Such is the claim of Graeme Trudgill, the technical and corporate affairs executive at the British Insurance Brokers' Association. He recently stated, motorist are on average spending an extra 30 pounds a year on their premium as a result of uninsured drivers. As such, unlawful drivers of this type are costing the UK public around 500 million pounds a year. He states that the current problem has been driven by two main factors: high insurance costs which consumers find difficult to manage and a perception among some members of the public that they will be able to get away with driving without cover.
As the number of uninsured drivers on the roads has increased over the past few years, the knock-on financial impact for insured motorists has also grown steadily, Mr Trudgill explained.
For those who are struggling with current motoring costs, taking out a car loan may prove an effective way they can keep their vehicle insured. On top of that, for people looking to buy a new car, by applying for a cheap car loan they could borrow enough to not only buy the car but cover insurance premiums as well.
Mr Trudgill told motorists thinking about driving without insurance that due to better cooperation between the insurance companies and the police has led to a greater number of convictions.
He explained: "The police now have the ability to check whether a car is insured or not at the roadside and have the power to seize any uninsured cars there and then. They have confiscated just short of 250,000 cars since their new powers came into force. So recently we have managed to make a dent in the problem."
Further legislation introduced recently has also made it a crime to be in the possession of an uninsured vehicle. As such, Mr Trudgill warned: "If you drive a vehicle without insurance, it is only a matter of time before you are caught."
However, despite invigorated efforts to stem the number of motorists driving without cover, the Biba spokesperson conceded that at present, it was still a "massive problem", with more than two million uninsured vehicles throughout Britain. Further research from Direct Line has shown that around one in twenty motorists currently lack cover, amounting to 1.5 million people.
Anybody wanting to ensure they are protected when buying a new car, applying for a car loan could offer them the finances they need to take out a fully comprehensive policy which will better protect them in the eventuality of an accident. Leftover funds from a car loan may also come in handy covering other expenses such as petrol, with recent figures from uSwitch showing that UK fuel prices are the highest in Europe.
Car Drivers For Hire
Even if the chances are pretty slim that hybrid technology will actually make much difference, it gives hybrid owners the right to feel superior. After all, they care about the planet. And the rest of the world obviously doesn't.
But if you're one of those hybrid owners you'd better be ready to lose some friends. Here's why...
1. You're Driving Way Too Slow
In theory at least, hybrid owners are the antithesis of those guys who just ache to get in that passing lane and leave the rest of us behind. You know the type...you're minding your own business coming out onto the expressway and the otherwise ordinary guy in the vehicle behind you swings out and passes even before you've hit the highway.
Hybrid owners seem to do just the opposite. You've known for years that driving slow saves fuel. So you're likely to be driving under the speed limit rather than over like the rest of the world.
The fact that you're driving a hybrid just makes it worse, since you know that all the potential savings are squandered if you try to go fast.
Especially when you're accelerating. That guy in the high powered vehicle who pulls out and passes... the thought of saving gas has never crossed his mind. But hydrid owners know better. For you it's a moral duty to save fuel. The fate of the planet depends on it. So there's no way you're going to try any of that fast acceleration stuff.
2. What's with the Pulse and Glide Stuff
You've been told that "pulse and glide" can make a serious difference to your gas milage. That's where you accelerate (conservatively) to the speed limit, and then let the car "glide" to 10 or more miles per hour below the speed limit. Repeat this procedure. Repeat this procedure. Repeat this procedure...
I once had a friend who drove like this. I thought he was dozing off between pulses, but now I know differently. He was actually doing the environmentally responsible thing.
My friend's driving habits aside, this practice is not going to endear you to all the rest of the drivers who can't figure out why you keep slowing down. It's probably smart to speed up just a little when you find yourself in anything other than the "slow" lane.
All bets are off when they let you use the carpool lane.
3. You Just Won't Inch Forward Will You!
Everybody else in the world knows that you must "inch" forward during stop and go traffic. How else are you going to keep up with the driver in front. Besides, if you leave more than about a 15' gap between you and the guy ahead somebody's going to jump into the gap and slow you down even more.
Hybrid drivers have been told this "inching forward" stuff is pointless and wastes fuel. And the way they build hybrids these days they've got a point. When you take your foot off the brake pedal the auto-stop turns off and the gasoline engine restarts -- like one of those gasoline engine golf carts. And there goes most of your gas savings. All those stops and starts just eat up the gas.
But don't expect your mono-drive cousins to understand. They've only got one thing in mind: to get wherever they're going just as fast as possible. And everybody knows that racing up behind the guy in front is the only way to make that happen.
4. Do you really think you should be drafting me like that?
The responsible hybrid owner will make use of every advantage to save gas. And drafting larger vehicles is one technique that the more aggressive will try. That's where you pull right up behind a semi, a van, or an SUV and try to stay in the pocket of air they are pulling along behind them.
I remember doing this with an old '65 Beetle a few years back. We were travelling along the New York Thruway drafting semis. We were making great time and saving lots of gas... until we blew a rod.
Of course, sticking on someone's bumper will not endear you to too many of your fellow drivers. And as I discovered, it's a bit dangerous too. You'll find yourself going quite a bit faster than you otherwise would go. And whipping along in that back-draft does not do a lot for your stability.
Just try to remember, when you're out there on the highway trying to save the planet, the rest of the world could care less about your morally superiour driving habits. All they want to do is get where they're going as fast as they can.
Both Abbi Rouse & Rick Hendershot are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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