Thursday, 19 April 2012

BBC Watchdog Eyes Up Motor Insurers

BBC Watchdog ran an interesting piece on car insurance practices on 12th April 2012.

What the programme revealed was that a lot of insurers are actually increasing car insurance premiums for their existing customers.

However, the other interesting thing to come out of the programme was the fact that, when searching for alternative cover on price comparison websites, existing customers were finding that quotes were far cheaper with the same company for new business customers.

This suggests that a lot of car insurance firms are more focused on winning new business rather than retaining the business they already have.

However, iKube are a young and learner drivers insurance broker that are dedicated to finding the right cover at the right price - whether you're a new or existing customer.

Once you've joined up to the iKube black box insurance scheme we want to reward our customers.

Thanks to our black box insurance scheme we are able to offer a premium that matches the way in which a young driver drives their car. 

If they drive consistently well and safely as well as avoid driving between 11pm - 5am (statistically the riskiest time of day to drive) we reward them at renewal... unlike some.

Did you know that the cream of the crop can receive up to 40% discount at renewal, no longer need to be on curfew as well as receive their no claims bonus (NCB)?!

Check out what we can do for you:

Learning to drive? check out our exclusive learner drivers insurance package.

Just passed your driving test? Check out our great young drivers insurance scheme.


Wednesday, 18 April 2012

Defensive Driving - A Few Thoughts For Learner Drivers

As a learner driver there is a very good chance that you've come across the term "defensive driving."

For those who aren't in the know defensive driving is a technique to help you avoid accidents whilst on the road, as well as reduce the risk of claiming on your learner driver insurance policy.

Unfortunately, as drivers, we are faced with aggressive motorists almost every day and it is this type of driver that you need to defend yourself from. 

But the real question is how? How do you deal with that motorist who tailgates you or the driver weaving in and out of busy traffic cutting other road users and causing general annoyance and chaos?

Here's a few tips:

Be aware of other road users
It's really important to be aware of what other road users are doing around you. By being more aware of others you are less likely to be caught off guard should someone cut in front or try to overtake you, for example. This in turn helps to reduce the likelihood of an accident - as you are more aware and ready for what other road users may do.

Focus on your driving
By staying focused when driving you are reducing the likelihood of an accident. By being aware of other cars around you, checking your mirrors regularly and watching for any changes on the road ahead you can help to minimise the likelihood of an accident.

When you go out on the road set your phone to silent, avoid eating on the move and generally try to minimise distractions. By doing this you can stay focused on what's important - the drive.

Stay alert
It's important to stay as alert as possible at the wheel - drowsiness whilst driving is one of the leading causes of road accidents. By having a good night’s rest and that cup of coffee before getting behind the wheel could make a huge difference.

Finally - Safety Comes First
When you're driving you need to think "safety first" - so avoid aggressive, inattentive driving. Not only does this annoy and upset other road users it increases the likelihood of an accident. By being alert, aware, focused and considerate you are not only protecting yourself - you are protecting others.

Wednesday, 11 April 2012

Learner Drivers - Useful Resources

As a learner driver it can be tough when you first start practising on the road, however, there are a surprisingly large number of online resources that you can turn to for help.

Let's take a quick look at what's available:

DirectGov’s Practice Theory Tests

When I was learning to drive… not too long ago I happened across this excellent little resource.

Other than the Theory test book and the Highway Code these little tests are probably the next best resource you have available to you. More importantly they’re free and easy to use and they replicate the actual theory test quite well. The only thing missing is the “Hazard Perception” part… which brings me on to the next one on the list. Hazard Perception Tests

Believe it or not you can actually access free hazard perception tests online rather than spend out your hard-earned money on a DVD or software.

By using you can access these hazard perception tests free of charge and there are a total of 16 mock tests you can choose from. Extremely useful if you need to save a bit of money.

Other useful learner driver resources

If you do a search on Google for learner driver related information you will undoubtedly find a wealth of useful guides and blogs on learning to drive. In fact iKube has entire sections dedicated to learner drivers. We don’t just offer learner driver insurance – we try to offer a little guidance as well. For more information check out the following sections:

Learning to drive advice

General Motoring Advice For Young Drivers

Car Insurance For Young Drivers – A Little Advice

Incentivising Young Drivers To Drive Safely

Young drivers are amongst the primary concerns when considering all manner of issues on UK roads.  Unfortunately they still have a poor reputation for having too many road accidents.

The good news is that the Government, along with insurance providers and parents all plan on making them as safe as possible. David Cameron, for example, has recently lauded the use of telematics or "black box" insurance technology to help reduce accidents (as well as reduce the cost) for young drivers insurance.*

However, here at iKube we like to get you on a policy early - like when you're learning to drive, for instance.

Why? Good question - think about it like this; iKube offers a learner driver insurance product that reduces the overall cost of driving.

We can do this by offering learner drivers a discounted rate as long as they agree to be tracked by our black box technology. So the one simple request is that you don't drive between 11pm - 5am at night as this tends to be a riskier time to drive.

But it doesn't just end there. Once you pass your driving test the premium you pay doesn't change (but make sure you tell us that you've passed). So you continue to pay the same amount for your young drivers insurance that you paid when you were on a provisional insurance policy.

When it comes around to renewing your policy we offer a number of additional incentives to our young drivers.

1. If you have been a flawless driver with no issues whatsoever whilst on the policy we can actually offer you up to 40% telematics discount with NO CURFEW! On top of this you also gain your No Claims Discount... saving you a huge amount of money! Find out more about our behavioural discounts.

2. If you have been a good driver then we can offer you a telematics discount with the offer of buying back your curfew. Essentially you will not need to be on curfew and you will still get a generous discount.

3. If you have been an "ok" driver then you will still get a telematics discount but you may need to remain on curfew for your second year.

So it really is about incentivising you - the young driver - the better you drive the better the discount and rewards!

Find out more about our learner driver insurance policy and how it can save you money.


Thursday, 5 April 2012

Learner Drivers - Protect Your Car With A Black Box

Did you know that, other than reducing your learner driver insurance premium, iKube's black box could also help to track your vehicle should it get stolen?

Pretty useful really... especially after all that money you or your parents forked out for the car, road tax, provisional insurance and other motoring costs.

This is one of the real benefits of taking out black box insurance - no matter where the car is we can track it. Since the telematics device is installed out of sight it's not obvious that the car has any form of tracking in place at all... so thieves don’t know they’re being tracked.

To find the vehicle we can work with the police to help locate the car as well as the thief (If they've not already scarpered).

How does the device track?

It's simple really - the black box or "telematics" device is essentially a GPS that records data about the drive. It can record a number of elements such as speed, types of roads, location, acceleration and braking patterns.

The key here is "location" - the device can actually track where the car is... thanks to the powerful TomTom GPS unit that is installed as part of all iKube policies.

Whilst many learner drivers may not like the idea of being tracked while they drive this just goes to highlight yet another important benefit of black box insurance.