Shirk Car Insurance at Your Peril
It’s pretty costly to own a car these days, the green agenda seems to be pressuring us to drive less and use more public transport and one way of doing this is increasing the cost of driving. So far we’ve seen petrol prices sky rocket and thankfully tumble to more reasonable levels after many protests.
Car tax is due to be reclassified to new categories of economic values like emissions and mileage and so the worst performing cars will soon be paying higher levels of tax which isn’t impressing the massive 4×4 owners but if you are driving one of the newer hybrid or electric vehicles there is talk that you will not have to pay any tax whatsoever. It’s not likely that this will happen but significant savings will likely be made if you drive one of these economical cars.
If you drive a small engine car there’s a good chance you too will be on a lower tax bracket under the new rules and so you may be able to make savings or stay at the current level, at least you won’t get any increases which should save you some money.
The main problem for drivers, especially newer drivers is that car insurance can often be pretty pricey for the first few years or until you reach the age of 25. The temptation for many struggling drivers is to simply not get insurance, they feel they’re safe enough drivers that they won’t need it or have such a cheap car that it would be cheaper to cut their losses and buy another.
This is a risky option which is both illegal and costly in the long run; it is dictated by the law in the UK that you drive with the minimal level of insurance (being third party cover) so that should you not wish to cover your own car at least you are insured for damage caused to other motorist’s vehicles.
Those who chose to run the risk are quickly realising that it is very easy to find and punish drivers with no insurance policy. Speed cameras as well as Automatic Number Plate Recognition cameras (ANPR) on board police cars are able to check with insurance databases and if you are found to be driving without any car insurance then you would receive a fine, possibly even a ban or your vehicle being repossessed and destroyed.
The argument that there is nowhere for younger drivers to get cheap car insurance is no excuse as there are some insurers who cater specifically for younger drivers, there are even companies who will cover high risk drivers who may have had a umber of crashes or claims in the past. Insurer and motoring advisors say that you should check all insurance providers and to do some research into which insurers are more sympathetic to any of the mentioned categories you may fall into.
About the Author
Andy Adams is an IT worker and experienced writer
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