The cost of car insurance fell by an average of £80 year-on-year

The cost of car insurance fell by an average of £80 year-on-year

According to data from Compare the Market, the average car insurance premiums for the fourth quarter of 2021 fell by over 11% compared with the fourth quarter of 2020. The key findings, detailed below, also showed that younger drivers could benefit the most by shopping around for their car insurance.

The key findings from data on car insurance premiums from Compare the Market are summarised below:

  • The cost of car insurance fell by an average of £80 year-on-year in Q4 (Sep-Nov) to £640 – the cheapest average price for the three-month period since 2014.
  • The cheapest premium typically available dropped to £537 – so drivers could save an average of £102 by switching to a better deal instead of auto-renewing with their existing provider.
  • Young motorists could benefit from the biggest savings by switching car insurance. The average premium for drivers aged under 25 stands at £1,205 (September – November 21). However, if young drivers shop around for the cheapest deal when their policies come up for renewal, they could typically save £298 by switching.


Average Premium

Cheapest quoted premium

Price Difference

Sep – Nov 21




Sep – Nov 20




Drivers can use’s premium tool to check if they are paying too much for their insurance based on their age, location, and the value of their car.

According to data from Compare the Market, the average car insurance premiums for the fourth quarter of 2021 fell by over 11% compared with the fourth quarter of 2020. The key findings, detailed below, also showed that younger drivers could benefit the most by shopping around for their car insurance.
‘Crash for cash’ scams on the rise, Insurance Fraud Bureau claims

‘Crash for cash’ scams on the rise, Insurance Fraud Bureau claims

According to the Insurance Fraud Bureau (IFB), 170,000 claims linked to potential ‘crash for cash’ scams were recorded last year.

‘Crash for cash’ scams are orchestrated by involved drivers or pedestrians who plan accidents to catch out innocent motorists on the road. The perpetrators then make injury claims and file for fake injury compensation.

New variants of the scam are frequently emerging, ranging from dangerous collisions caused by fraudsters to fabricated papers or vehicle damage carried out by the scammers themselves.

Motorists have also been warned about the rise in pedestrian scammers, with increasing numbers of pedestrians throwing themselves into slow-moving traffic in the hopes of pinning the blame on innocent drivers.

Due to the number of suspected ‘crash for cash’ claims recorded per year, the accumulation results in claims worth millions of pounds, as well as an increase in insurance costs for innocent parties.

A 2019 estimation suggests that ‘crash for cash’ scams cost insurers around £340million per year.

In commenting on the criminal gangs involved in perpetrating these ‘crash for cash’ crimes, James Dalton, director of general insurance policies at Association of British Insurers (ABI), said:

‘These criminal gangs are often highly organised and put lives at risk.

‘The amounts that they fraudulently claim can be huge and can impact on the motor premiums paid by honest motorists.’

The ABI also gave motorists an insight into the various ways in which scammers are orchestrating these accidents for maximum effect:

‘The criminals cause the accidents in a number of ways, including disabling their brake lights to cause the car behind to run into them; slamming on the brakes for no obvious reason, flashing their lights at a junction to let you out, then crashing into you deliberately; or working in conjunction with other drivers in front of them.’

Unfortunately, the ABI also suggests that it is vulnerable road users who are most at risk of being caught up in one of these dangerous scams:

‘Crash for cash fraudsters often target vulnerable road users, who are under time pressure or do not want to cause any trouble.’ However, ‘ultimately, fraudsters harm all law-abiding motorists.’

Victim of a ‘crash for cash’ scam, Freddie Lovejoy commented on his experience after he was forced into a collision on the A1:

‘You never expect a crime like crash for cash to happen until it does, and I would strongly recommend drivers read up about it,’ he warned.

‘There can be physical and mental impacts when involved in a car accident, and to think criminals do it on purpose is scary.’

‘Crash for cash’ scams on the rise, Insurance Fraud Bureau claims

[Image Source: Shutterstock, May 2021]

‘Crash for cash’ prevalent in Birmingham and Bradford

A recent study conducted by the Insurance Fraud Bureau has revealed 30 postcodes in which ‘crash for cash’ scams are most prevalent, with Birmingham and Bradford coming out on top.

Other popular hotspots include Walsall, Blackburn, Romford, Manchester, Luton and Leeds.

IFB Director, Ben Fletcher, commented: ‘The IFB’s hotspots analysis is a stark reminder that although great strides have been taken in tackling the problem, these car crash scams are all too common.

‘As traffic levels return to normal following the national lockdown, crash for cash fraudsters may look to make up for lost time.

‘It is hoped that by shining a spotlight on the issue, we encourage road users to be alert and report any suspicious activity to the IFB’s Cheatline.’

With further rises in ‘crash for cash’ scams expected as restrictions lift and roads become busier, the ABI has released updated guidance for what to look out for on the roads in the event that motorists believe they may be being targeted:

  • Warning signs, i.e. cars travelling unusually slowly or slowing down quickly multiple times
  • Suspicious activity after the accident, i.e. an unusually calm driver with pre-written insurance details or unexplained injuries

 The ABI also suggests motorists should ‘always maintain a safe distance between you and the vehicles in front of you’ to make you a less easy target and, in the event of being involved in an accident, ‘take notes of all relevant information including the driver, passengers and any other circumstances and take photos of the scene if it is safe to do so.’

If you suspect you may have been targeted, call IFB’s Cheatline on 0800 422 042.

 Have you been involved in a suspected ‘crash for cash’ accident? Are you concerned that you may be targeted due to the rise in such crimes?

Let us know in the comments.

Drivers think electric vehicles are too expensive, study reveals

Drivers think electric vehicles are too expensive, study reveals

A recent study conducted by the AA has revealed that a large percentage of drivers still believe electric vehicles are too expensive, putting them off making the switch.

The study asked over 15,500 drivers to give their opinion on electric vehicles, with a colossal 81% stating that they thought an electric vehicle would be ‘too expensive’ for them to buy. Many were also unaware of the government support available for drivers looking to purchase an electric vehicle in the form of a Plug-In Car Grant (PICG).

The grant scheme knocks £2,500 off the original price of an electric vehicle, as long as the listed price is £35,000 or below. The grant previously stood at £3,000 but has recently dropped to reflect the current economic situation.

Despite government efforts to push this scheme, 63% of drivers asked in the AA study claimed they had ‘never heard’ of the Plug-In Car Grant at all.

The AA suggests this could be because dealerships take the grant into account and automatically remove it from the listed price, leaving drivers to assume that this is the total cost. However, this has meant that the incentive purpose of the grant is failing to have an effect on those considering a switch to electric vehicle.

The AA believes that the lack in uptake of electric vehicles comes down to a lack of education. Drivers assume electric vehicles are expensive and aren’t actively told otherwise, so, therefore, continue to put off changing their vehicle. It also picks up on the fact that drivers have been used to petrol and diesel vehicles for so long that a change could feel daunting.

Edmund King, AA president, says:

‘After more than a century of the combustion engine leading the charge, it is not surprising that some drivers are only just catching up with all things electric.’

He also alluded to a new scheme that has recently been put into place to serve the purpose of electric vehicle ‘myth-busting.’ The scheme involves a partnership between the AA, electric vehicle review site and transport minister Rachel Maclean. The scheme will play a part in educating motorists on the topic of electric vehicles, allowing them to make an informed decision when it comes to their own vehicle.

‘We are here to help petrol heads become electric heads,’ says Mr King. ‘We are delighted to join with and the government to bust some of these myths.

‘The AA is determined to give power and support to all EV drivers and potential EV drivers. As the number one recovery company for EV drivers with more trained EV capable patrols than anyone else, we are here to help. The automotive future is exciting, and we will probably see more change in the next ten years than we have in the last fifty.’

Drivers think electric vehicles are too expensive, study reveals

[Image Source: Shutterstock, May 2021]

Electric vehicle pricing isn’t the only deterrent for motorists

While the perceived high price of electric vehicles may be the main deterrent to those considering an electric vehicle switch, other factors are also at play.

The same AA study confirmed that motorists had limited knowledge of electric vehicle charge points, how these work and the government provided support in place to quell these concerns.

The study revealed that 50% of those asked were unaware of the Electric Vehicle Home Charging Scheme. This scheme covers up to 75% of the cost of purchasing and installing a home charging point, with £350 being available to each household.

There were also concerns raised about the capabilities of electric vehicles within the research. For example, a concerning 77% of motorists believe that a fully charged electric vehicle will be unable to travel as far as petrol or diesel vehicles with a full tank.

To add to this, 59% of drivers think that having to charge an electric vehicle is inconvenient with charge times being too long, while 56% revealed that they were concerned about the reliability of the UK’s charging infrastructure.

To conclude the study, 56% of drivers stated that they would be ‘unwilling’ to swap their petrol or diesel car for an electric vehicle due to feeling ‘less confident’ about driving an EV.

It seems that without a ramped up electric vehicle education scheme, these statistics could put the government’s plan to ban the sale of new petrol and diesel vehicles by 2030 in jeopardy.

Are you concerned about the high prices of electric vehicles? Do you share the same concerns as those revealed in the AA study?

Let us know your thoughts in the comments.

New E10 fuel could cause catastrophic damage to classic cars

New E10 fuel could cause catastrophic damage to classic cars

From September, filling stations will switch to E10 petrol – a greener alternative in line with the government’s plan to cut emissions. However, motorists are being warned that E10 is incompatible with some vehicles, including classic cars.

It is expected that the introduction of E10 petrol on UK roads will serve to reduce transport CO2 emissions by up to 750,000 tonnes per year. Still, there is growing concern over the number of motorists who will be excluded from this new scheme due to the incompatibility of their vehicles.

E10 has the potential to corrode brass, copper, lead, zinc, rubber, plastic and fibreglass, all of which are commonly found in older vehicles. And it’s not just classic cars at risk either.

Studies show that even vehicles built in the early 2000s may be negatively affected by E10. These drivers have been warned against using E10 to fill up their vehicles until it has been confirmed that it is safe to do so.

Instead, motorists with older vehicles or classic or cherished cars will need to use the more expensive super unleaded petrol, as this will be the only maintained source of E5. Its price currently stands at 136.2p-a-litre, 14p more than standard petrol.

It is thought that this will have the most significant impact on lower-income drivers who may not be able to afford to replace their older model vehicle. Instead, they will have to fork out up to £7.50 more to fill up their tank with E5.

However, AA president Edmund King has suggested the switch to E10 will be more costly for all motorists, not just those with older vehicles:

‘Introducing E10 will add to fuel costs paid by motorists. Moving from E5 to E10 is estimated to reduce pump price petrol costs by 0.2 pence per litre. However, as the energy content of the fuel will also decrease, motorists will have to buy more litres of fuel. Overall fuel costs for petrol cars are therefore estimated to increase by 1.6% as a result of moving from E5 to E10.’

Simon Williams, spokesman for the RAC, also commented:

‘The switch to E10 petrol is clearly good news for the environment and will not affect the vast majority of the UK’s 33 million car drivers although some may see the number of miles they get from a tank go down as research suggests E10 is potentially slightly less efficient.’

Despite the environmental positives E10 will provide, Edmund King suggests that the increased prices and incompatibility with some vehicles has the potential to ‘rub many drivers up the wrong way.’

New E10 fuel could cause catastrophic damage to classic cars

[Image Source: Shutterstock, April 2021]

Will your vehicle be compatible with E10?

According to research thus far, the following vehicles may be incompatible with E10:

  • Classic and cherished vehicles
  • Older vehicles, particularly those built before 2000
  • Mopeds with an engine size of 50cc or under

Because of this, the Department for Transport is suggesting motorists use their new E10 Vehicle Compatibility Checker before September to avoid potential damage to their cars.

An investigation conducted by Hagerty UK – representatives of the classic car community -warns that ‘the introduction of E10 is the most significant threat to old cars since the switch from leaded to unleaded fuel.’

Unfortunately, however, the petrol retailers Association suggest that it will be up to older car owners to make modifications to their vehicle if they wish to use E10 petrol, rather than the more expensive super unleaded alternative:

‘You’ve either got to use fuel with no ethanol or change the materials that don’t like it. If you are in any doubt about your rubber fuel lines, change them. Get rid of your fibreglass petrol tank and install an aluminium one. The other thing ethanol really doesn’t like is solder. If you are running a soldered float in your carburettor, then think about carrying a spare – they’re generally quite easy to change,’ says Guy Lachlan, Managing Director of Classic Oils.

With potential modifications or increased fuel prices in mind, Hagerty UK has said that they ‘call on the Government and Petrol Retailers Association to accelerate information campaigns for drivers and riders. There may be extensive mechanical modifications required by some models, which can be a costly exercise – during an already challenging economic environment.’

Do the environmental benefits of E10 outweigh the potential risks to classic cars? Are you concerned that your vehicle will be incompatible with E10 petrol?

Let us know in the comments.

Supermarket giant leads the way for electric vehicle charge points

Supermarket giant leads the way for electric vehicle charge points

Electric vehicle charge points have been installed at over 600 Tesco stores by the UK’s largest free electric car charging network, Pod Point.

The charge points have provided users with over 10 million miles of carbon-neutral motoring, studies reveal, and are working as part of the government’s ‘build back greener’ scheme, designed to cut carbon emissions.

Tesco’s partnership with Volkswagen and Pod Point has recently resulted in providing its 500,000th free top-up, a colossal achievement that has been welcomed by transport secretary, Grant Shapps:

‘As we accelerate towards a cleaner and greener transport future, it’s great to see one of Britain’s most iconic household names leading the way with electric vehicle charge points.

‘In the time it takes to pick up the groceries, drivers up and down the country can now quickly and easily charge their cars, and with £2.5bn of government support to encourage their take-up, there has never been a better time to switch to an EV.’

Further research into the effects of the partnership also reveals that the scheme has served to reduce carbon emissions by approximately 2,120 tonnes. James Robinson for the Mail Online suggests that this is ‘the same as or more than 2,770 acres of forest will manage in a year.’

Clearly, this is a huge step forwards for the transport industry and shows the extent of their efforts to do their part to cut carbon emissions. Director of Volkswagen, Andrew Savvas, commented:

‘Our partnership with Tesco and Pod Point emphasises our commitment to carbon-neutral mobility for all, and we’re delighted to have reached this milestone – helping owners of all-electric car brands top up with free renewable energy while they’re doing their grocery shop.’

Supermarket giant leads the way for electric vehicle charge points

[Image Source: Shutterstock, April 2021]

Tesco’s busiest electric vehicle charge points

While over 600 Tesco stores now have free charge points, several have proven to be the busiest, indicating a higher up-take of electric vehicles in these areas. The top 5 busiest Tesco charge points were located in Slough, Stourbridge, Crawley, Altrincham and Bromley by Bow. These were closely followed by other areas such as Watford, Orpington and Hampshire.

It is clear that electric vehicle owners in locations up and down the country are making the most of these free charge points.

Chief operating officer at Tesco, Tony Hodgett, commented on the overall purpose of the partnership:

‘We are committed to reducing carbon emissions in all our operations and aim to be carbon neutral in the UK by 2035.

‘As part of this, we want to encourage our customers to play their part with the rollout of free-to-use EV chargers to 600 of our stores.

‘Providing customers with charging points offers them a sustainable choice, and giving them the opportunity to charge their car for free while they shop is a little help to make this easier.’

While Tesco’s partnership with Volkswagen and Pod Point is proving to be a positive contributor to cutting emissions, experts believe that charge point rollout is not in keeping with increased demand.

In fact, What Car? editorial director, Jim Holder, suggests that the number of charge point devices available needs to be at least 10- or 20-times that the current levels to cope with frequently increasing demand.

A report conducted by the Policy Exchange think-tank reveals that the number of public charge points currently stands at 35,000. They suggest that this will need to increase to 400,000 by 2030 to keep up with demand, especially when considering electric vehicle numbers in the UK currently stand at 108,205. This is already an increase of 185 per cent compared to 2019, highlighting the rate at which demand for charge points will accelerate in the coming years.

Despite this challenging statistic, however, Tesco’s partnership with Pod Point is leading the way for the challenge to be met:

‘The partnership is making great strides towards our goal of delivering the nation’s largest retail EV charging network – one that is reliable, accessible, secure and free, making it even easier for drivers to choose electric and accelerate adoption,’ says Pod Point Founder and CEO, Erik Fairbairn.

The UK has a legal target to reduce greenhouse gases to ‘net zero’ by 2050, and it seems that partnerships such as these will pave the way for that goal to be met.

Have you charged your electric vehicle at a Tesco charge point recently? Will Tesco’s partnership with Pod Point encourage you to make the switch to an electric vehicle?

Let us know your thoughts in the comments.

London’s congestion charge causes pollution levels to climb

London’s congestion charge causes pollution levels to climb

London’s congestion charge – designed to reduce levels of traffic and thus harmful emissions – appears to be having the opposite of the desired effect, a study shows.

Professor Colin Green and his colleagues at the Norwegian University of Science and Technology have studied pollution levels over London since the introduction of the charge in 2003. They have found that the levels of some pollutants, such as the harmful nitrogen dioxide, have risen by up to 20%.

Professor Green suggests that this is due to the increased usage of buses and taxis, both of which are exempt from the charge:

‘To get people onto public transport, the buses and black cabs were exempt from the charge,

‘Bus departures and routes were expanded after introducing the charge in the city centre. Bus and taxi traffic increased by more than 20 per cent.

‘The problem was that all the buses and London taxis ran on diesel.

Unfortunately, despite a reduction in some pollutants, the increased levels of nitrogen dioxide are a real cause for concern.

Nitrogen dioxide occurs with the burning of fossil fuels and can be dangerous or even fatal if concentration and exposure levels are high. It is a particular concern for high-risk groups such as people with asthma, children and older adults.

Nitrogen dioxide also works to trap heat, having a detrimental impact on the environment and the planet overall.

Professor Green highlights the issues with nitrogen dioxide in the study by stating:

‘Fifty thousand people are estimated to die prematurely in the UK every year due to air pollution,’ states Professor Green.

‘Before the coronavirus, exhaust was the fastest-growing cause of death globally.

‘In fact, researchers in Germany have found that exposure to exhaust leads to a sharp increase in coronavirus mortality.’

With this in mind, motorists and experts alike have begun to question whether the congestion charge – which currently stands at £15 per day – can be justified if it is not having the desired effect. Professor Green goes as far as to suggest the congestion charge scheme was flawed from the start:

‘In London, there are hardly any electric cars or buses that run on environmentally friendly fuel,

‘A tax in the most congested areas without any measure to reduce the number of diesel vehicles hasn’t had the desired effect on air quality,

‘Reducing traffic isn’t the same as reducing air pollution.’

‘We argue the NO2 increase likely reflects the incentives that the charging scheme provided to shift towards diesel-based transportation.’

The study suggests that while the government is putting into place newer schemes to drive down emissions and improve air quality across the country, older schemes should be reviewed to ensure they are in keeping with the overall mission.

London’s congestion charge causes pollution levels to climb

[Image Source: Shutterstock, April 2021]

The congestion charge may not be working, but what is?

While London’s congestion charge may not be driving down pollution as much as was once predicted, the government are frequently putting other schemes into place to help cut emissions and improve environmental health.

The first of these began with the Paris Agreement back in 2015 – an international agreement to ensure the increase in global temperature does not exceed 2 degrees Celsius.

This served to kick start other schemes: the government’s announcement to become carbon neutral by 2050, for example. This includes planting more trees and installing ‘carbon capture’ technology to reduce emissions.

Following this, the government announced that the sale of new petrol and diesel vehicles would be banned by 2040, before bringing this date forward by a decade to 2030. Within this are multiple schemes to encourage motorists to switch to electric vehicles, including electric vehicle grants and investment into public charge point technology.

While it is clear that the government is going above and beyond to ‘build back greener’, some environmental experts believe it is not enough. The congestion charge study has only served to support this belief further.

Tanya Steele, Chief Executive at WWF, claims that the government is: ‘out of touch with the scale of the climate challenges and that not enough is being done ‘for people and for our planet.

‘To avoid catastrophe, we need a low-carbon, nature-powered recovery – and we don’t have many chances left.’

Do you think the congestion charge is justified, or is it a flawed scheme that needs reworking? Is the government doing enough to reduce emissions and decrease levels of pollution?

Let us know your thoughts in the comments.