Car insurance has may have reduced by 9.8 per cent from last year to an average price of £736, but the costs are still extraordinarily high and for young people, the figure is far more shocking.
But will car insurance ever come down lower than it already is? Or will it simply keep rising?
Edmund King, President of The AA, said: “Cars are becoming safer. They’re becoming more reliable. Their crash worthiness is better. If we can also improve the drivers through better training, if we can improve the roads by better road design, if all those things are done, technically, insurance should come down because there should be fewer collisions, less serious collisions, less life-threatening collisions. But who knows with insurance? It always seems to go up.”
Mr King said there are a number of anomalies with car insurance. “Women traditionally and currently are our safest drivers,” he explained. “They have fewer collisions per mile travelled and yet because of a European ruling, insurance companies are not allowed to discriminate in favour of women. One way around it though, is pay-as-you-drive insurance because that is based on your actual driving. So if you drive more safety and you don’t speed and don’t accelerate harshly, your premiums will come down. So female drivers, in particular who do tend to be safer could actually benefit from pay-as-you-go insurance.”
Asked if pay-as-you-drive insurance could actually end up costing the driver more than ordinary insurance, Mr King said: “Well, pay-as-you-drive is just that. It’s based on how you drive so if you are a drive that takes risks and do speed and do have collisions, it will put up your premiums.
“But then, ordinary insurance goes up if you have a collision because you lose your no claims bonus. So the best way to keep your insurance down is to do further driver training, be safer on the road and try to avoid having collisions in most places.”
Comments Sign in or Register to leave a comment Related Articles // More Like This AA president Edmund King on deadly potholes The AA’s president Edmund King had his Mercedes E-Class wrecked by potholes earlier this year, as he was filling it with petrol in the Hertfordshire town of St Albans, when the whole front of the esSkipping red traffic lights to let emergency vehicles through is ‘common sense’, says AA President Edmund King Here’s a situation many drivers are faced with at least once a year: you hear an emergency vehicle, you look in your mirrors and it’s speeding towards you. But you’re at red traffic lights, right atEdmund King and Kevin Clinton urge motorists to drive slower to avoid repeat of 2012’s six Christmas Day road fatalities As we approach Christmas Day, an occasion which should be enjoyed with family and friends, a joyful time of year when millions across the UK, Europe and the rest of the world celebrate the festiviti 123 « Previous ArticleNext Article » News 24/7 MotorTrades Insight are now official news providers for NewsNow. Top Stories // This Week Show Stories For: > ---2014--- February January ---2013--- December November October September August July June May April March February January James Hunt's Hesketh 308 could make £537,000 at upcoming RM Auctions Monaco sale. Hesketh Racing was formed in 1972 by the British Peer, Lord Alexander Hesketh, who was a keen motorsport enthusiast with a desire to compete in the sport at the highest level. After two seasons... Kia receives environmental badge for use of bio-based plastic in new Soul electric vehicle. Kia has revealed that the company’s new Soul EV (electric vehicle), which will have its world premiere at the 2014 Chicago Auto Show starting later this week, has achieved UL Environment validation ... Crash tests show India's cars are unsafe and in the dark ages compared to Europe. Britons are lucky to be driving some of the safest cars in the world. In other parts of the world, safety standards are not so high. Every day, 380 lives are lost on the roads of India. It's a blood... European autonomous driving research project 'AdaptIVe' begins. The European research project AdaptIVe (Automated Driving Applications & Technologies for Intelligent Vehicles) has begun at the MobileLifeCampus in Wolfsburg, Germany. It is a consortium o... New Vehicle Collision Repair Qualifications brought in to recognise skills of mechanics and bodyshop workers. Two new IMI Awards qualifications have recently been introduced, targeted at the body repair sector. The level 2 and level 3 Multi-skilled Vehicle Collision Repair Qualifications cover paint, p... New 70mpg C-Class C 220 BlueTEC will cost around £30,000, Mercedes reveal. The new C-Class C 220 BlueTEC will cost from £30,865 for a 7-speed automatic. It has 170hp, accelerates from zero to 62mph in 7.7 seconds and has a claimed combined fuel economy of 70.6mpg.&nbs... F1 Pictorial Comparison: McLaren MP4-28 vs McLaren MP4-29 - the bizarre intricacies of dolphin noses, crazy curves . After McLaren confirmed the departure of Paddy Lowe to Mercedes F1, Tim Goss was appointed Director of Engineering for the Woking-based Formula One team. In the past, he was Chief Engineer for ... FIRST DRIVE REVIEW: Volvo V60 D4 R-Design Nav Geartronic. This is arguably the sexiest looking Volvo estate ever created. And the colour, Rebel Blue, says what Volvo and Swedish design is all about. We test drove the Volvo V60 D4 R-Design Nav last wee... Personal photograph taken by Michael Schumacher to be auctioned for Great Ormond Street Hospital. A personal photograph taken by Michael Schumacher is to be auctioned in London this Friday to raise funds for the Great Ormond Street Hospital Children’s Charity.The image of a boat on a lake taken ... New Vauxhall Astra gets cleaner 1.6-litre engine with a combined fuel economy of 76.3mpg. The top-selling Astra is now available with a super-smooth new generation 1.6 CDTi engine, Vauxhall’s cleanest ever mid-size diesel.Previously only available on the Zafira Tourer and the Meriva, the... New cars are 27 per cent more fuel efficient than in 2008, as car sales rise in January. New car registrations were up in January, with the UK automotive industry expecting to see 'moderate, sustainable growth in 2014', according to SMMT Chief Executive Mike Hawes.Buyers are increasingl... Company Info // Get in Touch © Motortrades Insight Limited 2012 - 2014 Tel: 0844 656 1808 Email: accounts@motortradesinsight.co.uk Motortrades Insight Limited trading as motortradesinsight.co.uk Registered Address The Coach House Baddow Park West Hanningfield Road Great Baddow Chelmsford Essex CM2 7SY Company Reg: 07302221 VAT No: 120173663 Links // On The Web >> >> Subscribe to Mailing List >> Advertise on Motortrades Insight >> Motorsport News >> >> Motoring Industry News >> Blog >> Used Car Buyers Guide >> Link To Us >> Ratecard >> Privacy Policy >> Terms and Conditions >> Disclaimer Twitter // Follow Us Cookies on Motortrades InsightLike many popular websites, Motortrades Insight uses some third party widgets that may set and may have already set cookies, for example the Twitter feed on our homepage. For more information see our cookie policy. By clicking close and continue you agree to our use of cookies.