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:


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


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.


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.


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