Will car insurance ever become cheap again?
The huge increase over the last few years in car insurance premiums has
got more than one cause. Perhaps the major one is an increase in car
insurance fraud and this is a very difficult one to stamp out, because
we have so many people who feel that cheating an insurance company is
not such a bad thing. These are people who, deep down inside, consider
themselves to be honest and truthful people they are still prepared to
claim for non-existent injuries in the event of a car accident, on the
loss of non-existent belongings if there homes are burgled stock. This
is a social phenomenon which would take a good psychiatrist to find an
answer for.
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However it is being caused, the rising car insurance premiums is causing
severe pain in many quarters! Many retired people on fixed incomes are
now having to look very carefully at whether or not they can continue to
drive in the same way, and a considerable number of them are turning to
temporary car insurance policies (click
here for info)which allow them to go on the road for short periods
every year, rather than drive throughout the year. This is proving to be
quite acceptable to increasing numbers, partly because of the sheer cost
of motoring, partly because of perceived improvements in public
transport but all so, substantially, because of a feeling for 'green'
issues. Petrol is not only an extremely expensive commodity, it is also
a highly contaminating pollutant.
Huge numbers of new drivers have never bought a full, twelve-month
policy in their lives, because they simply cannot afford it. If we take
a young student of 17 or 18 who has just passed a driving test, a car
may cost perhaps a couple of thousands of pounds, but the insurance for
one year may be double that. An increasing number of people in this age
range are turning to rolling month to month policies, where they can pay
monthly and cancel the policy at any time, and older people over the age
of 21 are usually eligible for temporary car insurance, which gives them
the ability to drive from between one and 28 days at a time. This is
certainly not the most convenient way to run a car, particularly since
the new insurance regulations make it mandatory to make a SORN
declaration every time the insurance policy comes to an end, but for
many it is the only way in which they can afford to continue.
Many people in the population of this country absolutely have to have a
car; these include disabled people, and those with jobs which oblige
them to be extremely mobile. The rest of us may well have to learn how
to use public transport again; something which 30 years ago we took for
granted.
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