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