The UK Government has declared war on the private motor insurance market.

The Government has yet to decide who the enemy actually is, although one ethnic group ‘CFA referal collectors’ have been singled out for the death camps and news coming out of Westminster today confirms this.

The call for the ‘War on Car Insurance’ from the media and consumer led groups has reached deafening proportions recently and the UK Government will tell you they have been forced to act.

The AA have stated that the ‘average’ car insurance premium has risen by 40% and on the word of the AA and probably as a deflection away from the more pressing economic issues, battle has begun.

Government Forces Attack

First into battle yesterday for the Government, was the consumer watchdog the OFT (Office of Fair Trading). They have been asked by HQ to find out if the price rises are real and whether there are any (choke) anti competitive practices occuring in the UK private motor insurance market that may be pushing up prices.

To do this they have initially asked those thought to be contributing to the high costs of car insurance and will then ask the nation to contribute in an open call to arms, to publically air their grievances on car insurance price hikes, by filling in a form.

The OFT has asked all the suspects to contribute to the war effort or else stand accused of being part of the problem not the solution to higher car insurance premiums.

Most Wanted Suspects

1.  Price Comparison  Websites

2. Replacement Vehicle and Car Hire Companies

3. Approved Motor Vehicle Repairers.

4. Insurance Companies Products.

None of the major suspects is being pulled in for interrogation at this point in time. They have been given 5 weeks until October 12 to comply with the resolution or face shock and awe.

A spokesperson for the regime said’

“We will be engaging with participants in this market, trade bodies, the Government, regulatory agencies and consumer groups over the next five weeks by issuing information requests, arranging roundtable discussions and holding bilateral meetings.

Information requests:

• Questions for credit hire providers (pdf 96 kb)
• Questions for insurance companies (pdf 157 kb)
• Questions for vehicle repairers (pdf 97 kb)
• Questions to price comparison sites (pdf 93 kb)

We will also be inviting comments from consumers and other interested parties. The OFT is, however, unable as part of this study to address or advise consumers in this market on individual matters or complaints.

Any party that wishes to submit their written views, can e-mail motorinsurance@oft.gsi.gov.uk by 12 October 2011 or write to:

Private Motor Insurance Call For Evidence
Fourth Floor
Office of Fair Trading
Fleetbank House
2-6 Salisbury Square
London EC4Y 8JX “.

Second Front Opens with Pincer Movement

As soon as the OFT went into battle yesterday, it was immediately announced that the Government were opening up another front with a full out attack of its heavily armed praetorian guard, the FSA, against those supplying information to the enemy in return for money.

The practice is to be banned immediately it has been confirmed today, indicating that the government will take the side of Insurers against Lawyers. Questions of the legality of the war and the interfering with free trade could be raised at the international courts at a later date.

Tensions between Solicitors and Insurance Companies have been rising steadily over the last few years with Insurers furious about having to pick up massive bills for professional negligence by solicitors involved in mortgage and building surveying disputes. In many cases Solicitors PI premiums have been raised so high that many solicitors are now finding it impossible to practice.

Coupled with the massive amounts that the insurance companies are having to pay against public liability and employers liability claims for negligence, it appears the Insurance companies have finally had enough.

The number of car accidents involving personal injury claims is 31% down on the average for ten years prior, however the cost of personal injury claims has more than doubled from £7bn to £14bn in the past ten years and motor insurance premiums have risen at least 30% this year.

Insurance companies are blaming Conditional Fee Arrangements (CFA’s) or ‘No Win No Fee’ for the rising costs of car insurance. They argue that there is no disincentive, such as having to pay if you lose, that’s stops people making a claim if you have been injured in a car insurance accident.

The Government has stopped going as far as banning CFA’s completely, which would seriously impede that right to justice for the majority of the people in this country who cannot afford solicitors bills of £180 per hour +.

Today it has announced that those referring accident injury victims to solicitors and lawyers will be banned from receiving payment!

It also seems that the special relationship that UK Insurance companies have with UK Government through the ABI etc. appears stronger than that of the Law Society and Solicitors Regulation Authority (SRA) who traditionally only find allies in the other place, the House of Lords.

It also appears that the Government think that the Insurance Companies, who set the car insurance prices, are not actually responsible for their own pricing!

Insurance Blog will keep you abreast of all the developments as the war on car insurance unfolds. We will also be running a series of posts that examine in detail the questions being asked of the Motor Insurance Market.

Related posts:

1. Solicitors Are To Blame For Car Insurance Premium Hikes!
2. Car Insurance and Motor Insurance premiums reach record levels
3. FSA To Clampdown On Insurance Selling On The Internet In The UK

Part Eight: The emergence of Lloyd’s as the worlds major insurance organisation:

In the previous article in this series we learnt about the humble beginnings of Lloyd’s as a relatively small coffee shop on Tower street. Whether it was an incredible piece of foresight or simple luck Lloyd developed a very specific clientèle of sailors, ship owners and merchants for boat insurance and marine cargo insurance risks.

Lloyds wasn’t the only coffee shop to do insurance business but it set the standards. In 1748 nearly one hundred houses including the famous coffef houses of Jonathan’s, Garraways and others were destroyed by a fire that ravaged Cornhill and in which scores of people perished and damage to the exent of £200,000 (nearly 200million in todays money) was caused. This event and another in the Cornhill when it was again destroyed by fire in 1765, left Lloyds in a prominent trading position.

It is evident however, that Lloyd cultivated this customer base by providing reliable and regular updates on the shipping news to those that visited his coffee house and soon Lloyd’s had established itself as a focal point within the very heart of the Shipping industry.

It was therefore inevitable that the coffee shop also quickly became a second home to a number of early insurers seeking to business with the Lloyd’s clientèle. Similarly it soon became accepted that if you were a merchant seeking insurance, then Lloyd’s was always a recommended first port of call. In fact within just three years Lloyd’s had grown to a level of importance and popularity that a new location was required and Lloyd moved his coffee shop to Lombard St – where it would remain for the next 83, years long after Lloyd himself had passed away.

As Britain established itself as a leading economic power through the exploitation of the slave trade, the shipping industry was at the heart of this economic boom. As slave trading was a high risk trade (1053 slave vessels are recorded as having been lost between 1689 and 1807) the insurers of Lloyd’s also found themselves in high demand.

Lloyd himself died in 1713 however his legacy remained strong.

In 1774 when the participating members of the insurance arrangement formed a committee and moved to the Royal Exchange in London, they became The Society of Lloyd’s. The Society’s objectives included the promotion of its members’ interests and the collection and dissemination of information amongst members helping them to further dominate the marine insurance industry which indeed they had created.

The first Lloyd’s act was passed in parliament in 1871 and it was this act that gave the Society a firm footing both  commercially and legally and it continued to remain at the heart of the insurance industry, growing in tandem with the industry to eventually become one of the most powerful and well respected organisations in the world today.

In fact in many ways very little of Lloyd’s of London then changed for almost a century and this is even true of their motor insurance risks department. The membership of the society, which was made up in the main of market participants, became the market specialists. Lloyd’s continued to grow, and it’s members continued to flourish, mostly due to the force of economics. Insurance moved from being desirable to essential across just a few centuries. If you were in shipping you needed marine insurance. If you needed marine insurance you got it from Lloyd’s. It was as simple as that.

However, eventually the bubble had to burst. Just under a hundred years after the first Lloyd’s Act had been passed, the membership of Lloyd’s was realised to be too small for the risks that it was underwriting. The Cromer report commissioned in 1968 advocated opening membership options to both non-market participants and crucially to non-British subjects for the first time.

The insurance industry had become a global industry and Lloyd’s had to adapt to survive. In the next article in this series we shall explore the rise of insurance in the US and how they too had to adapt to the globalisation of the industry within the twentieth century.

Related posts:

1. A Brief History of Insurance: Part 7 Lloyds and the London Market
2. A Brief History of Insurance: Part 1 The Ancient World
3. A look at Lloyd’s Insurance Market

Old and no discount!

Insuranceblogger has always lived in a city close to bus and train routes so I never felt the need to learn to drive. It wasn’t that I didn’t want to drive I did , but life moves so quickly and before I knew it, I was reaching my forties and  I still had not taken any driving lessons. As public transport was not as frequent and with train prices escalating I treated myself to a driving course and I loved it!

I passed my test with flying colours. Couldn’t believe it first time!

Passing your test is fantastic, but reality hits home when you find out the real cost of driving especially purchasing car insurance, when you are not entitled to no claims bonus. No claims bonus is a way insurance companies reward their customers for not claiming in the year. The more accident free years the larger the discount. I knew that new drivers had to pay more, but I had wrongly assumed that this only affected the youth of this world not me I was nearly forty! My days of fast cars and driving at high speed were long gone I just wanted to be able to get from A to B in my little car.

Luckily, I spoke to a member of my family. He has just passed his test and had found it really expensive to purchase car insurance. He told me that he had taken an extra driving course arranged by the Driving Standards agency and had saved himself a fortune.

When the driver successfully completes the course, the Driving Standards Agency sends a certificate to the driver so that they are able to claim their car insurance discount.

That course can be taken at anytime through the drivers driving career, but it is mainly aimed at new drivers in the first year after passing their test. If the driver has passed their test more than a year ago then it is worth checking first with the car insurance companies if discounts are still eligible.

The problem with learning to drive is that you are taught the basic skills of reversing gears etc but real driving experience comes with time. Do you remember the first time you drove on a motorway? The first time can be pretty daunting!

The Pass Plus scheme is a scheme arranged by the DSA (The Driving Standards Agency). They provide a structured syllabus which gives the person who has just passed their test extra experience they need at a time when they are most likely to have an accident. It concentrates on weather conditions, driving on dual carriageways and motorway driving was really useful. I could not believe how different it is to drive in the dark. I had always had my driving lessons in my lunch break. I even got used to driving on little country roads as well as town roads.

If you are looking for a Christmas present for a new driver young or old , then this is the ideal present. It provides further driving proficiency with the added bonus of saving the driver money on car insurance.

Visit New Driver Insurance to compare quotes from car insurance companies offering discounts for the pass plus scheme.

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1. UK Public Demand Cheaper Young Drivers Car Insurance
2. How to get Car Insurance if your are under 25
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FOR IMMEDIATE RELEASE

PRLog (Press Release) – Aug 12, 2010 – The car insurance television review panel, which is widely regarded amongst industry peers as the toughest and perhaps more truthful of the on-line car insurance review websites,  has unusually come out strongly in favour of two aggregator websites which compare car insurance quotes in separate independent reviews released this week.

The review team praised the small independent car insurance comparison website Quotezone.co.uk and the ubiquitous Moneysupermarket.com , however the praise was for differing reasons.
Moneysupermarket received the thumbs up from the public for it’s speed and overall ease of use and one stop shop facilities.

Smaller rival of the car insurance supermarket giant, Quotezone.co.uk received great praise for the prices of the premiums returned and the value for money of the deals  and as such may well help the fledgling website’s cause in vying for the lucrative Insurance Times and Insurance Industry media award of car insurance comparison website of the year.
Quotezone are a relatively new entrant to the scene who will be making a big splash later this month with the launch of their first Car Insurance television advert across UK  TVscreens.
Quotezone are unique in the market in that like the aggregators they return quotes from all the mainstream car insurance companies, however the majority of the quotes offered come direct from car insurance brokers. These brokers are able to price match or offer better deals and better cover than the system limited larger car insurance price comparison websites.
Keep a  look out for this comparison system when you are shopping online for car insurance this year!

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The role of a car insurance broker traditionally, is to act as an intermediary between the customer and the underwriting Insurance Company. Within this role there are various functions that they carry out in interaction both with the car insurance buying public and the Insurer with who they place the business.

When a broker places car and motor insurance risks on cover, their role has a major difference to other types of insurance in that the spread of risk is smaller. This is because a very high proportion of motor business is eventually placed on the basis of ‘one risk, one underwriter’ – that is to say, a Lloyd’s underwriter or Motor Insurance company.

When a member of the public goes to a motor insurance broker they expect that the broker should be fully aware of all the covers available and offered in a standard car insurance policy and a commercial motor policy. A broker also should be knowledgeable about the differences in policies and prices offered by the various Insurance Companies and underwriters with which his brokerage does business.

The Car Insurance Brokers role does not just stop with the supplying and purchasing of the insurance. They should be available to act as an intermediary with the Insurer at any time, acting upon the client’s behalf should there be any changes to the policy mid-term of the contract period, or to deal with any claims that need to be made.

The two main insurance areas dealt with by the car insurance broker are the private individual’s motor policy and the commercial fleet motor policy.

A marked tendency in the large broking house during recent years has been to concentrate more and more on the commercial motor insurance fleet placings, and less and less on the private sector of the market.

Many large international insurance brokers view the private motor insurance as uneconomic for a fully sustainable business, and so specialist sub-brokers or large provincial and regional brokers are dealing with a greater proportion of this class of motor business.

Car Insurance Brokers receive commissions for their role as intermediaries which are received from the Insurance companies with which the business is placed. The commissions available in the motor market varies somewhat and the recent ‘soft market’ where premiums and commissions are low, have also led the high street insurance broker to seek more profitable business in insurance classes other than Motor. Commissions for a car insurance policy may range from 7½ per cent to 20 per cent although with commercial vehicle contracts and large fleet business, brokerage may be agreed on a fee basis which is often charged over the whole portfolio for that particular client. In the past a standard rate or tariff which was agreed and reviewed by the Association of British Insurers professional body (ABI) was used in the UK car insurance market. This is no longer the case, but this approach still influences some underwriters in some specialist car insurance areas.

In recent years, however, many larger brokers have developed what is known as a ‘direct dealing account’. This is where the broker introduces a sub-broker to underwriters and then permits him to deal directly with them under a fronting agreement with their own marketing. The accounts, however, will still pass through the main broker. The commission is split between the main broker and the sub-broker, with the sub-broker usually commanding the higher percentage. An important restriction applied to the sub-broker within the fronting agreement is that he must pass the premium on to the main broker within 30 days of inception of the risk.

The role of the motor broker has changed somewhat in recent years with the development of Internet based quotation systems.

In particular the insurance comparison websites who have taken over the role of the broker to some extent. These quotation systems have been used successfully however by some car insurance brokers who have adapted and embraced the technology and now offer full on-line comparison quotes from their panels of insurance providers. The benefits are a very quick service, although it may still be advantageous for the broker to ‘shop around’ for the best deal for one’s client, particularly if the cover is for a non standard driver or car.

Whatever the changes in the technologies and methods of Car Insurance delivery there will always be clients who want a human face and to talk to someone directly about their insurance needs. The role of the broker is ultimately communication.

If a driver owns a classic car, specialist classic car insurance brokers will compare classic car insurance policies and rates on the customers behalf. Similarly if a customer has medical conditions or convictions or is a young driver that wants to drive a high performance sports car a Specialist Car Insurance Broker will be able to place the risk amongst their many schemes. A Broker is often the only option for non-standard motoring risks that the mainstream suppliers will not service.

Article Source: http://EzineArticles.com/?expert=Dave_Healey
http://EzineArticles.com/?The-Role-of-Car-Insurance-Brokers&id=4753910

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300,000 Young Drivers without Insurance on UK roads

According to the Motor Insurers’ Bureau in a report released today, there has been a twenty percent drop in the number of people driving without car insurance in the UK.
However, there are still a third of a million uninsured drivers on the roads in the UK without adequate car insurance cover.
And it’s young drivers who are the biggest culprits when it comes to breaking the law and putting other road users at risk of loss.

The Motor Insurers’ Bureau (MIB) reports:

Young drivers are the least likely to be insured with new figures suggesting the problem is worse in Britain than any country in Western Europe.

One in five uninsured drivers is aged between 17 and 20.

300,000 young drivers in that age group breaking the law when they get behind the wheel of a car. Many have taken their driving test and hold a full licence but claim they cannot afford the rates charged by Car Insurance Companies

The Motor Insurers’ Bureau Chief executive Ashton West said

“We’ve made significant progress and seen a 20% reduction but we’ve still got a pretty embarrassing record in the UK and there’s a lot more that we need to do to rid the country of this problem.

“Young drivers present a higher risk so they end up paying more.

“The cost of insurance is higher, therefore some of them see that as beyond what they’re prepared to pay and they take the risk.”

Uninsured driving is not helped by the courts who typically hand out  a £200 fine and six points on your licence.
When you consider that the average young drivers car insurance premium is in the region of £2000 per year, and that the car may only be worth £500 and the fine £200  – you can see why taking a risk with uninsured driving is attractive to a certain type of young driver.

However what they fail to realise is that when they are caught they will be paying for this in high premiums for rest of their lives.

Cheap Young Drivers Car Insurance is available from a variety of providers at Car Insurance TV. Compare car insurance prices and shop around for cheaper quotes!

So on my way over to the Insurance Blog offices what do I hear on the BBC Radio One lunchtime news program for young people – Newsbeat – a very interesting  programme about the outrageous costs of car insurance for young drivers.

Being the BBC they have gone all multi media and you can follow the show at BBC Newsbeat  Facebook and listen to and download the podcast at http://www.bbc.co.uk/newsbeat

Listening to many of the comments and reading posts like this….

From Facebook

Chris Kidwell
I’m 22. I’ve been driving for 5 years. I’ve never had an accident. 2 weeks ago a 60 year old man crashed into my car while it was parked. He’s probably got protected insurance cover, and his premium will hardly go up even though he wrote my car off and damaged 2 other cars. I’ve never even come close to an accident in my 5 years, but my high … See moreinsurance policies have probably totalled enough to cover the damage to the other two vehicles, my written off car, and all the hire cars involved… So even though I’m the driver that is least likely to have an accident, my money is more likely to have paid for his irresponsible action. I do feel that young drivers are all tarred with the same brush. There should be a standard amount that all drivers start on (say £900-£1000) a year. Then the premium can increase/decrease accordingly depending on how the driver fares on the road. To charge anyone £3000 a year without knowing whether they are actually a bad driver is wrong.

………………

You’ve got to agree…hey, maybe the kids do have a serious point!

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Well we knew our car insurance premium were always on the up but the results of the latest AA British Insurance Premium Index reveal that rates have actually reached an all time high.

In the final quarter of the year the average car insurance premium for an annual comprehensive car insurance policy increased by a whopping 7.2% on the previous quarter. In real terms this meant that the average premium is now priced at around £1,000.00 per year.

On an annual basis the percentage increase was 18.7% for comprehensive insurance. This is the largest increase in this area of business since the records first began back in 1994. Meanwhile the average premium for third party fire and theft increased in the same period by 8.9% to £1,252.00. Annually third party fire and theft rose by 23.8%.

The increases have come as auto insurers have desperately struggled to make up for a lack of reserves which have slowly been exhausted during the economic downturn. Other factors such as steep rises in settlement costs and an increase in the frequency of personal injury claims can also be attributed to the sociological effects of the recession and are also driving the premiums sky high.

The report has been released at a time that most composite insurers are either actively increasing rates or at least discussing it, but the strategies are varied and diverse.

Zurich have taken the impulsive decision to implement a blanket rate increase on its private motor book, a bold move which has certainly caught the market off guard. The Swiss insurer announced it intended to push forward with sharp increases in personal lines motor expected to be in the region of 20% in the broker channel.

Head of personal lines at Zurich’s broker division, Mark Coffey said: “We have not aimed our increases at specific brokers or segments of the market – they are right across the piece. The majority of the increase will come in March and the remainder will follow in April.”

He concluded “It is an industry problem – not specific to Zurich – so I will be intrigued to see how other insurers react.”

And they were queuing up to respond too…

An Aviva spokesperson commented that “no plans for blanket motor premium increases”. And added that “Aviva’s motor pricing strategy is still tailored to the individual – we seek to recognise better risks with more competitive pricing,”

A spokesperson for Car Insurance comparison website Car-Insurance.tv said, “ We’ve been predicting this for a long time now – the underwriting Insurance Companies can’t keep running on a loss and eating claims reserves ad infinitum.”

Meanwhile both Allianz and Axa indicated prior to Zurich’s move that they will be taking some form of corrective action also.

Gareth McChesney, head of pricing and reporting at Allianz Retail, said: “We applied some strength to our ratings in 2009. It seems others in the market are realising the severity of the situation – just six months later than we did.”

“In Q4 last year, the market started to correct itself and in 2010 I would expect to see that continue, certainly for the first half of the year. Zurich has put forward a hefty increase in a single month while the market is adopting slightly smaller increases, say 3-3.5%, every month to come up to an acceptable rating level,” he added.

Inevitable yes? Necessary pretty much? Helpful as we come out of recession? I let you answer that! From the pen of Insurance Blogger Kris Oldland.

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We are constantly reminded that the cost of our car insurance premiums are inflated because of insurance fraud and exacerbated by the number of uninsured drivers on the roads! It is certainly true that in the United Kingdom all car insurance companies are required by law to pay into the Motor Insurance Fund (MIF).

This pool of money was designed to protect and recompense the innocent British public, from damage or injury caused by an increasingly large number of uninsured drivers. and accidents involving untraceable hit and run drivers.

The Motor Insurance fund was set up over sixty years ago, immediately following WW2 when the licensing laws and car insurance regulations were still being formulated and yet many of our modern laws were yet to be put onto the UK statute books.

The war years had seen the number of cars and vehicles in the UK rise exponentially, particularly towards the end of the war after the USA joined in, and for the first time British women were systematically taught to drive in their thousands, and indeed even the Queen, Princess Elizabeth as she was at the time, mucked in with driving vehicles of all shapes and sizes and women drove the domestic war effort.

At the end of the war Britain’s roads were beginning to become cluttered and returning troops and foreign bases exacerbated the number of unlicensed cars and drivers on UK roads without car insurance to record levels.

As the number of accidents involving uninsured drivers rose steadily, public outcry forced the government to act and in 1946 a Government ‘Quango’ called the Motor Insurers Bureau (MIB) was established to oversee the whole operation of public compensation for damage, where no car insurance covered the costs.

The MID is to this day funded by a proportion of every policy sold, and to date has paid out over £2 billion in total. The MID have calculated that the cost to each of us when we purchase car insurance is an additional £15 to £30 per policy to cover uninsured drivers, which amounts to more than £200 million every year.

Furthermore, recent statistics from the Bureau indicate the problem of driving without car insurance has not declined over the intervening years since its foundation, and show that the UK continues to have a very poor record, with one in every twenty cars on the road being driven without proper car insurance cover.

Breaking down the statistics further, reveals that the amount of damage caused by drivers without car insurance each year far exceeds the amount paid out in claims every year through the risk fund.

It is often difficult to receive full compensation even if you have identified the uninsured driver, who may well have been prosecuted by the police, and you make a claim through the MIB.

A satisfied claim, that is those claims that are paid out, usually only occur when a particular claim has run the full course of the law and a judgement handed down.

In a case of a hit and run driver without car insurance who is unidentified, the MIB does not pay all legal costs, which can quickly run into thousands, but merely makes a contribution with a deduction to cover the balance of legal costs and expenses.

Thus the hidden costs and misery caused by the actions of those who choose to drive without car insurance is far greater than the official statistics of two hundred million pounds every year.

It is with these figures in mind that the MIB became the centralised point of a new database, the Motor Insurance Database, created at the turn of the century. The database is updated daily with details of every person and their car, who buys a car insurance policy. This information is now immediately available to all police forces throughout the Country, who through automatic number plate recognition systems, can instantly send a car registration number to the MID.

This allows the system to immediately indicate to a police office in the field, cars that are being driven and the driver has valid car insurance in force.

Original Article Source: http://EzineArticles.com/?Car-Insurance

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Get a quote from Kwik Fit Car Insurance to take advantage of this free MOT test offer

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