 - 30%.

• Alcohol reduces your ability to perform two or more tasks at the same time.

• Alcohol reduces your ability to see distant objects and night vision can be reduced by 25%.

• Alcohol is also known to cause blurred or double-vision.

• Alcohol leads to an increase in risk-taking as it can create a sense of overconfidence.

Another important point made by the institute pointed out that, even when sober, young drivers are more prone to accidents than older, more experienced drivers whilst out on the road. In addition to this, younger drivers are more vulnerable to the effects of alcohol - as shown by the lower average blood alcohol levels of young drink driver offenders when compared to older offenders.

with the possibility of high young driver insurance premiums for those who are caught, along with criminal charges and expensive court and legal fees, it really is not worth the risk, especially if irresponsible drink driving leads to deaths.

Of all the fatal drink drive accidents that occur on the road it's not always the driver who is killed - their irresponsible behaviour could lead to the death of others. The real question you need to ask yourself before getting in the car after drinking is - do I really want to risk my young drivers insurance premium, court cases or even be the cause of someone's death this Christmas?

Whilst it is also important to remember that Christmas is a time for loved ones to get together and have a good time - just remember to be safe.

*Source: http://www.ias.org.uk/resources/factsheets/drink_driving.pdf

Wednesday, 14 December 2011

Working Young Drivers Need Cheaper Car Insurance

Young driver insurance providers are being urged to offer more affordable car insurance for young drivers*, especially since many feel that they are being priced off the road as they simply cannot afford to pay for standard car insurance quotes.

Unfortunately, the reason behind the high car insurance quotes is because young drivers are thought to be the most likely bunch of driver to have an accident and a large claim on their young drivers insurance as a result.

This causes yet another problem – especially for those young drivers who work. As a result this could be a factor that contributes to the current level of unemployed young people in the UK. It’s believed that if young driver insurance is kept at an affordable level then more 17 – 25 year olds will be able to take on jobs that may not have been available to them before.

However, iKube’s black box insurance could be a solution for many young drivers as it offers up to 25% discount on standard car insurance. The scheme does this by restricting the young motorist to driving before 11pm at night. If they do drive between 11pm – 5am they incur a £100 penalty – simply a deterrent to keep young drivers safe and off the roads during the most dangerous time of night to drive.

It’s important to remember that iKube doesn’t say that you “can’t” drive late at night – the scheme just asks that you don’t. It’s certainly not curfew car insurance in the strictest sense of the term.

Unlike other black box car insurance policies iKube will not restrict your mileage – it’s not a “pay as you drive” insurance or even a curfew insurance scheme – it’s simply asking young drivers to stay safe on the road.

At renewal the young driver could get up to 40% off their car insurance – as long as they’ve been a careful, considerate driver.

Young Driver Insurance - A Legal Responsibility


Young Drivers Car Insurance -
A Legal Responsibility
As you're no doubt aware - car insurance is a legal requirement for any driver before taking to the road. Apart from the fact that it's legally required it would be pretty silly to drive without some form of cover in place.

However, as a young driver it can be expensive to get out on the road, especially with the growing cost of traditional young driver insurance. Unfortunately, as a result, many people are still driving uninsured.

It can be all too easy to get behind the wheel and, whilst you may be paying attention to your own driving, you may not be paying enough to other road-users... resulting in accidents, such as a rear-ending. Rear-ending is basically going into the back of another car.

Without some form of young drivers insurance this could be a costly mistake - possibly resulting in the loss of your driving licence that you worked so hard to get. In addition this could mean that the poor person you crashed into has to fork out for car repairs as you have no car insurance to help meet the cost of the claim... is that really fair?

By buying the likes of telematics car insurance or "black box insurance" you could help yourself as the price you would normally pay is discounted (by up to 25%) if you agree to have iKube's black box installed.

iKube's black box essentially monitors your driving to ensure that you're not driving late at night (between 11pm - 5am) and, as long as you can agree to this, then you won't be charged any penalties for driving after 11pm at night.*

You could even drive your car insurance costs down further at renewal by driving with care and consideration... with discounts of up to 40% at renewal.

*Subject to iKube terms and conditions

Tuesday, 6 December 2011

BBC Logs Every Death On Road In Great Britain For The Last 12 Years

Did you know that the British police force recorded over 3 million road casualties over the last 12 years to 2011?*
According to the report over 36,000 people died and a further 373,985 people were seriously injured. In spite of this the BBC believe that the police report does not reflect the true extent of death and injury on UK roads as many incidents still go unreported.
The BBC claims that "the best official estimate of the total number of people killed and injured in road collisions each year is a massive 730,000."
Rather concerning, especially when you have to consider that the price paid by victims and their families is "inestimable". The annual cost to the economy is huge - between £15 billion - £32 billion.
Other interesting facts highlighted in this report include:
1. The casualty rate for motorbikes is 61 times higher than that for cars and a total of 7,004 bikers and their pillions (passengers) lost their lives between 1999 - 2010. Whilst this might not seem high it's worth considering that motorcyclists only make up 1% of all road traffic.
2. BBC data indicates that 8,242 pedestrians were killed on the road, including 1,279 children, between 1999 - 2010. It's believed that the most dangerous time for pedestrians is during the afternoon rush hour and school closing time.
3. Data also indicates that 1,575 cyclists died on the roads in the 12 years leading up to 2011. Morning and evening rush hours tend to be the most dangerous time for cyclists.
4. A seperate report by South Yorkshire police** indictated that for every fatal collision, there is a one in two chance that the driver responsible has a criminal record. According to the study "white van man" (van drivers) and truckers tend to have the highest number of motoring and criminal offences. Van drivers tend to be the worst for motoring offences with 61% having been convicted, however, lorry drivers top the ranking for highest number of criminal offenders at 41%. The report suggests that by engaging in risky activity, such as crime, appears to indicate a readiness to take further risks whilst driving.
5. Motorways are statistically the safest roads to drive on, according to the BBC's report. This is down to the fact that traffic travels in the same direction on the same side of the road and the difference in speed between vehicles tends to be less than on other roads.
6. A-Roads or "Trunk roads" tend to be more dangerous and BBC data indicates that the death rate is around 1 per mile. Since these tend to be more diverse than motorways, ranging from dual carriageways to city centre roads there are more hazards, resulting in a higher number of collisons. Since many of these roads pass through urban areas with dense traffic, pedestrians and cyclists, the casualty count is generally thought to be significantly higher.
As a result of this the Government have called upon local authorities to take more responsibility for reducing the number of road casualties.
Interestingly enough, out of all the urban areas, Cardiff stands out as one of the lowest for road accidents in the UK. City officials have said that the low figures are down to better road engineering and lower levels of traffic and enforcement.
Other cities in the UK are encouraged to follow Cardiff's example.
To find out more about this report please visit the BBC’s website:
*Source: http://www.bbc.co.uk/news/uk-15975720
**Source: http://www.bbc.co.uk/news/uk-15975564

Are you still learning to drive or maybe you're newly qualified? If you're looking for an affordable learner driver insurance or full licenced young drivers insurance policy you could find one with iKube.

So give us a call on 0845 602 6925 or click for a CALL BACK and someone will get straight back to you.

Thursday, 1 December 2011

Driver Error Behind Young Driver Accidents

Did you know that young drivers insurance tends to be more expensive as a result of young motorists taking greater risks than those with more driving experience? Elementary stuff eh?

A joint study was undertaken by US based State Farm Insurance and the Children's Hospital of Philadelphia into road accidents involving young drivers.*

What was interesting about the study was the fact that the majority of accidents (42% in fact) were caused by driver error (distractions and lack of scanning ahead) - rather than risky behaviour whilst driving.

The Most Common Young Driver Errors:
  1. 21% of the road accidents happened due to distractions whilst at the wheel - by something inside or outside the vehicle.
  2. 21% of the road accidents happened due to lack of scanning to detect and respond to hazards.
  3. 21% of the road accidents happened due to going too fast for the road conditions, i.e. driving too fast to respond to other road users, or to successfully navigate a bend in the road.
By driving at the appropriate speed for road conditions, i.e. when taking corners and by scanning ahead and judging the road, rather than just what's in front of the car's nose, could help to reduce driving accidents.

Where possible, young drivers and those learning to drive are encouraged to gain as much experience behind the wheel as possible – whether that’s with a parent or qualified driving instructor to help reduce the risk of accidents whilst on the road.

If you are still learning to drive and need provisional insurance then check out iKube's learner driver insurance section and get a quote today.

*Source: http://www.statefarm.com/aboutus/_pressreleases/2011/are-you-confident-your-teen-is-ready-to-drive-for-prom-ut.asp

Wednesday, 23 November 2011

ABI Calls For Partial Driving Licences For Young Drivers

Newly qualified young drivers should not be given full driving licences straight away, in an attempt to bring down the cost of young drivers insurance, the Association of British Insurers (ABI) has announced.

The ABI has said that the number of young drivers killed on the roads every year in Britain could be significantly reduced by not issuing a full licence and by imposing a curfew on night driving, with a ban on driving between 11pm - 4am, very similar to the restrictions put in place by iKube’s black box insurance.

Malcolm Tarling, an ABI spokesperson, commented:

"Despite falling road accident figures, too many young people are being killed or seriously injured on our roads."

He added that around 18 people a day are killed or injured in car crashes involving young drivers under 25.

The ABI's proposal is that young people learning to drive need to spend at least a year learning before taking a driving test. The ABI have also asked for a ban on young drivers taking an intensive driving course over a short period of time.

In addition to this the ABI have also called for a second driving test two years after the newly qualified driver gets a full driving licence.

The ABI believe that by imposing these restrictions on young motorists the cost of young drivers insurance could be reduced to more reasonable levels, over time.

To find out more about how iKube's black box car insurance for young drivers works, please check out some of our guides:





Source: http://www.bbc.co.uk/newsbeat/15832097

Monday, 21 November 2011

Could Cheap Young Drivers Insurance Get Young People Working?

In an unusual move the Shadow Transport Secretary for Labour suggests that cheap young drivers insurance could get Britain's youth back to work.

Labour MP, John Woodcock suggests that "travel-to-work only" young drivers insurance premiums could help 17 - 25 year olds get a job.

Mr Woodcock is also urging for changes to the driving test and an improvement in road education. Commenting, he stated:

"There are more than one million jobless young people we must help."
He plans on outlining his idea to the Association of British Insurers at a car insurance conference this week.

Whilst this certainly represents a step in the right direction to get young people into jobs there are other ways to help bring down the cost of young drivers insurance, including taking out a black box insurance policy, such as iKube.

To find out more about black box technology and iKube's specialist product take a look at these related articles:



iKube Black Box Insurance Encourages Safe Driving

Source: http://www.mirror.co.uk/news/top-stories/2011/11/20/labour-cheap-car-insurance-for-young-drivers-would-get-them-working-115875-23574224/

Thursday, 17 November 2011

DSA To Introduce New Section To Theory Test

The Driving Standards Agency (DSA) are adding a question to the Driving Theory test for learner drivers on how to react when faced with an emergency vehicle on call-out.

The hazard perception section of the driving theory test will include a section on how drivers should respond when faced with an approaching ambulance, police car or fire engine. This was decided upon following a suggestion by the Isle of Man Fire and Rescue service.

For a lot of new drivers and learner drivers on the road it can be quite daunting when faced with a high-speed emergency vehicle and many simply don't know how to react.

For young and learner drivers who are either in the process of learning to drive or have just qualified it is absolutely vital to let them pass you as soon as it's safe to do so. iKube recommends:

1. Keep a look out for flashing headlights, sirens, blue, red or green lights.

2. If one approaches then do not panic.

3. Pull over to the side of the road if it's easy and safe enough to do so.

4. Ensure that the gap you leave is large enough for the vehicle to pass you.

5. If you're on a dual carriageway or motorway then you should look at moving to a left-hand lane in order to let the emergency vehicle pass you.

6. Do not endanger yourself or other road users and pedestrians by harsh braking or mounting kerbs.

Are you learning to drive, have a car but need cover? Check out iKube's black box insurance - affordable learner driver insurance designed especially for provisional licence holders.

Learner Driver Passes Test Whilst In Labour

Did you hear the one about the woman who passed her driving test whilst in labour? Seriously - it actually happened back in August, believe it or not!

Emma French, a learner driver from West Lothian, broke her waters mere hours before her driving test. Instead of calling the test off she decided to go-ahead and take it anyway.

According to Ms French she wanted to sit it and get it out the way before the baby was born, otherwise she "wouldn't have another chance until the baby was older."

Even more surprisingly, after sitting and passing the practical driving test she chose to drive herself to the hospital where doctors discovered that she was around 3cm dilated and she gave birth just 6 hours later.

A truly incredible story and, whilst iKube wouldn't recommend taking your driving test whilst in labour, just goes to show what can be accomplished with a little extra pressure. ;)

Congratulations to Emma and we wish you well with your driving future!

If you're aged between 17 - 25 and learning to drive but need provisional insurance to run your car then check out iKube's black box insurance cover - it might be just what you're looking for.

Source: http://www.metro.co.uk/news/880296-woman-passes-driving-test-with-flying-colours-while-she-is-in-labour

Tuesday, 15 November 2011

Provisional Insurance - How Can A Black Box Help Learners?

Learning to drive can be difficult, unfortunately finding affordable provisional insurance can also be pretty tricky.

If you're learning to drive you will naturally be looking at cutting motoring costs, especially since the running costs appear to be constantly growing.

Car insurance is yet another cost faced by young people looking to get on the road and, when going through a traditional car insurance firm or broker this can prove pretty expensive. This is why so many learner drivers are turning to high-tech, black box insurance cover - such as iKube since this tends to be cheapest option for many.

Not only could black box insurance saves the learner driver a substantial amount of money but it could also turn them into a safer, more conscientious driver when taking to the road.

iKube’s black box provisional insurance utilises a GPS or “telematics” device that is installed under the vehicle’s dashboard to collect data about the car whilst driving. iKube simply offer up to 25% discount on provisional insurance at the start – based on the assumption that you won’t drive between 11pm – 5am (the riskiest time of night to drive for young drivers, according to statistics).

However, the iKube black box measures more than just the time of day you drive. It also checks other elements, such as speed, harshness of braking, how fast the motorist takes corners, etc.

This information can actually be accessed by the learner driver or full licensed young driver on their iKube account so that they can see their driving style and, if necessary, alter it to improve their technique and manner on the road.

iKube simply uses this information at renewal so, whether it’s provisional insurance or the full licence product, you could get up to 40% discount on renewal – as long as you’ve driven well.

Wednesday, 9 November 2011

Can Black Box Insurance Really Save You Money?

Whilst black box insurance for young drivers cannot "guarantee" to save you money it can give you a better chance of finding a car insurance policy that is more suited to your needs and at a more affordable price.

Let's face it - any policy, whether black box insurance or regular car insurance, won't suit everybody. Everyone has different needs and requirements so it's ridiculous to think that, just because black box insurance wasn't right for my mate Joe Bloggs it won't be right for me.

In theory - the better you drive, with a black box fitted in the car to record journeys, the cheaper your car insurance will be.

Let's take a look at a few black box insurance facts:

  1. iKube's black box insurance could save young and learner drivers* up to 25% off their first year car cover, however, car insurance premiums are still based on postcodes (i.e. where you live), where you park your car at night (i.e. driveway / garage / road) and of course the car make and engine size. The bigger your car and engine, the more expensive your insurance will be. Hence why iKube advise new drivers to go for smaller cars with lower powered engines.
  2. The black box records the times of day the vehicle is moved. For instance, if you're found to be driving between 11pm - 5am iKube will charge £100. Why? Good question - but the answer is really quite simple. Drivers between the ages of 17 - 25 are statistically more at risk of having an accident than a more mature driver whilst driving late at night. Hence why iKube has introduced this curfew - but don't think of it as "curfew car insurance" - think of it as merely "putting your car to bed".
  3. iKube ALSO tracks other elements of your driving, such as:
    • Speed
    • Mileage
    • Braking
    • The types of roads you drive on
    • etc

    Based on this information iKube can look at how you've driven over the course of the year and potentially reward you with up to 40% discount on your renewal policy... as long as you've driven carefully and conscientiously.
In answer to the question- "can black box insurance really save you money?" - yes, in theory black box insurance can save you money but it's important to think about what your requirements are.

You might need to drive late at night, for whatever reason or you simply might not want that restriction in place. It's really up to you but we think the benefits of our black box cover far outweighs any negatives... give us a call and see for yourself.

Some Interesting Driving Facts And Figures

Following a little research the team here at iKube carried out (with the assistance of IAM’s superb Motoring Facts 2011 document) we’ve managed to dig-up some interesting facts that might intrigue and surprise you.

Did You Know?

  • After the driving test was first introduced in 1935 the number of deaths on the road fell by almost 1,000 within a year.
  • There were only 2.4 million vehicles on the road in 1935 with over 7,000 deaths. Whilst there are now 34 million vehicles on Britain's roads the death tolls have actually dropped to 2,222 in 2011.
  • Over 94 million driving tests have been carried out since the test was launched in 1935.
  • Estimates suggest that almost half a million people in the UK actually drive without a driving licence that drives for a massive 3.7 million hours every month. Unfortunately this leads to a number of problems for licensed and insured motorists – such as the high cost of young drivers insurance.
  • Compared to drivers of all ages, young drivers between the ages of 17 - 19 are ten times more likely to have a drink-drive crash. In addition to this those aged 20 - 24 are 4.5 times more likely, hence one of the reasons young drivers insurance and provisional insurance tends to be quite high.
To find out more about the black box insurance cover iKube can offer please give us a call and one of our helpful sales staff will happily call you back.

Related guides and posts:



Thursday, 3 November 2011

It's Tough Being A Learner Driver

Driving can be hard work but learning to drive - now that's tough.

Whilst having your own learner driver insurance and car to practice in can help to increase your confidence on the road before you go for your test, there is no denying that no matter how much you practice it is hard work and it just seems to be getting harder.

Did you know that there has been a drop of 19% in people taking driving tests since 2005? Do you know why - let's hazard a few guesses, helped out slightly by the BBC:*

  1. The cost of driving lessons has gone up. Did you know that, on average, the price of lessons sit at a whopping £24 per hour? That is a 14% increase on 2005.
  2. The cost of sitting a theory driving test is now £31 - a staggering increase of 48% based on 2005 figures.
  3. The cost of sitting a practical driving test is now £62 - an increase of 36% on 2005.

These figures don't even begin to take into account the car's running costs:

  1. Car tax for 12 months is on its way up. Did you know that, to run a Volkswagon Polo 1.4L it costs £130 per year? This is up by 24% on 2005 figures.
  2. The cost of petrol. This is probably one of the biggest bug bears out there. Did you know that it costs a whopping £1.36 per litre? This is up by a staggering 56% in 2005 - back when the cost of fuel was roughly £0.70 per litre. That means, to fill a small engine car such as a Ford Ka, it will cost you around £50 - £60 a time, compared to the £20 - £30 small car drivers were paying back in 2005!

This isn’t even taking into account the cost of car insurance for learner drivers – which can be high when you don’t find the right insurer.

Fortunately iKube can offer competitive cover for learner drivers through its specialist black box insurance policy. To find out more drop iKube a call or request a call back and someone will get back to you.

*http://www.bbc.co.uk/newsbeat/14392512

Tuesday, 1 November 2011

Learner Driver Insurance - Does It Need To Be So High?

As you're no doubt aware - learner driver insurance tends to be quite pricey. This is because young learner drivers are thought to be more of a risky bet in insurance terms.

However, iKube has identified a way of reducing provisional insurance for learner drivers between the ages of 17 - 25 through its black box insurance cover.
Like any regular car insurance policy iKube's black box insurance will determine the premium rate according to:
  1. PostCode (i.e. where the learner driver lives - for example, if you live in a low crime rate area then your provisional insurance could be cheaper).
  2. Car Type and engine size (i.e. the smaller the car and its engine, the cheaper your learner driver insurance could be).
However, after taking this and other related information into consideration iKube then discounts the insurance premium by up to 25% by adding in its black box:

The iKube black box is essentially installed to monitor the time of day you drive.* As a learner driver it is highly unlikely that you will need to drive your car after 11pm at night until 5am the next day. Besides - can you actually imagine your parents or driving instructor wanting to take you out at that time?!

The reason iKube decided to restrict young and learner drivers to driving during the day and early evening is because, statistically, you are more at risk of being involved in accident between 11pm - 5am (known as the iKube "red hours").

Did you know that when you come around to renewing your car insurance with iKube, as long as you’ve been a safe, careful driver then you could get a discount of up to 40%?!

It’s also important to note that, unlike some insurers, iKube will not increase or cancel your car insurance premium once you pass your driving test – you simply need to notify us that you’ve passed. Easy!

* Data may be used for the prevention and detection of crime and at insurer requests.

To find out more - read some of our other related guides and blog posts, including:



Looking To Take Your Car On A Driving Test?

It's not often that a young learner driver will take their own car on a driving test, however, it does happen, especially if you have learner driver insurance, and there are a number of things you should consider before going ahead, including:
  1. The test examiner might ask you to produce a valid learner driver insurance certificate which will allow you to take the car on a driving test. So - make sure you have your provisional insurance certificate with you.
  2. The examiner may want to check your road tax certificate to ensure that the car is legally allowed on the road.
  3. Since it's your own car he may also do a quick check of your car's tyres to ensure they're road-worthy. i.e. they don't have any cuts or bulges in them and that the tread depth is 1.6mm across the circumfrence of the tyre (the legal depth for car tyres).
  4. Ensure that your car is in good-working order. If it's a relatively old car you could look at getting it serviced and checked over by a professional before your test - just to make sure it's ready.
If you are learning to drive, have your own car and looking for affordable cover then give iKube a call on 0845 602 6925 or visit our learner driver insurance page and find out more about our black box insurance cover.

More Guides From iKube:

Top Tips For Dealing With Nerves As A Young Driver

A Young Drivers Guide To Being A Good Driver

Sharing The Road With Cyclists - A Young Drivers Guide

Monday, 31 October 2011

iKube Black Box Insurance Encourages Safe Driving

It's an unfortunate fact of life that young drivers are more likely to be in a car accident and have potentially more expensive young drivers insurance claims than that of an older, more experienced driver.

The reasons are fairly obvious when you look at why this might be:


Inexperience behind the wheel

If you're a young driver, between the ages of 17 - 25, the likelihood is you haven't been driving for very long... or maybe you've just passed your test?

It's simply a case of building up that experience on the road - get out there and practice, practice, practice! The more experience you have and, as long as you drive conscientiously and with regard for others, then there is no reason why you should be involved in an accident... in theory at least.


Distractions whilst driving

Being a young person in the modern age is tough - there are so many distractions. Whether it's the fit girl in the little dress walking down the street on a hot summer's day or your mates shouting at you to change the track on the iPod. All of these things can cause an accident - which is why it's important to always keep your eyes on the road whilst driving.


Risk Takers

Aside from distractions and inexperience, 17 – 25 year olds tend to take more risks whilst driving, which is why they tend to see relatively high young drivers insurance premiums. However, considering a black box insurance policy could be the perfect solution to this problem.

Did you know that iKube can offer you up to 25% discount when you take out a black box insurance policy? In addition to this, taking out a black box insurance policy encourages you to be a better driver as iKube can offer you up to 40% discount on your car insurance when it comes around to renewing your policy.

The black box can measure a variety of factors such as speed, mileage, hard braking and harsh acceleration, amongst other things. So, as long as you drive sensibly and with care you could get a hefty discount at renewal.

Check out some of our other related guides on the iKube website:

Young Drivers Should Consider Motoring Costs Before Buying

Car Insurance For Young Drivers - Groups Explained

Thursday, 27 October 2011

Nights Are Drawing In Sooner - Stay Safe Whilst Driving

With evenings drawing in earlier with the approaching winter months, as a young driver it's important to stay safe whilst on the road.

Apart from keeping your young drivers insurance claims to a minimum, careful driving at night is imperative to keep yourself and others safe whilst on the road.

iKube young drivers insurance has always been based around the time of day you drive. We recognised early on that between the hours of 11pm - 5am were statistically the most dangerous times of the evening to drive, hence why our black box insurance is designed to alert us when you drive late at night.

However, iKube also recognise the fact that, even before 11pm at night, in the winter months it gets dark far earlier and you will be out on the road.

What Can You Do To Stay Safe Whilst Driving?

  1. Drive at a safe speed - by not exceeding the stated road limit.
  2. Try to stick to well-lit roads if possible. If you must use darker roads then simply reduce your speed.
  3. Give your car a wash - keeping your windscreen and lights clean will make you more visible on the road.
  4. Since response times at night tends to be slower it's worth increasing the distance between your car and the one in front (for example, if you're on a busy dual carriageway).
  5. Oncoming traffic can dazzle you if their headlights are set to full-beam. If this is the case then consider using the edge of the road as a guide.
  6. If you're looking at making longer journeys then consider stopping for short breaks - i.e. at service stations for a quick cup of coffee and some fresh air.
For more tips on staying safe on the road check out:



Mobile Solutions For Driving – Are They So Great?

For many young drivers it is common sense to put the mobile phone away whilst driving - especially since talking or texting is one of the most dangerous things you can do when on the road, potentially risking their lives and the lives of others (as well as their black box insurance no claims bonus).

Using a mobile phone whilst on the road is simply illegal and did you know that, if you’re caught, you could get substantial fines, penalty points to your licence or even have it revoked if you’re a repeat offender. In addition to this you are seen as a risk and therefore you could see a hike in your young drivers insurance.

Out of Sight, Out of Mind

Sometimes it's simply better to switch your phone off or set it to silent and stick it in the glove-box rather than having it within arm’s reach whilst you're driving.

Alternatives:

Hands-free

The most common solution that people come up with, however, is a hands-free option, however, research by the Transport Research Laboratory actually suggests that a driver's reactions, whilst on the phone, hands-free or otherwise, are up to 30% slower than those slightly over the legal alcohol limit. Shocking isn't it?

Mobile Phone Apps

With the increasing popularity of smartphones and mobile apps, the likes of "DriveSafe.ly" have released an application for drivers who feel the need to have their phone demanding their attention at all times.

The app reads SMS messages and emails aloud in real time and will automatically respond without the driver having to touch the phone.

What's The Solution?

Whilst hands-free may be ever so slightly better than holding a phone to your ear whilst driving and the likes of DriveSafe.ly eliminates the need for texting whilst driving it doesn't really address the problem effectively...

In the end it is up to the young driver’s common sense and the law – remember it’s illegal to be on the phone – calling, texting, or otherwise whilst driving.

Is it really worth risking your life, other people’s lives, licence points and hikes in your black box insurance or provisional insurance if you’re still learning to drive?

Related articles:


Driving - A Constant Learning Curve

Unfortunately young drivers tend to be the hardest hit when it comes to young drivers' car insurance premiums. The main reason behind this is the high risk associated with new, inexperienced drivers, especially those between 17 – 25 years of age.

So, as a young driver, what can you do to help reduce the cost of your young drivers insurance premium? Good question... and the only real answer is EXPERIENCE (and possibly a black box insurance policy).

The more experience you have on the road, the better you'll become, in theory. But iKube know it's not as simple or as straight-forward as that and so does the Institute of Advanced Motorists (IAM), who have recently issued a statement saying that young drivers should continue to train even after they pass their driving test.

A spokesperson for IAM has said that the group are committed to encourage and develop young drivers, "and to continue to learn and develop throughout their driving careers."

So - yes, training behind the wheel of the car will help to improve a young driver's skill level, however, that doesn't mean they will necessarily see an improvement in the cost of young drivers insurance... why?

What it essentially comes down to is that most car insurance firms don't necessarily recognise or take IAM courses into consideration when calculating the price of your car insurance. Most firms will still base their insurance discounts on whether or not the driver has obtained a PASS PLUS.

Having said that IAM do teach a variety of excellent courses and they are dedicated to helping you to improve as a driver and, in time, you will find that as your driving improves your car insurance premium should improve as well. In fact, if you take out an iKube black box insurance policy and your driving improves as a direct result of IAM then you argue that it does work… in a round-a-bout kind of way – especially since iKube can reward higher black box car insurance discounts at renewal, based on good driving habits.

Check out these related guides:



Thursday, 20 October 2011

Winter Highlights The Need For More Protection On The Road

With winter drawing in, the weather growing colder and the increasing likelihood of ice and snow it's becoming more and more important to stay safe as a young driver on the roads, which is why black box car insurance for young drivers is so important.

However, recent research by Manheim Auctions undertook a study that suggested that 95.5% of motorists are not planning on buying winter tyres to help maintain their grip on icy roads.

Whilst black box insurance can cover you and breakdown cover will undoubtedly provide you with road-side assistance, should you need it, they won't prevent an accident on the road.

The cost associated with winter or "cold weather" tyres can be daunting for many young drivers looking to keep motoring costs low, however, have you considered the cost implications should you have an accident? They could be a lot higher if you end up in a ditch at the side of the road.

Yes young drivers insurance and breakdown cover is adequate protection whilst you're out and about but it is worth considering adding cold weather tyres, especially if you want to protect yourself, your passengers and your no claims bonus!

Check out these related articles:

Tuesday, 18 October 2011

Black Box Insurance - The New Kid On The Block

As a young driver you hear the words "black box" or "black box insurance" and you think... interesting? Scary? Cool...

Well, believe it or not, black box insurance is becoming more and more common-place amongst the young driving community as it is helping to reduce the cost of car insurance for young drivers taking to the road for the first time.

What do you associate black boxes with?

It's a good question if you think about it - did you know, for example, that black boxes were originally (and still are) used in aircraft to record information about the flight? This is to record any instructions sent to any electronic system in the plane. They tend to get used for accident investigations, analysing safety issues in the air and engine performance, amongst other things.

A black box installed in a car essentially acts in a very similar manner, however, the main focus of a car's black box is to monitor mileage, speed, times the car is being driven and a number of other elements... all geared at keeping you, the driver safe and saving you money in the process.

So - are black boxes cool? Yes, of course -  if they keep the cost of your young drivers insurance low, your parents happy and you safe then the argument for black box insurance far outweighs any negatives.

To find out more about black box insurance and how it works check out some of these other articles:

Monday, 17 October 2011

Young Drivers Turn To Black Box Insurance

Young drivers are increasingly turning to black boxes in an effort to keep the cost of car insurance low.

Black box insurance is increasingly becoming more popular amongst young drivers, in spite of the criticisms aimed at telematics insurance cover. The main criticism levelled at black box insurance is the worry that young drivers will effectively be giving up a certain amount of their personal privacy.

However, whilst iKube can measure a number of different factors, it is important to note that the primary reason for the black box is to measure the time of day the car is being driven. You should note that if you drive between the hours of 11pm - 5am (the red hours) you are more at risk of being in an accident - which is why you will incur a £100 penalty. Think of it simply as an incentive to stay off the road late at night.

The Black Box data is also used when it comes to renewing your car insurance policy with iKube. Did you know that iKube can actually decrease the cost of your young drivers or learner drivers insurance depending on how carefully and conscientiously you've driven?*

Well, to get a discount on the cost of your black box insurance low when the time comes to renew, you should consider doing the following:

  1. Adhering to the speed limit of the road.
  2. Avoid harsh acceleration
  3. Avoid hard braking where possible
  4. Give yourself plenty of space when in traffic
  5. Avoid driving late at night from 11pm - 5am

To find out more about iKube's young and learner driver insurance and how to keep costs down, check out the following guides:

* Data may be used for the prevention and detection of crime and at insurer requests.

Tuesday, 4 October 2011

What Makes iKube Learner Driver Insurance Different?

If you’re learning to drive and looking to buy learner driver insurance for your car it can be difficult to find affordable cover, especially if you’re 17 – 25.

Whilst there are a lot of insurers who will offer affordable provisional insurance cover did you know that many of them will either actually increase your premium or cancel the policy altogether, once you pass your test?

Well this is what makes iKube different… iKube won’t increase your car insurance premium once you pass your test and certainly WON’T cancel it!

So how are iKube able to do this?

Good question. iKube offers a special form of black box insurance that tracks the time of day you drive your car. The iKube learner driver insurance policy requests that you refrain from driving your car between 11pm at night until 5am in the morning (the red hours), as this is the time that, as a young driver, you are at more risk of being involved in a serious accident, according to the Association of British Insurers (ABI). As long as you can stick to this one simple rule iKube can offer a reduced rate on your learner driver insurance.

When you pass your test iKube won’t increase your insurance premium – iKube bases your car insurance premium on you, not people like you.

In addition, when it comes to renewal, as long as you’ve been a safe, conscientious driver, we can also offer up to 40% discount – pretty neat really.

To find out more – take a look at iKube’s learner driver insurance section or give us a call and find out more.

Friday, 30 September 2011

Proposed Motorway Speed Limit Changes - Good or Bad?

This poll is now closed. To find out more about the outcome of iKube's poll on the proposed motorway speed limit change - check out iKube's latest press release:

UK public back motorway speed increase

Check out the latest piece of press - iKube reveals that the majority of the UK public back the proposed motorway speed increase.

Looking for black box insurance for young drivers? Check out the rest of iKube's website or give us a call today!

Thursday, 22 September 2011

Is Curfew Car Insurance So Bad?

With so much information going around about curfew car insurance in the press iKube felt that it was time to dispel some of the myths and let you see the facts for yourself:

First off - just because your iKube policy requests that you avoid driving between the hours of 11pm - 5am doesn't mean you can't. However, if you do we charge you £100 - simply think of it as an incentive to stay off the road late at night.

Apart from this, it's also worth bearing in mind that the Association of British Insurers (ABI) have actually undertaken research that actually shows that young drivers between 17 - 25 are at more risk of having an accident between 11pm - 5am than at any other time of the day. Shouldn't that be an incentive enough to stay off the road late at night?!

Besides, wouldn't you rather be out on the town with your mates or shouldn't you be revising for that all important exam anyway?! It's straight-forward, no-nonsense and it means we can help keep your young drivers insurance low.

But let's look at the other real positive you gain from using curfew car insurance with iKube -

iKube prefer to think of it as "black box insurance" - not as a curfew policy. It is essentially designed around you - the driver so that we can tailor the car insurance to your personal needs. You're not a "stereotype" or a "demographic" and we won't treat you like one. Using our young drivers insurance you could save yourself quite a bit of money in the long run. In fact, iKube can offer up to 40% discount on your car insurance when it comes round to renewing it.

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Wednesday, 21 September 2011

Black Box Insurance – A Few Facts

Black box insurance for young drivers has been around for a few years now but many are still asking - what is black box car insurance and how does it work?

Black box insurance is referred to by many names, from smartbox insurance to curfew car insurance. It's basically designed to be more driver centred so that the premiums are based on you - the driver, not on how you fit into the typical young driver stereotype.

iKube's black box basically fits, discreetly, into the young drivers' car and simply tracks as and when the car is being driven using GPS technology.

The main area iKube is interested in - the part it really tracks is the time of day the car is being driven. Did you know that from 11 at night to 5 in the morning you are more at risk of having an accident than at any other time of the day? Well - iKube has been able to reduce its car insurance premiums for young drivers by stipulating that you don't drive between 11pm - 5am (the iKube red hours).

It's not only to keep your insurance premium low - it also helps make you a safer driver.

In addition to this, when it comes time to renew your young drivers insurance policy, iKube can also offer a whopping reduction of up to 40% on your car insurance premium based on:

  • Your average speed on varying types of road
  • The types of roads you've travelled on - it's not just the cars that carry the risk factor
  • Actual annual mileage travelled
  • How frequently you've driven during the iKube "red hours"
So - as long as you drive safely, sensibly and avoid driving late at night - you could receive a significant discount when you come to renew. Now that's something worth shouting about!

Tuesday, 20 September 2011

Olympic Hopefuls Promote Eco-Safe Driving

iKube young drivers insurance has been a keen follower of eco-safe driving since a number of car manufacturers, including Vauxhall have introduced eco-friendly cars to help reduce emissions and cut down on fuel consumption.

Following from this, an interesting piece in the press today on how young drivers can save fuel by using a better driving method had iKube staff reading the article with interest. The piece highlights the "huge difference" that good driving techniques can have on the amount of fuel consumed by the vehicle.

What was interesting about this test was the fact that all three drivers that took part took drove the same distance, along exactly the same route.

Two Olympic hopefuls - Jessica Ennis and Stef Reid drove the route, along with a motoring specialist to compare fuel consumption. The test showed that Reid used 25% more fuel than the expert in spite of the fact that she drove six minutes slower than the motoring specialist.

Ms Ennis' drive revealed that, based on the short drive, over a year she would spend over £1,100 more fuel than the specialist as well as emit a whopping two tonnes of CO2 in addition to that of the specialist.

So - interesting news for young drivers as it highlights - not only the importance of eco-safe driving to help reduce the carbon footprint, but also the sheer amount of money you could save by adopting best practices. Money that could be better spent on an iPod or some new speakers for your car or, dare we say it, young drivers insurance!

To find out more on how you can adopt eco-safe driving take a read of iKube's Eco-Safe Driving Tips For Young Drivers and see how you could save yourself some money as well as help look after our planet.