Five most common driving offences revealed

Gareth Herincx

1 day ago
Auto News

Speeding remains the most common offence on British roads with almost 200,000 people caught between January and March this year alone, according to the latest data.

A Freedom of Information request by leading temporary car insurance provider Cuvva to the Driver and Vehicle Licensing Agency (DVLA) highlighted the top five mistakes drivers made in the first quarter of 2023 that resulted in penalty points being added to their licence.

Most drivers issued with penalty points for exceeding the limit on public roads (156,457) were hit with an SP30 offence code – particularly worrying because speed is one of the main factors in fatal road accidents.

After speeding, the next most common offence was driving uninsured. Despite it being a legal requirement, the data shows a staggering 10,286 drivers took to the road without cover (IN10).

If you are caught driving a car uninsured in the UK, you could be faced with a fixed penalty of £300 and six penalty points. If the case goes to court, you could get an unlimited fine or even lose your driving licence.

In some cases, the police have the ability to seize or even destroy the car that is being driven uninsured.

Using a mobile phone at the wheel (CU80) is one of the fastest rising driving offences (35% up on the same period last year). This reflects a crackdown after changes to the Highway Code last year made it illegal to even touch your phone while driving. That includes browsing playlists when queueing in traffic.

The fifth most-common driving offence that led to penalty points was for car owners failing to give information regarding who was driving their car when an offence was committed (MS90).

Five most common road offences

  1. SP30: Exceeding statutory speed limit on a public road – 156,457 drivers
  2. SP50: Exceeding speed on a motorway – 38,386 drivers
  3. IN10: Using a vehicle uninsured against third party risks – 10,286 drivers
  4. CU80: Breach of requirements as to control of the vehicle, such as using a mobile phone – 7,135 drivers
  5. MS90: Failure to give information as to identity of driver etc – 5,224 drivers

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Motorists beware: Check your driving licence

Gareth Herincx

3 days ago
Auto News

Motorway traffic

More than one in five UK drivers could face a £1,000 fine for driving with an expired licence, a new study suggests.

Research by the car insurance team at Comparethemarket revealed the lack of awareness among motorists regarding the expiration of their driving licence.

More than one in 10 (11.6%) drivers admit they were unaware that their driving licence has an expiry date.

This knowledge gap is even greater among younger drivers, with one in six 17-34-year-olds admitting they were unaware of this.

Nearly a third (32%) of motorists have driven with an expired licence within the last two to five years.

“It’s concerning that our research shows over one in 10 British motorists are unaware that their driving licence has an expiry date,” said Julie Daniels Comparethemarket.

“Continuing to drive with an expired driving licence – knowingly or unknowingly – could land you with a fine of up to £1,000. To avoid serious consequences by having a fraudulent driving licence, it’s vital to renew your licence as soon as it expires.

“Driving licences expire every 10 years, so you should familiarise yourself with the expiry date on your licence and create a reminder to renew it.

“The DVLA will also send you a reminder when your licence is due to expire, so make sure to keep your contact details up to date.”

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What Is Multi-Vehicle Insurance And When To Consider It

If you have more than one vehicle in your household, multi-vehicle insurance could well be the right choice for you. According to a recent study, eight out of 10 UK drivers own at least two cars. Moreover, research from 2020 found that around 8.8 million UK households had two cars, with figures rising. This same number of households could be benefiting from multi-vehicle insurance each year.

If you’re wondering what multi-vehicle insurance is, how it can benefit you and when to consider it, we’ve laid out all you need to know in this guide.

So, what is multi-vehicle insurance?

Multi-vehicle insurance is (exactly) what it says on the tin: it’s a car insurance policy that provides cover for multiple vehicles rather than just one. This policy allows you to insure up to six cars, to be exact.

Under one single policy, you can cover all your vehicles – like cars, vans and motorcycles – meaning you only have one renewal date and set price to worry about each month or year. And although the vehicles all fall under the same policy, they each have their own level of cover.

Multi-vehicle insurance can be tailored to each of your vehicles. Since this policy allows each vehicle to have its own level of coverage, you have the flexibility to decide things like how much excess you’d like to pay on each vehicle. Each vehicle will also have its own no claim discount (NCD), so the NCD on other vehicles won’t be affected if one of your cars is involved in an accident.

If you want multi-vehicle cover for one specific vehicle type, for example, motorbikes only, you can choose a more specific policy like multi bike insurance options to cover all the motorcycles registered to your address.

How it works

Similar to ordinary car insurance policies, multi-vehicle insurance offers protection for you, your vehicles, and other drivers included in the policy. We’ll break down how it works in more detail.

Just like any other car insurance policy, multi-vehicle cover lasts for one year and can be paid in full or spread into monthly instalments across 12 months, if this is an option with your insurer.

Regardless of who a car or vehicle belongs to, any car that is registered to your address can be insured by multi-vehicle cover. Thus, anyone who lives at your address and owns a vehicle registered to your address can be insured on the same policy. If your household has several registered vehicles within its proximity, this cover can be extremely beneficial, less time-consuming, and potentially cheaper than paying for separate insurance policies.

When should I consider a multi-vehicle insurance policy?

When it comes to insuring your beloved automobiles and vehicles, you’re faced with a myriad of options and add-ons – as well as many factors to consider. If your household has more than one vehicle registered to its address, there is no denying that multi-vehicle cover could be the best option for you.

Of course, if you have two cars, having two separate policies might not be too much hassle – but having multiple vehicles to insure and keeping on top of different payments and renewal dates can become very stressful. Multi-car insurance cover allows you to streamline the insurance process and insure all of your cars under one policy with one fixed price and renewal date. Sounds convenient, right?

You should opt for multi-vehicle insurance if you want the most convenient way of insuring multiple vehicles registered to your address. Who wouldn’t love to have their entire household covered under one policy? As well as this, your insurance could end up being cheaper when you choose this cover as opposed to setting up a separate insurance policy for each vehicle registered to your address.

It could be worth comparing the price of insuring all your vehicles individually with the best quote you find to insure all your vehicles under a multi-car insurance policy.

Who is eligible for multi-vehicle insurance?

Anybody who lives in the same household as you is eligible for multi-vehicle insurance coverage – they don’t have to be family. If you live with a friend or partner, multi-vehicle insurance can provide insurance coverage for both of you. This benefits families and couples with more than one car or driver in their household.

Together, you could save money, save time, and enjoy a stress-free approach to insuring your vehicles in one policy. If you’re unsure of your eligibility for this type of insurance policy, check with credible insurers online or look for a quote.

Millions of motorists stop driving during the winter

Gareth Herincx

4 days ago
Auto News

Peugeot-208-driving-n-the-snow

One in five drivers avoid the roads altogether during the colder months due to concerns over slippery roads and limited visibility.

However, anxieties about driving aren’t limited to the winter — with a third (32 per cent) of adults admitting they don’t like driving in the dark all year round.

And 21 per cent of drivers said they dislike driving on country roads the most, followed by motorways as a close second (18 per cent).

While 14 per cent of motorists said city centre roads make them feel uneasy and 13 per cent hate roundabouts.

The research of 2,000 motorists, commissioned by Zego, also found that 62 per cent would not like to be a delivery driver during the winter and Christmas period, especially having to drive in such difficult conditions.

Nearly four in 10 (39 per cent) are planning on doing their Christmas shopping online this year to avoid having to drive to the shops in the winter weather.

A massive 79 per cent said road traffic accidents they have experienced had put them off driving in the winter months, with more than half saying they are more cautious when driving in harsher conditions like heavy rain or snow.

“It is interesting to see how so many people hate driving through the winter months,” said Sten Saar, CEO of the commercial motor insurer.

“There are more cars on the road because of the Christmas period which naturally means there are more accidents. The weather conditions in particular don’t help.

“It is important to be cautious this time of year and to think about those who have no choice but to drive in such conditions because of their job.

“We are proud to insure the couriers who supply and feed us throughout the darker months, working a job many of us would be scared to do.”

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Revealed: Top 20 car theft hotspots

Gareth Herincx

17 hours ago
Auto News

Car crime vehicle theft

Greater London is the car theft capital of the UK by a mile, according to an extensive study by a leading motor insurer.

Co-op Insurance found that the top 10 areas with highest rates of car crime in the UK are all found in London.

Based on the frequency of car theft claims as a percentage of policies in specific areas between 2017 and 2021, the London borough of Islington has the most car theft crimes, while the district of Torridge in Devon has the lowest.

Top 20 UK vehicle theft hotspots (by frequency of claims)

Postcode Area
1 Islington
2 Wandsworth
3 City of London
4 Camden
5 Westminster
6 Redbridge
7 Hammersmith and Fulham
8 Hackney
9 Barking and Dagenham
10 Haringey
11 Waltham Forest
12 Brent
13 Newham
14 Greenwich
15 Havering
16 Birmingham
17 Lewisham
18 Solihull
19 Southwark
20 Epping Forest
Co-op Insurance, 2017-2021

When it comes to which makes and models of cars are most likely to be targeted, the study reveals that it is smaller, lower-priced vehicles that are favoured by thieves.

The three cars stolen most frequently, by volume of total claims over the four years, are the Ford Fiesta, the Honda Jazz and the Ford Focus.

Top 20 postcodes outside London most likely to have a theft (by frequency of claims)

Postcode Area
1 Birmingham
2 Solihull
3 Manchester
4 Dudley
5 Coventry
6 Salford
7 Rochdale
8 Oldham
9 Bolton
10 Kingston upon Hull
11 Wolverhampton
12 Luton
13 Liverpool
14 Walsall
15 North Warwickshire
16 West Berkshire
17 Tameside
18 Bradford
19 Stockport
20 Kingston upon Thames
Co-op Insurance, 2017-2021

“We want to do all we can to help car owners keep their vehicles safe – they can do this by researching car crime levels in their own area and by following some simple steps that will deter a thief,” said Paul Evans, Head of Motor Insurance at Co-op Insurance.

Top tips to beat the car thieves

  1. Think before you park: if your car’s not at home, if possible, park it in a well-lit area, near to people and other cars and somewhere where it can easily be seen, preferably monitored by CCTV or a security patrol.
  2. Wheels at an angle: when parking on the street, make sure your car wheels are facing the curb (unless parking uphill or on a hill). This means that anyone trying to speed off in your car will have to release the steering wheel lock first. It also helps eliminate the chance of a thief towing or pushing your car away to a quieter spot.
  3. Invest in deterrents: something as simple as a visible steering lock can really put a car thief off. If you don’t have one fitted, and you have the resources, consider adding a car alarm, immobiliser, tracking device or dash cam.
  4. Doors to manual: you might think that by clicking your key fob, your car has automatically been locked but increasingly inexpensive remote-control jamming technology can be purchased online which blocks signals to your car: this means you’re unknowingly leaving it completely unlocked and not alarmed. Always make sure to manually check the doors and boot before you walk away.
  5. Avoid temptation: never leave valuable objects such as bags, clothes, sat navs, designer sunglasses, loose change, or mobile phones on display. This could prompt an opportunistic thief to smash a window and take your belongings. Ensure your car looks empty and free from expensive items.
  6. Switch off your engine: don’t leave your car running whilst you nip off to run an errand – you’re making it too easy for car thieves to take advantage of an empty driving seat.
  7. Fuel stations: if no one is sitting in your car, lock it as you go to pay for your fuel otherwise this gives a thief an ideal opportunity to strike.
  8. Be surroundings aware: to avoid being a victim of carjacking, when in slow moving traffic or a traffic jam, lock your windows and doors, place valuables out of sight and remain alert, especially if travelling at night or driving a convertible.

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