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To: "yuk.wong@ack.uk.com" <yuk.wong@ack.uk.com>
From: advance insure <enquiries@advanceinsure.uk>
Reply-To: advance insure <Motor@advanceschemes.com>
Subject: Combat Motor Insurance Hikes: Tips to Save on Premiums
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Content preview: Yuk Motor Insurance price rises Over the last few years there
has been a large fluctuation in insurance costs for motor vehicles. During
2020 and 2021 there was a significant drop in premiums, attributed to the
Covid-19 pandemic and [...]
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Yuk
Motor Insurance price rises
Over the last few years there has been a large fluctuation in insurance cos=
ts for motor vehicles. During 2020 and 2021 there was a significant drop in=
premiums, attributed to the Covid-19 pandemic and lockdown. With more peop=
le working from home or isolating there were less vehicles on the road. Dri=
vers reported reducing their annual mileage by 40% during 2020 and Police f=
orces reported a 26% drop in the number of road accidents attended during t=
he same period.
By January 2022 all lockdowns had been lifted and life (and driving habits)=
returned to normal. This coincided with the Financial Conduct Authority's =
(FCA) new rules to stop the habit of some insurers hiking up renewal prices=
for loyal customers.
Also by then insurers were heavily paying claims made by businesses that we=
re unable to open during the earlier lockdowns and who had claimed for loss=
of earnings and business interruptions. Although this didn't directly effe=
ct motor insurance, the same companies that insure vehicles generally also =
insure businesses. The money lost from these claims had to be made up by in=
creasing the costs of all policy types across the board.
By February 2022 the Russian/Ukrainian war had started, leading to Worldwid=
e financial instability and shortages of resources. This directly effected =
repairers ability to obtain parts for repairs (leading to delayed repairs &=
increased courtesy/hire car costs) as well as a hike in the price of parts=
.
Additionally, the cost of second hand cars has increased dramatically due t=
o the unavailability of new cars (largely due to the semiconductor chip sho=
rtage that has been going on since near the beginning of the pandemic), so =
where a vehicle is written off insurers are paying out more than usual to p=
olicyholders as the Market Value of second hand vehicles has also increased=
.
As a result of this it is expected that Motor Insurance premiums will conti=
nue to rise over the next few years.
How can I reduce my premium?
There are various ways to reduce your premium, including:
Can you reduce your annual mileage by working from home or using your vehic=
le less? Your annual mileage directly effects your premium, although your p=
olicy should be based on the mileage you need. Artificially reducing your m=
ileage but driving more than you say could cause problems if you need to cl=
aim.Increase your excess. By agreeing to a higher excess insurers may provi=
de a discount, although this is not always a huge amount.Restrict the drive=
rs on your policy. If you have drivers named on your policy who rarely driv=
e the vehicle it may reduce the premium if they are removed.Can you park in=
a safer place. If you park on the road, can you park on a driveway or in a=
garage? Removing the vehicle from the road may help reduce premiums.If you=
pay by Direct Debit, consider if it would be cheaper to pay in full, even =
if it means using a credit card. The APR may be less than that charge by in=
surers.
If you would like to speak to our dedicated Motor team regarding other ways=
to reduce your premiums, or to obtain a quotation, please contact=C2=A0Mot=
or@AdvanceShcemes.com=C2=A0or call us on 01442 256783.
Alternatively visit our website(https://clicks.advanceinsure.uk/email/S-166=
72@313394@c7aYbIR9zVSdfqkoxnQgWEUvupWXUNrR3gnQgkjWw8A.@)
MOTOR TEAM | ADVANCE SCHEMES LIMITED
Office: 01442 256 783 | =C2=A0Fax: 01442 257 798
Address: 2 K D Plaza, Cotterells, Hemel Hempstead, HP1 1AX
Email: motor@advanceschemes.com
Web:=C2=A0www.AdvanceInsure.co.uk
Watch Our Video(https://clicks.advanceinsure.uk/email/S-16672@313395@c7aYbI=
R9zVSdfqkoxnQgWEUvupWXUNrR3gnQgkjWw8A.@)
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=09=09=09=09=09=09=09=09<td style=3D"padding: 10px; font-size: 16px; color:=
rgb(51, 51, 51); font-family: Lato, Tahoma, sans-serif;">
=09=09=09=09=09=09=09=09=09<table width=3D"100%" cellpadding=3D"0" cellspac=
ing=3D"0">
=09=09=09=09=09=09=09=09=09=09<tbody><tr>
=09=09=09=09=09=09=09=09=09=09=09<td style=3D"font-family: Lato, Tahoma, sa=
ns-serif; font-size: 16px; color: rgb(51, 51, 51);" align=3D"left">
=09=09=09=09=09=09=09=09=09=09=09=09<div class=3D""><p>Yuk</p><p><strong>Mo=
tor Insurance price rises</strong></p><p>Over the last few years there has =
been a large fluctuation in insurance costs for motor vehicles. During 2020=
and 2021 there was a significant drop in premiums, attributed to the Covid=
-19 pandemic and lockdown. With more people working from home or isolating =
there were less vehicles on the road. Drivers reported reducing their annua=
l mileage by 40% during 2020 and Police forces reported a 26% drop in the n=
umber of road accidents attended during the same period.</p><p>By January 2=
022 all lockdowns had been lifted and life (and driving habits) returned to=
normal. This coincided with the Financial Conduct Authority's (FCA) new ru=
les to stop the habit of some insurers hiking up renewal prices for loyal c=
ustomers.</p><p>Also by then insurers were heavily paying claims made by bu=
sinesses that were unable to open during the earlier lockdowns and who had =
claimed for loss of earnings and business interruptions. Although this didn=
't directly effect motor insurance, the same companies that insure vehicles=
generally also insure businesses. The money lost from these claims had to =
be made up by increasing the costs of all policy types across the board.</p=
><p>By February 2022 the Russian/Ukrainian war had started, leading to Worl=
dwide financial instability and shortages of resources. This directly effec=
ted repairers ability to obtain parts for repairs (leading to delayed repai=
rs & increased courtesy/hire car costs) as well as a hike in the price =
of parts.</p><p>Additionally, the cost of second hand cars has increased dr=
amatically due to the unavailability of new cars (largely due to the semico=
nductor chip shortage that has been going on since near the beginning of th=
e pandemic), so where a vehicle is written off insurers are paying out more=
than usual to policyholders as the Market Value of second hand vehicles ha=
s also increased.</p><p>As a result of this it is expected that Motor Insur=
ance premiums will continue to rise over the next few years.</p><p><strong>=
How can I reduce my premium?</strong></p><p>There are various ways to reduc=
e your premium, including:</p><ul type=3D"disc" style=3D"margin-bottom: 0cm=
; color: rgb(34, 34, 34); font-family: Arial, Helvetica, sans-serif; font-s=
ize: small; font-style: normal; font-variant-ligatures: normal; font-varian=
t-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-=
align: start; text-indent: 0px; text-transform: none; widows: 2; word-spaci=
ng: 0px; -webkit-text-stroke-width: 0px; white-space: normal; background-co=
lor: rgb(255, 255, 255); text-decoration-thickness: initial; text-decoratio=
n-style: initial; text-decoration-color: initial;"><li style=3D"margin: 0px=
0px 0px 15px;">Can you reduce your annual mileage by working from home or =
using your vehicle less? Your annual mileage directly effects your premium,=
although your policy should be based on the mileage you need. Artificially=
reducing your mileage but driving more than you say could cause problems i=
f you need to claim.</li><li style=3D"margin: 0px 0px 0px 15px;">Increase y=
our excess. By agreeing to a higher excess insurers may provide a discount,=
although this is not always a huge amount.</li><li style=3D"margin: 0px 0p=
x 0px 15px;">Restrict the drivers on your policy. If you have drivers named=
on your policy who rarely drive the vehicle it may reduce the premium if t=
hey are removed.</li><li style=3D"margin: 0px 0px 0px 15px;">Can you park i=
n a safer place. If you park on the road, can you park on a driveway or in =
a garage? Removing the vehicle from the road may help reduce premiums.</li>=
<li style=3D"margin: 0px 0px 0px 15px;">If you pay by Direct Debit, conside=
r if it would be cheaper to pay in full, even if it means using a credit ca=
rd. The APR may be less than that charge by insurers.</li></ul><p>If you wo=
uld like to speak to our dedicated Motor team regarding other ways to reduc=
e your premiums, or to obtain a quotation, please contact Motor@Advanc=
eShcemes.com or call us on 01442 256783. </p><p> </p><p>Alternatively =
visit our <a href=3D"https://clicks.advanceinsure.uk/email/S-16672@313396@c=
7aYbIR9zVSdfqkoxnQgWEUvupWXUNrR3gnQgkjWw8A.@" target=3D"_blank">website</a>=
</p><p><strong><span style=3D"color: rgb(25, 20, 122);">MOTOR TEAM | ADVANC=
E SCHEMES LIMITED</span></strong><br><span style=3D"color: rgb(91, 192, 222=
);"><strong>Office: 01442 256 783 | Fax: 01442 257 798</strong></span=
><br><br>Address: 2 K D Plaza, Cotterells, Hemel Hempstead, HP1 1AX</p><p>E=
mail: motor@advanceschemes.com</p><p>Web: www.AdvanceInsure.co.uk</p><=
p><a href=3D"https://clicks.advanceinsure.uk/email/S-16672@313393@c7aYbIR9z=
VSdfqkoxnQgWEUvupWXUNrR3gnQgkjWw8A.@" target=3D"_blank">Watch Our Video</a>=
</p></div>
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