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A provider specialising in pay as you go car insurance has created a new policy for vehicle owners who drive only occasionally.

The new product – a first for the UK market – requires the car owner to take out a monthly subscription of between £10 and £30 that then has to be topped up for each hour the vehicle is used.

Cuvva, which already offers by-the-hour insurance cover for individuals to drive vehicles belonging to friends and family, said car owners will have to pay from £1.20 each time they want to get behind the wheel.

Drivers have to pay £10-£30 for a monthly subscription that covers the car when not in use.You pay from £1.20 per hour each time you want to drive the vehicle

Aimed at younger drivers who live in cities and cover less than 4,000 miles a year in their car

Cuvva says it could save some drivers up to 70% on a standard insurance policy

The cover is aimed at ‘young city dwellers who pay high insurance premiums for cars that are driven for fewer than 4,000 miles a year’, the Edinburgh-based insurer said.

According to Department for Transport and DVLA figures, there are approximately six million cars in the UK that are described as being driven ‘very infrequently’.

Cuvva said these low-mile drivers are forced to pay hefty premiums despite spending little time on the road, effectively subsiding higher-mileage motorists

As a way of cutting their costs, it offers drivers the choice to pay a monthly subscription that ranges from £10 to £30 depending on the car and where the person lives.This fully-comprehensive subscription insures the vehicle when it’s parked up at your home and not in use.However, when the owner decides they need to drive somewhere, they then have to pay from £1.20 for every hour they’re behind the wheel using a top-up service on the Cuvva app.Unlike it’s existing pay-as-you-go insurance service based on a driver being able to get behind the wheel of any car, the subscription cover is for one vehicle only.If two people share a car they would need two subscriptions in order to drive it.As with conventional insurance, users will earn a no claims discount at the end of a 12-month subscription, which is then fully transferable.

The monthly subscription can be cancelled at any time at no cost, though drivers run the risk of a fine from the DVLA if the vehicle isn’t insured by another provider or declared off the road – or SORN – at the end of the 28-day subscription period.

For more information please go to www.cuvva.com

 

Benefits of Buying a Car Camera

With more and more UK motorists begining to reap the benifits of installing an in-car camera, sales of these small, purpose built video devices, are increasing daily. Fitting your car camera is easy, they simply attach to your vehicles windscreen via a suction cup or adhesive mount, this enables you to record video footage of the road ahead and gives you your very own ‘eyewitness’. If you’re unfortunate enough to be involved in any kind of collision, they offer complete peace of mind that you’ll have detailed footage of the whole incident. This could help prove your innocence and offers irrefutable video evidence when it comes to settling an insurance claim. The follwing list offers a few more reasons why installing a car camera could be the best thing you ever do…

Protection against Crash for Cash and Insurance fraud

Crash for cash, is without doubt, one of the largest vehicle based crimes an innocent motorist may have to deal with, and the bad news is it’s still on the increase. According to the Insurance Fraud Bureau, organised Crash for Cash scams are costing the UK insurance companies around £392 million every single year, and with 1 in 7 personal injury claims being linked to one, it is netting huge amounts of money for the criminals involved in it. Crash for Cash is a huge problem right now and vehicle insurance fraud is not a victimless crime; it is the honest policy holder that will ultimately pick up the bill with an extra £40-£50 being added to their insurance premiums every single year. Gangs of highly organised criminals will usually stage or induce an ‘accident’ by causing an innocent motorist to crash into the rear of the fraudster’s car. The simplest scenario is where the gang members car may pull directly in front of yours and then by suddenly hitting the brakes they leave  you little or no chance to avoid a rear-end collision. This now gives the criminals the ideal opportunity to make as much money as possible by submitting exaggerated insurance claims for vehicle damage, ‘loss of earnings’ and personal injury, the drivers not only claim this for themselves but sometimes for passengers who weren’t even travelling in the car! By simply installing a car camera in every vehicle that you drive, you’ll be safe in the knowledge that you will be protecting yourself with HD video evidence that will fully show the circumstances leading up to, and including the collision itself. This will give the insurance company any proof it needs if they suspect the claim to be a fraudulent one.

Protect your insurance premiums

Often, when making a claim to your insurance company the claimant will always have to pay an increased cost on their next renewal. This is because most of the time, after an accident each party denies responsibility for it; the result is the insurance companies have to assume equal responsibility for both parties. On some occasions the outcome is even worse and the innocent party is wholly blamed for the collision. Installing a car camera will help ensure that the actions and driving behaviour of those who caused the incident are 100% indisputable. The insurers will be able to get a complete understanding of the circumstances leading up to an accident and this will mean that only the guilty parties’ insurance company will have to pay damages. Thus, in-car video evidence goes a long way to protecting your premiums and your no-claims bonus.

Cheaper car insurance

As car cameras or dash cams become increasingly popular on UK roads, some insurance companies are recognising the benefits of having them fitted and discounts are already being offered for drivers who install and use their cameras regularly. Having high-quality video evidence also means that insurers can spend less time and money investigating suspicious or fraudulent claims and therefore can pass this saving on to the motorist. In a nutshell the car camera will actually pay for itself before there has even been an accident! Still can’t decide whether or not to purchase an in-car camera? For most of us, just the fact it could save us a small fortune on our insurance premiums is enough to make it a “no-brainer”.

Deter, record or report dangerous and unsociable drivers

With the car camera market expanding by the day, drivers will eventually start to become more aware that there are quite a number of vehicles on UK roads that already have an on board video camera mounted inside them. This, we are sure, will eventually start to make every motorist drive with a lot more courtesy and patience for others. Unfortunately, at this moment in time, we are still a long way away from this. With speeding motorists wanting to under-take or push in front of us, angry tailgaters who insist on driving a few inches away from our rear bumper or selfish drivers who chat away on their mobile phones, these are all examples of incidents that are happening on a daily basis and are making our roads as dangerous as ever. So how can we combat this? Simple, by using an in-car camera system you’ll have the ability to capture any dangerous or reckless driving on video. This can then be reported to the local authorities and in many cases these drivers will be prosecuted solely on car camera evidence.

Protect against road rage incidents

Road rage attacks are becoming ever more common in the UK. In most cases this involves nothing more than some choice words or possibly some offensive hand gestures.  That said, there are a number of drivers who are reportedly finding themselves as a target of actual physical violence. If you have a car camera fitted, try to make sure you always position yourself in front of it whilst you’re exchanging details; this ensures that any offensive behaviour or threats will be caught on camera. Another way to diffuse a potentially violent situation is to inform the other driver that the event is being monitored and recorded, this can be a useful tool, helping to diffuse a volatile situation. Many attackers will be far more likely to back down once they know their actions being filmed by your ‘eyewitness’.

Protection in car parks 

G-shock technology sensors are tiny motion sensors that are built in to most modern day car cameras. This enables the camera to instantly start recording the moment it detects either, movement around the car, or a sudden bump or jolt to the vehicle itself. This will be an enormous benefit to you if you happen to return to your parked car to find it scratched or damaged in some way. The saved file from your in-car camera can be viewed once you’re back at home, or with some car cameras, the footage can be watched there and then on your smartphone using a Wi-Fi connection. It gives you extra peace of mind that you may have caught the culprits face on camera or in the case of the damage being caused by another vehicle; you’ll not only have video images of the incident taking place but also the vehicles registration plate. This gives you the advantage of bringing any guilty party to justice and once again saves you from having to make a claim on your own insurance.

Record commercial and fleet driver’s activity

With the advances in car camera technology it is now possible to start protecting your entire workforce whilst they’re out on the road. Fleet owners now also have the ability to monitor every one of their vehicles and driver’s activity. Using Google maps they can check whether a driver has adhered to the correct pre-planned route, not broken the speed limit and more importantly not been driving without due care and attention. At the same time many drivers now enjoy the peace of mind that having a camera installed brings. Commercial drivers are often the target of crash for cash scams, this is because the gangs know that a commercial vehicle will undoubtedly have insurance, when a larger van or lorry is blamed for being at fault in an accident, irrefutable video evidence can immediately prove the drivers innocence, therefore not only protecting the fleet owner’s insurance costs but also helping to protect the employees driving licence and ultimately, their job.

Taxi and Private hire protection

If you drive a black cab for a living or you’re always on the road as a private hire driver the chances are, at some point, you’ve ended up either having a near miss with another vehicle or maybe found yourself in a vulnerable situation with one of your passengers. With Taxi and private hire insurance premiums being at an all-time high, there’s never been a better time to install your very own ‘eyewitness’ protection. These days you’ll find CCTV everywhere you go so why should your cab or minibus be any different? There are numerous problems that can arise whilst driving, these include damage to the outside of your cab from other road users, verbal and sometimes physical abuse and of course those customers who have decided not to pay their fair at all! Having the knowledge that you have a reliable camera system in place will go a long way to improving safety for both the driver and passengers alike.

Young and novice driver protection

The cost of insurance premiums for young or novice drivers has increased dramatically over the past few years; some of these premiums can range anywhere from £3,000 to £7,000 a year! This is largely because younger and less experienced drivers are more likely to be involved in an incident or accident in their first few years on the road. To combat some of these issues insurance companies will only offer them a policy if they then agree to have a ‘black box’ fitted in their car. This then tells the insurer their locality, what time of day or night it was and more importantly what speed they were travelling. Now imagine installing a car camera into their vehicle to back this up, it would not only give their insurance company a visual image of how they were driving, but could potentially prove their innocence should they ever be involved in a collision with another motorist. Worth thinking about, isn’t it?

Protect your vehicle against misuse and abuse

When you have to leave your vehicle with a stranger, it can sometimes be a real worry. Without an in-car camera installed you have no idea how others are treating your property. How many times have you left your vehicle at a garage for repair, service or M.O.T or maybe had to leave it with a valet parking company at an airport? Once it’s out of your sight, what really goes on? Having a car camera installed enables you to see (and sometimes hear) exactly what happens once you’ve dropped it off and handed over your keys. Viewing the camera footage back will enable you to know exactly where your vehicle was and how it was treated. If you have a car camera with built-in GPS you’ll also be able to see the route it was driven, how fast it was travelling and where abouts it was left parked up.

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Putting a black box into your car could save you a substantial amount of money on your premiums. We describe the six types of drivers who would benefit from the device

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Black box insurance, where premiums are based on your driving behaviour, is popular among young drivers trying to reduce the cost of cover, but motorists of other ages can also benefit.

This type of insurance is otherwise known as “telematics” cover, and involves a black box being professionally installed in your car. The box monitors how and when you drive and relays this information back to the insurer, which then calculates your premiums based on the data it has received.

Here are six types of driver who could benefit from having black box cover:

Young drivers

Young drivers aged between the ages of 17-24 are statistically the most likely to be involved in a car accident, which means premiums can be sky-high. According to the Association of British Insurers (ABI) drivers in this age group are three times more likely than drivers of other ages to be responsible for “catastrophic claims”.

Back box insurance enables insurers to tailor premiums to suit each individual based on their driving habits, rather than relying on statistics alone to determine the cost of their cover. So provided young drivers can demonstrate they are responsible motorists, premiums will be lower than they would be if they opted for conventional cover.

New drivers

If you’ve only recently passed your driving test, and therefore have limited experience on the roads, you will also be considered high risk by insurers, regardless of your age. Telematics insurance could help you pay cheaper premiums as premiums will be based on how and when you drive, so the safer you are, the lower your premiums will be.

Low mileage drivers

If you only drive a few miles every so often, it doesn’t make sense to pay the same insurance premiums as someone who drives 10,000 miles or more every year. Many black box policies allow you to choose exactly how many miles you’ll drive, and use this information to help work out your premium. If you don’t exceed this number, then you won’t have to pay any extra.

A spokesman for black box insurer Insurethebox said: “For those drivers who need to travel further, top up miles are available in bundles of 250, 500, 1,000 or 2,000 miles.”

Similarly, Coverbox’s “pay as you drive” scheme, also allows you to buy more miles if you underestimate your annual mileage.

Careful drivers

If you pride yourself on being a particularly safe driver, black box insurance could potentially reward you with lower premiums. For example, with black box cover from Ingenie, every three months your policy is reviews and a discount is applied if you’re driving well. Ingenie claims that 70pc of its customers have received a good driving discount.

The AA’s Drivesafe policy assesses how you anticipate traffic and follow the landscape, so the better you drive, the lower your premiums will be.

Slow drivers

Black box insurance is not for boy racers. You don’t have to crawl along the roads, but you must always stick within speed limits. Remember that speed can be assessed in other ways too. For example, if you take corners too sharply and are braking while doing so, this could work against you if you have a black box installed. Similarly, you’ll need to take care not to accelerate too fast away from traffic lights or to brake hard when you see a traffic jam in front of you.

Daytime drivers

Driving late at night or in the small hours is considered much riskier than driving during the daytime. This means drivers with black box insurance are likely to see premiums rise if they regularly drive at night, while some such as iKube and Co-op, have curfews so that if you drive late at night you could be fined or see premiums rise. If you tend only to drive during the day, then black box cover could be for you as you will be rewarded for driving during “low risk” periods.