The Short Term Car
Insurance Revolution - see carinsurancefor1day.co.uk
last 10 years or so the car insurance industry in the United Kingdom
has gone through many changes, which is not being terribly popular
with insurers who are, by tradition, adverse to change. One major
factor in this has been the growth of the Internet and, more
importantly, the greater acceptance of the population at large of
the idea of buying services, including insurance, online. By
automating different processors it has been possible to economically
sell products which once upon a time would not have been possible
under the old system whereby carry insurance was invariably sold by
local insurance brokers, and one such product Has been short term
car insurance which has undergone a phenomenal growth.
Stepping Up Driver Responsibility Beyond UK Car Insurance
UK car insurance can provide property, liability and medical care
protection in the event of an accident. Drivers should be aware of
traffic collision facts and factors that lead to crashes. In 2004,
worldwide estimates reported that 1.2 million people were killed and
50 million more were injured in motor vehicle collisions.
Motorcyclist casualty statistics show that they are more than twice
as likely to suffer severe injury in a collision. In Great Britain
during 2005 there were 198,735 road crashes. Casualties, reported as
271,017, included 3,201 deaths and 28,954 serious injuries, or
10.7%. Car users represented 66% of these casualties, or 178,302
people, and 9% motorcyclists or 24,824 motorcyclists. Twenty-four
percent were injured and 569 were killed (or 2.3%).
In 2006, exceeding the speed limit appeared as a contributing factor
in 5% of casualty crashes and 14% of fatal crashes, according to a
British road casualty report. Driving too fast for conditions
contributed to 11% of casualty crashes and 18% of fatal crashes.
Forecasts predict that by the year 2020 road traffic deaths and
injuries will exceed HIV/AIDS when it comes to death and disability.
Motor vehicle speed, driver impairment, road design, environmental
conditions and other factors can result in motor vehicle crashes.
Driver impairment includes physical impairment. Physical impairment
includes alcohol, poor eyesight, old age, sleep deprivation,
fatigue, and drug use. Physical impairment includes physical
conditions that require vehicle modification. Sight tests can
prescreen identification of drivers and require sight correction
devices such as glasses or contact lenses while driving. Old age may
impair driver reaction speed and eyesight. Sleep deprivation,
fatigue and drug use can also impair a driver and lead to
The relative risk of an accident increases with blood alcohol
levels. In Canada approximately 33.8% of car crashes involved
alcohol use. Besides alcohol, substances that can impair drivers
include legal pharmaceuticals such as prescription drugs and over
the counter medications. Antihistamines, opiods and muscarinic
antagonists are over the counter drugs that can impair driving
ability. The use of illegal drugs can also adversely affect driving
Drivers may be legally under the influence of prescription or over
the counter medicine yet still be a potential hazard to themselves
and others on the road. Pedestrians or cyclists are also affected in
the same way and pose similar risks to themselves or others when
under the influence of medicine.
Research suggests that attention of drivers can also be distracted
by sounds, music, conversations and the operation of mobile phones.
The type of music can affect drivers differently. Classical music,
though soothing, may cause drivers to over relax, while rock music
may encourage drivers to accelerate driving speed.
Air bags, anti-lock brakes, front and rear head restraints, impact
absorbing bumpers, retractable head lamps, and impact absorbing side
panels were car among 1970s car safety design prototype innovations
initiated by British Leyland's vehicle safety research programme.
The Campaign for Safe Road Design is a 13 member consortium
imploring the UK Government to elevate safe road design into a
national transportation priority. UK research shows that safe road
infrastructure programmes can reduce road deaths by 33%, resulting
in annual savings of as much as £6billion. UK car insurance can
provide peace of mind and protection from the repercussions of auto
accidents; however, driver awareness of injury, deaths and steps to
take to avoid becoming a casualty are available.