With new research showing that around a quarter of deaths that occur on UK roads happened while the driver was working this could see an increase in employers’ motor insurance premiums. Insurance companies jump on anything that gives them a chance to increase the cost of insurance so with the Department of Transportation figures revealing that the number of people killed in driving accidents whilst at work was 858 last year and over 6,000 people injured, it seems a likely possibility.
The figures are indeed shocking and those who rely on driving for their living could soon be facing increased premiums on their motor insurance. One way of getting a good quality policy while at the same time being assured of getting the cheapest possible premiums for your circumstances is to go to a specialist broker and if you are self-employed and rely on driving as a living then this is essential.
Another factor which targets those who rely on driving for a living and which affects their premiums is nodding asleep at the wheel. While anyone can do this working and driving long hours puts you at bigger risk. 40% of drivers have admitted that they have at sometime found themselves becoming drowsy and nodding of whilst driving, which does nothing to boost safety and keep premiums down. Those who travel long distances as part of their work day should take regular breaks and if necessary book into a hotel and get some sleep. Doing so can not only save your life and that of other innocent motorists, but also help to keep car insurance premiums down by not having to make a claim.
Having a drink is another factor which causes a majority of accidents and road deaths and especially during the Christmas period when workers are having office parties. Drinking and driving not only boosts up the cost of car insurance premiums but far more importantly it is illegal and ruins lives. Even if you only have one drink you are more at risk of being the cause of an accident as your reactions are slower and also of nodding off. Alcohol will increase your chances of falling asleep whilst driving, particularly if you have been driving all day so leaving the car at work after drinking and getting a taxi home is the most sensible option all-round.
After following the sensible advice above a specialist broker will be able to shop around on your behalf for the cheapest motor insurance premiums for insurance while at the same time making sure that you have adequate insurance for your needs. Along with premiums being higher just because you rely on your car for work there are many other factors which determine how much your car insurance premiums will be. Your age is taken into account as is the size of the engine in the car, the make and model and how many years experience you have in driving. A specialist will take all of these into account when it comes to searching with the top lenders so they can get you the best deal possible.
David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to giving consumers the best insurance deal. They offer great value home, life and car insurance