Road Switcher
68 Per Cent of Us Still not Switching Car Insurance
Only 32 per cent of us have switched car insurance in the last year, so that’s 68 per cent of the UK still not taking advantage of the internet to research products like motor insurance to find a cheaper policy.
Non-switchers regard the features and type of policy cover more important than people who switch insurers.
1 in 10 insurers have never switched or have been with the same car insurance company for more than 10 years.
The UK’s motorists are way behind when it comes to switching insurance online. This is quite surprising when you think about the numbers of people switching credit card providers or utility and telecoms providers. So why aren’t we all saving ourselves a few hundred quid a year by shopping around for car insurance too?
A whopping 43% of people say they have stayed with their current provider for three years or longer, while 7% of these claim they have never changed their car insurance provider.
For 71% of people who have switched their car insurance within the last 12 months, price is the key factor when choosing their insurance provider. While motorists who have been loyal to their insurance provider for over three years don’t rate price as highly. Instead, only 56% of people who last switched their car insurer three to four years ago named price as the most important factor. This figure drops to just 24% for people who have been with their current car insurance provider for over 10 years.
In contrast to that, 44% of this group values the level of cover (e.g. third party, fully comprehensive) provided by their insurance company as the most important factor when choosing their car insurance policy.
One thing I don’t understand is ‘level of cover provided’ – surely Third Party insurance cover is the same no matter where you buy it? i.e. you’re insured if (God forbid) you crash your car into someone else’s. As far as I understand it this is the least or cheapest kind of insurance you can buy in order to legally drive your car on public roads. Fully Comprehensive insurance cover means you can claim for things like scraping the car wing on a gate post or accidentally reversing into a lamppost etc…You can claim on your insurance to cover the cost of these repairs.
I suppose it’s the insurance companies themselves who are ‘tailoring’ insurance policies by adding additional features and benefits to a ‘normal’ insurance policy in order to attract new customers. This is where the whole ‘getting the right cover for your individual needs, rather than getting the cheapest price’ stems from in the first place.
If insurance companies just provided the basic level of insurance needed to drive legally then I’m sure car insurance would be a whole lot cheaper for everyone anyway…
About the Author
Simon Duffy writes for the Financial Blog a UK Finance Blog talking about all aspects of personal finance.
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CDL TEST help!?
i am 20 years old and drive a yard horse/yard jockey/ yard switcher whatever you like to call it for roadway express........i dont have a CDL because im only a yard driver
i am going through the steps of obtaining a CDL right now.....i was wondering if anybody could tell me exactly what was on thier CDL written test? and what all you did for the on road test........i will be fine for the on road test (i drive the actual tractors in the yard all the time, not only the auto matic yard horse) but i am somewhat concerned about the pretrip inspection
The yard test consist of a straight back,45 degree back and a blind side and vision side alley back.The written test is easy if you study the book.The pre-test was the hardest because all the steps had to be called off out loud as you were inspecting.Just a question did you realize that you are going to need the use of a truck and several hours of behind the wheel on road driving when you get your permit?You might be better off to just go to a CDL mill and get your license.I also forgot you have to wait until you are 21 to get your permit.