Tuesday, 28 February 2012

Learning To Drive: Distractions After Passing Your Test

Once you pass your driving test it’s easy to make the assumption that you are automatically a good driver. However, good driving comes with practice - that's practice after you pass your driving test as well as whilst you're learning to drive.

When you're getting behind the wheel for the first time by yourself there are a few things you really need to consider whilst on the road. As a young driver you are not an experienced motorist and when you have busy roads and countless distractions around you this can make things even harder. This is another reason to consider some form of specialist young driver insurance.

Let's take a quick look at some of these distractions and how you can avoid them:

Mobile Phones
This is probably a warning you've heard from countless people countless times but it's an important one. Don't use your mobile phone whilst you drive - whether you're talking, texting or sending an email. Mobile phones can be a major distraction whilst driving - if you need to use one then pull-over somewhere safe and use it.

Eating & Drinking
If you're trying to eat or drink something whilst driving this can be incredibly distracting and could lead to an accident. Think about it for a minute - your attention isn't 100% on the road - it's also on the soft drink or sandwich you've got in your hand. In addition to this - you've only got one hand free to drive with. This makes it far easier to lose control of the steering wheel - potentially leading to an accident. If you really need something to eat then stop somewhere safe and convenient to do so.

Control Your Nerves
As a newly qualified young driver it's not unusual to have a bout of nerves when you first start driving by yourself. Before you get started just take a few deep breaths and make sure you are putting all your focus on your driving.

Don't Fiddle With Your Stereo
It's great having a few tunes to listen to whilst driving but it’s also important to bear in mind that it can be a distraction. There is probably a temptation to blast your music whilst you are out on the road or even fiddle around with your music system to change radio stations or tunes whilst you’re driving. Unfortunately both of these things can lead to an accident as your mind is less likely to be on the drive and more on the music. Sometimes you're better off just leaving the stereo alone until you can stop your car to make any changes.

Multi-Tasking - A Real Danger
All of the things mentioned in this article previously are a form of multi-tasking whilst driving and all of them pose a threat to yourself and others. However, there are those of us who also think it's a good idea to do your hair, make-up or even get dressed whilst you're on the move. Not a good idea - once again you're more likely to be focused on what you are doing than on the road ahead. If you need to - give yourself more time to do these things before getting in the car.

So it’s worth taking all of these things into consideration before getting behind the wheel of your car – it could mean the difference between an accident and a safe drive.

Just in case you haven’t already thought about this – if you haven’t already upgraded your provisional insurance to a full licensed car insurance policy then give us a call. iKube’s specialist young drivers insurance could be just what you’re looking for.

Wednesday, 22 February 2012

Student Car Insurance - Telematics Worth Considering

As a student your main focus (other than study) is on saving money. Now you have rent, utility bills and food bills to worry about the last thing you want to concern yourself with is car associated costs - namely student car insurance.

Having your own car as a student will undoubtedly give you that independence you desire. In spite of this the cost of student car insurance can be pretty pricey.

This is why so many students are turning to telematics car insurance specialists in an effort to reduce the cost of cover (without reducing the cover!).

If you're a student then telematics or black box insurance could be ideal. Here's why:

iKube's student car insurance works in a very unique way. iKube installs a mobile phone sized black box device under the dashboard of your car to monitor and record aspects of your driving.

The black box device simply records the time of day you are driving. This is the only real restriction on your policy. iKube ask that you do not drive between the hours of 11pm - 5am (the red hours) as this is the most dangerous time  to drive. Did you know that the majority of serious accidents happen at this time for 17 - 25 year olds? This is why we ask that you don't drive during the red hours - we want you, the student driver, to stay safe whilst on the road.

As long as you can agree to the terms of iKube's student car insurance we can offer you a discount (by up to 25%) on your car insurance.

Did you know that we also take into consideration student drivers who have a pass plus qualification? If you have pass plus you may be entitled to further discounts on your car insurance.

But it doesn't end there. When it comes to renewing your policy iKube also takes into account other aspects of your driving - such as speed, braking patterns and harshness of acceleration. These elements are all recorded by the telematics monitoring device in your car. As long as you have demonstrated that you are a safe and careful driver during the term of your initial policy you could be entitled for a discount of up to 40%.

Telematics Car Insurance More Acceptable To The Tech Savvy?

Modern-day young drivers taking to the road are far more tech savvy than those ten or twenty years ago - a different generation of motorists.

This generation of young drivers are probably more comfortable embracing the likes of telematics technology. In the majority of instances they can see the value of a telematics or "black box" device to monitor their driving. But why?

Consider this for a minute - the black box device installed in a car works in a two-fold way:

Telematics Car Insurance Specialist

It's long acknowledged that the black box insurance specialist uses it to monitor how the motorist drives - i.e. speed, harshness of braking, how quickly they take corners etc.

The telematics car insurance specialist can then take this into account when it comes to working out the cost of renewing the policy for the young driver.

In the case of iKube we can offer up to 40% discount at renewal - as long as you, the young or learner driver have demonstrated that you are a good driver and you have avoided driving the car between 11pm - 5am (the iKube red hours).

Young Driver

The majority (if not all) of black box insurance specialists give the young driver access to their data via some form of online portal.

In the case of iKube, once you have bought your young drivers or learner drivers insurance, you are given access to this portal to monitor your own driving. By checking your data regularly you can actually spot what elements of your driving needs improving.

By giving you access to this data iKube is giving you the ability to grow and mature as a driver as well as potentially reduce the cost of your car insurance on renewal.

iKube Welcomes Fair Pay Insurance

iKube Insurance are proud to welcome Fair Pay Insurance – another telematics car insurance product brought to you by iKube’s parent company, Motaquote.

The latest addition to Motaquote’s black box insurance family has finally arrived and seems to be ready to make an impact on the car insurance industry. But what does Fair Pay do that iKube doesn’t?

Well iKube is solely aimed at young and learner drivers between the ages of 17 – 25 and offers competitive cover based on the agreement that the young driver doesn’t drive between the time of 11pm – 5am (the iKube red hours), in an effort to keep them safe.

Fair Pay Insurance is aimed at a far broader market. From female drivers to experienced young drivers (i.e. 25+) who feel discriminated against due to where they live or the type of car they drive.

Fair Pay Insurance is what’s known as a “pay as you drive” insurance product, however, unlike other pay as you drive car insurance schemes Fair Pay will reward you up-front (and give you a TomTom).

If you tell Fair Pay that you are a good driver they will believe you and offer you the mileage points up-front as well as reward you with bonus mileage points.

How you use those mileage points is up to you. The TomTom that Fair Pay gives you isn’t just there as a gimmick to encourage you to buy the cover. It is so much more than just that.

The TomTom will give you real-time feedback on your driving behaviour so it makes you aware of incidents whilst you’re driving – such as speeding, braking too hard or taking corners too fast. If you adjust your driving style accordingly you may get rewarded further at renewal.

When your renewal arrives Fair Pay can discount your car insurance again – since you have the data to prove that you are a good driver (thanks to your TomTom).

Sound good? Check it out over at http://www.fairpayinsurance.co.uk/.

Thursday, 9 February 2012

Black box insurance - cover of choice for young drivers

Car insurance for young drivers, whether we like it or not, has seen an increase in average car insurance premiums over the last few years. Whether this is down to the impact of the recession or simply down to the fact that insurers are unwilling to hedge their bets on newly qualified motorists between the ages of 17 - 25 - one thing is certain. Young drivers insurance can be expensive.

As a result of this many young drivers and their parents are looking at black box insurance as a way of driving down premium costs - but not at the risk of a drop in cover.

iKube's black box insurance, for example, tends to be more affordable than standard car insurance and, in many instances the amount of money young drivers (or their parents) can save is substantial. Unlike "traditionally" rated young drivers car insurance iKube works in a slightly different way.

Whilst the traditional policies are calculated according age, gender, occupation, postcode, etc, our black box insurance policy takes into account other factors that traditional insurance providers simply don't take into consideration.

The great thing about having a black box installed in your car is the amount of data it can collect about your driving. We monitor the time of day you drive and we rely on your word, as a young driver, that you will avoid driving between 11pm - 5am.   Based on this agreement we can reduce the amount you pay significantly - by up to 25% in some cases.

However, the really nice thing about our black box insurance is that it doesn't just stop there. As long as the young driver is safe and careful whilst on the road then they could receive up to 40% discount on renewal.
So whether you're a young driver or a parent of young drivers’ iKube may be the cover of choice.

Why learner driver insurance can help

Having learner driver insurance in place is a legal necessity and essential if you are planning on taking your car out on the road (accompanied by a parent or instructor). But it does so much more than that.

Learner driver insurance helps to alleviate the problems associated with learning to driver – most importantly getting the practice in before going for your practical driving test (assuming you’ve passed your theory test of course).

Overall a learner driver or provisional insurance policy actually helps to reduce the cost of learning to driver… in theory. For instance – if you have a willing parent who is happy (and patient enough) to sit with you and help you practice then you could be on to a winner.

Just consider this for a minute – the more time, as a learner you spend on the road, the more chance you have of passing your practical driving test first time around. It could also help save you money on lessons – if you’re practising two to three times a week then this not only increases your confidence behind the wheel but it also improves your knowledge and skill when it comes to driving.

When all of this is combined it makes you a far better driver and means that you are far more ready when the time comes to take your driving test.

But the benefits don’t end there. Did you know that with iKube’s provisional insurance we also include breakdown cover* with all policies as well as the chance to earn your own No Claims Bonus (NCB) – you carry on earning your NCB even after you pass your test. That’s right – unlike some insurers iKube will not cancel or increase your car insurance after you pass your driving test and you carry on improving your driving record long afterwards.

So if you’ve been questioning whether having your own car and learner driver insurance policy will be beneficial and save you money in the long-run then wonder no more.

*Breakdown cover is mandatory cover for all iKube policies and is included as a £30 charge.

Friday, 3 February 2012

iKube High Jinks On The Race Track

I took a trip out with our iKube insurance staff this evening to go and watch some high-speed high-jinks around the local Go-Karting track in Cardiff.

We were up against the likes of GoCompare, Admiral, TheAA and Confused.com - but were we fazed? Well no, not really.

I'm pleased to say that the iKube girls and boys turned out in force (two iKube teams) with the intention of winning... or at least go down in true Welsh style - with a bit of a ruck.

Fortunately it didn't quite come to that! Besides Confused just didn't have the stomach for it! GoCompare did but fortunately Gio Compario wasn't there.

These are things I wish I could tell you but unfortunately we didn't win - that honour went to GoCompare - well done boys, girls and Gio Compario.

However, we did have a lot of fun whilst we were there - everyone from our Managing Director Nigel Lombard whizzing around the track at breakneck speed to Rob Morgan eating his pizza!

It was a night to remember… and I’ll leave you with this little image:

Want to see more images from that infamous night? check out our Facebook page or - if you're a learner driver looking for provisional insurance then check out our Learner Driver Facebook page.