Buying a first car can be a difficult choice for anyone, since the choice of model and make is often overwhelming. The market has plenty of options to choose from regardless of what style you prefer, and there is a wealth of choice whether you are a career woman or a stay-at-home mum. Of course, budget often remains the main concern when considering a new car purchase and women do not necessarily need to choose the most expensive models in order to have a comfortable driving experience. While it may seem banal and rather common-sense advice, it is important to aim for simplicity and functionality for your first car, particularly for relatively inexperienced drivers who are likely to be unfamiliar with a large display of previously unknown switches, knobs and dials. Another thing to keep in mind are insurance costs when purchasing a new motor, so things like colour, model and make are very important. We know that accidents will be less likely for first-time female drivers than for their male counterparts but there is no point paying higher premiums than you need to. So, if you are unsure which car would suit you best, we suggest a few typical top cars for first-time female buyers. Ford Fiesta A widely popular choice for a first car and one that proves reliable and comfortable in almost any instances. There are a number of models to pick for a variety of purposes, though any model will offer the same reliability particularly for young women drivers who are new to the perils of our roads. Fiestas allow for plenty of space for women on shopping trips, and will also amply cater for small families. Regardless of what you will use your car for, the Fiesta is a good first-time choice for all young drivers. Chevrolet Aveo Nobody wants to pay excessive amounts of money on petrol, and any car which promises economic fuel consumption is certainly a favourite for first time drivers. Whilst the Chevrolet Aveo may seem like an expensive car for first time buyers, the 5-year warranty and its low fuel consumption make it a preferred choice for many young women who have landed their first professional job contract or who have saved up on some hard-earned cash for their first car. Low insurance is another plus factor with this car which adds to it's attraction for the budget conscious. It is very comfortable to drive with a stylish dashboard and there is plenty of storage space for a variety of purposes. Fiat 500 The old model was incredibly popular in Italy in the 70s and 80s and the new models are still popular in our current days. The 500 is known for being compact, nimble and easy to park in a variety of situations (don't block off your neighbours though!). Some drivers would prefer any of the Mini models although they may be more expensive, but a 500 is great fun to take to any adventurous excursion with your friends and will likely provide an unforgettable first-time driving experience. Completely affordable and economical in terms of consumption, it is definitely a good choice for budding drivers (particularly second-hand purchases). We hope you can find these three choices informative and helpful in your eventual first-choice car purchase. Happy driving!
Fine tuning your insurance details Insurers use complex computer programs to maximise their profits. There is no longer a fixed price for an insurance policy, and the cost could vary considerably even though the benefits stay exactly the same. Here are a few of the reasons why this can happen; being aware of what's going on may save you some money. Supply and Demand There are millions of individual car insurance price comparisons carried out every day, and tens of thousands of sales. This means that insurers can very quickly spot which policies are selling well at any particular time, and which are not. The best sellers of today are not necessarily the best ones tomorrow as different factors come into play. Is the weather bad? More people are staying at home so they go online and get some quotes for their car insurance. There is a burst of sales which may mean prices will change. If a particular policy is selling well, but it has a low profit margin, the price may increase subtly. This may reduce sales but the increase in profit margin may compensate for this. Do sales fall too quickly? A little discounting may be necessary to maintain market share. Has there been a terrorist outrage somewhere? People will think of safety first, so well established brands with more expensive policies may do well. Having a heatwave? There's not going to be much business about so it's time to push the cheaper brands and perhaps increase the prices on the more expensive ones so that the lower priced ones seem to be a better bargain. The day of the week can make a difference. Sundays are quiet so prices may fall a little bit, Monday is hectic so they can firm up. The time of the month can make a difference too. Towards the end of the month a lot of people get paid and they sort out the main bills all at once; a couple of weeks later we're all broke and the special offers have to come out again. How desperate is the customer? Many people who use price comparison sites will start looking at prices well before the date their next policy is due. The insurers know when this date is, because it's one of the questions they ask. They are aware that most visitors are likely to abandon their search, without actually buying a policy, because time is on their side. This means that the time for a really good offer is right now, before a potential customer goes off to look at a rival site.Conversely, there are a lot of last-minute shoppers about! These motorists have left their renewal a little late; if they don't buy a policy now they will have to accept the quotes that their existing insurers have given them, and which are almost certainly more expensive than last year's. The result: increasing the prices by a little probably won't hurt sales. How do you turn this to your advantage? Pay all your bills well in advance, then start comparing prices a month before your renewal is due, on a peaceful, sunny, Sunday morning in the middle of the month. You'll have a good chance of saving a few pounds but who wants to sit over a computer when everyone else is out in the sunshine, enjoying picnics? Alternatively, do what I always do; phone the existing insurer, tell them they're great but you can't afford the renewal premium so you're off. They'll offer you a nice discount, and you'll save enough money to buy a picnic hamper from Fortnum and Masons.
What influences the cost of your car insurance? Annual motor insurance premiums can vary considerably from person to person. Insurers will say this is because we each pose a different insurance ‘risk’ which must be individually assessed. That may be so, but does not quite explain why individual insurers can rate the same ‘risk’ quite differently. However, insurance companies have have become very sophisticated at assessing that risk. Firstly, they have a lot of information about you before you even start to fill in an application form. Some of this comes from trade databases such as: The Claims Underwriting Exchange (CUE); this records every insurance claim that's made in the UK; The Insurance Fraud Register (IFR): this records details of everyone convicted of insurance fraud; The Motor Insurance Anti-Fraud and Theft Register (MIAFTR): this records all vehicles which have been written off in accidents, or stolen but not recovered; The My Licence Database: this allows insurers to check on the driving licence status of applicants; The Motor Insurance Database: this holds details of every insured vehicle in the UK. As if this wasn't enough, there is a huge amount of data available in the public domain. It is only recently that Admiral attempted to search Facebook automatically for information about the personal lives of applicants; they were stopped from doing so, but that doesn't prevent them from doing a manual search. Have you spoken about your wild parties on Twitter or Snapchat? That could be the reason why your premium has shot up. Missed a mortgage payment or two? Insurers may see that as a sign you might skimp on maintaining your car, so there is another excuse for a premium hike. Then there are still the traditional methods of assessing you. Let’s look at some major things which influence the size of your insurance premium:• Age – As elsewhere in life, age matters. Statistically, younger drivers are involved in many more accidents, with 40% of 17-year-olds having accidents within six months of passing their driving test. Next in that list come senior drivers, and then the rest of us. Don’t ever be tempted to add on, or leave off, a couple of years to get better rates. Your insurance cover will be declared invalid when insurers find out – and they will (your driving licence gets checked whenever you claim).• Gender – Once again, available figures report that young male drivers have the most expensive claims record – the average cost of each claim for males 17-19 is now £4,473. On average female drivers are safer, and cause fewer accidents, than their male counterparts. Under EU law it is illegal to charge different premiums based on gender – so now we all pay more!• Location – Where you live affects your premium too. In rural counties with fewer cities and lower traffic density, premiums are lower. However, inner city areas with higher traffic volumes attract higher premiums. Moreover, higher crime rates in such areas will tend to push motor premiums covering theft and vandalism higher still.• Claims history – Having accidents confirms you as a higher risk and increases your premium. Though ‘no fault’ accidents may exonerate you from blame, some insurers (but not all), if they still have to pay out, argue that you are bad for business and hike your premium anyway. Again, don’t be tempted not to declare previous accidents. Companies share information to cut down fraud and concealing facts invalidates your cover.• Policy Cover – the three types are shown below, in descending order of cost: 1. Fully Comprehensive cover is the widest available. It covers you for damage to your own car, and damage or injury to third parties, if you are held responsible. It is NOT necessarily the cheapest! Some insurers are wary of clients who try to cut costs by buying less cover (and who may not take as much care of their vehicles), so they price their policies accordingly. 2. Third Party, Fire & Theft covers you for damage or injury to third parties, if you are held responsible, and loss or damage to your own car by fire or theft. 3. Third Party Only covers you for damage or injury to third parties, if you are held responsible. There is no cover for your own car. • Car Rating Group – All other things being equal, driving a Porsche probably poses more risk than driving a Skoda. This is why cars are placed in ‘groups’ for insurance purposes. Fast, high-powered cars with large engines will cost much more to insure than low-power, economy models, partly because they can potentially cause a lot more damage but also because they tend to cost more to repair. Vehicles with a good safety record and/or cheap spares attract a lower rating and vice versa.• No Claim Discount – The good news. For every claim-free year up to a certain number, your company should give you a premium discount. Accumulating consecutive claim-free years builds towards higher discounts and cheaper premiums. Focus on your actual number of claim-free years. Discounts vary, but it’s always the number of years which earns the discount. Finally, just a thought - when almost every study shows black cars have around 12% more accidents, why don’t insurers offer a colour-based discount?
Eliminating car insurance gender bias - is it working as planned? On the 21st of December 2012 a European Union mandate came into effect making it illegal to charge different rates of car insurance based on gender. On the surface this may seem like a well intentioned law for the prevention of discrimination due to the ultimate accident of birth, but in practice this is exactly the kind of good intention that the paving stone based proverb warned us against. There exists an exaggerated stereotype of the boy racer, driving a loud car with an outsized engine above the town's speed limit with the joint intentions of impressing the girls and riling the elderly. Of course this cliche is insulting to the thousands of men who learn to drive each year without being tempted to perform doughnuts in the municipal park but at the same time there are no exhaust fumes without fire. Young men aged between 17 and 22 are ten times more likely to be in accident than adults aged over 35, whilst the cost of their individual claims average out at £3,300 higher. Whether these numbers are the result of aggressive 'Lad' culture or just down to excess testosterone is a subjective opinion, but the impact on insurance rates is plain for all to see. Prior to the mandate coming into effect the Automobile Association charged women in the 17-22 age bracket almost £900 less per year than their male counterparts. When the law changed the difference had to be made up from the female side, so they saw a rise in their premiums to match the drop in male rates. A broad average was calculated at £300 per year. The upshot of this is that an innocent party must pay to cover a recklessness for which they are blameless. Before the changes came into effect there existed specialist insurance companies that catered only to female parties. By doing so these groups could offer discounted rates as standard and allow women drivers to take advantage. Gaudy pink advertising campaigns proliferated with tacky jingles that inverted the crass misogynistic snubbing of female drivers and instead wooed them as something privileged and special. After the ruling such companies are required by law to cater equally to men and have no legal ability to discriminate against these potentially expensive clients. The only way left to discourage these menfolk is to try and dissuade them with pink envelopes and female focused gifts, a strategy that will only work up to a point. In the time since the ruling came into effect it was inevitable that insurance rates would have become more expensive for young women and this has proven to be the case. It should be noted that in spite of this mandated equality, the average annual wage earned by female workers in 2016 is lower than the male average by £5,600. It is troubling to accept that there is no easy European Union mandate that could address such an endemic disparity and that a comparatively small equalizer has been lost.
Shopping Around for UK Car Insurance - Is it really worth while? Looking for cheaper insurance for your car? Most older drivers pay far higher premiums than they should, considering their lower accident records. Young people aged 16 to 18 pay up to six times more on insurance premiums than drivers aged over 60 do, and for some motorists their insurance payments account for 18 per cent of their monthly salary. With insurance prices seemingly on the rise, is it possible to shop around for cheaper car cover without sacrificing quality? Here are some of the different options available to we women. Price Comparison Websites Price comparison websites are usually the first place consumers go when they are looking for a new car insurance policy. They offer a quick and easy way to check the price of dozens of different insurance companies, and some websites boast that 99 per cent of people can find a cheaper quote using their service. Rather than filling in personal details for every insurer, customers enter them just once on a comparison website and it checks the prices of all available policies in just a few minutes. It's easy to see why these websites are so popular, but they do have their disadvantages. Some insurance companies have withdrawn their policies from appearing in results in an effort to attract customers themselves. Other insurance companies that actually own comparison sites have been accused of bias. Also, it can be difficult to customise a policy for those who require specialised insurance needs. Insurance Brokers Thanks to the rise of price comparison websites, most consumers don't think about consulting an insurance broker. In fact, most consumers don't know exactly what it is an insurance broker does. Insurance brokers act as an intermediary between insurance providers and the consumer. A good broker knows the market and the best providers, and they know how to get the best deal for their customers. However, brokers are now a niche part of the insurance industry, and it can be difficult to find a broker with good recommendations. Customers also have to pay for their services, which can increase the overall price of an insurance policy. However, insurance brokers can be invaluable for drivers who have special circumstances. Specialist brokers serve a purpose for drivers who have a criminal conviction or disability which affects their insurance policy. Some brokers also have experience of the import car market and commercial car insurance. While the majority of drivers won't benefit from paying for an insurance broker, their services are very useful for drivers with specific requirements. Insurance Companies It's easy to overlook the option of shopping direct with insurance companies. Many motorists instinctively trust talking meerkats or loud opera singers with their car insurance policies, but checking individual insurance providers has its advantages. It may take longer to input personal information into several different websites, but most insurance providers offer more detailed policy options as well as the likes of multi-car discounts and cashback offers. Some insurers cannot be checked via price comparison websites and these are usually the type of providers which offer cheaper policies for customers who go direct. Also, some companies offer discounted prices on other insurance policies and supermarket providers often have the likes of loyalty card points, in-store deals and breakdown cover. Is Shopping Around Worth the Time? Motorists have several ways to shop for car insurance, and the savings they can enjoy definitely makes the effort worthwhile. Although the majority of motorists will find a good deal with price comparison websites or going direct to the insurers themselves, insurance brokers shouldn't be disregarded for those who have specialist cover requirements.
Adverse weather conditions can be dangerous! With the promise of low temperatures, rain, ice and a chance of snow, the cold winter months are no picnic. However, that time of year is even worse for those of us who are utterly reliant on our cars. Accidents which are caused by wet road conditions increase by a staggering 267 per cent in the winter months, and 48 per cent of all accidents during this time of year are a result of skidding. While we should all be prepared for poor weather conditions throughout the year, the autumn and winter months bring an increased likelihood of difficult driving conditions. Avoid becoming a statistic and follow these simple tips for travelling in bad weather. Remember the Fundamentals The Highway Code is hardly bedtime reading material, but it is worth brushing up on how to drive in poor weather conditions. Driving on icy or wet roads will drastically increase your braking time so increase the distance you keep between vehicles in front. Keep to the speed limit and try to keep your braking, accelerating and steering as smooth as possible. Also, know when it is safe to use your vehicle's fog lights or dipped headlights. Check Your Insurance Policy It's always important to make sure that you are adequately covered in case of an accident or collision, but you may want to consider taking out additional protection on your policy if there is a spell of bad weather. Breakdown cover will prove to be an invaluable safety net for the winter months, and many drivers who are in an accident benefit greatly from a courtesy car. Opportunistic thieves are also on the rise during this time of year, so personal possession cover can take away some of the damage caused by loss of property. Some insurance companies even cover the theft of handbag contents and pushchairs in their policies. Prepare Your Car Performing a few simple vehicle checks before you set off on a journey will drastically reduce the likelihood of breaking down or losing control of your car in poor weather conditions. Checking that your tyres are inflated properly and have adequate tread depth can make a huge difference when driving in icy or snowy weather. Make sure your coolant levels are topped up with the right amount of antifreeze and that you always have enough petrol in case you get stuck in an unexpected traffic jam. Also, never drive with limited visibility. Rushing around for work in the morning is difficult enough without having to scrape all your car windows, but it's better to be safe than sorry. Invest in an Emergency Car Kit Whether you lose control of your vehicle in the rain or you just get stuck in a persistent clump of snow, make sure you have the essentials packed in case of a breakdown. The likes of a reflective jacket, torch, snow shovel and tow rope will see you through most of the emergencies which can be caused by poor weather conditions. Also, your car battery will run down much quicker during the winter months, so it's always worth carrying jump leads in case you need a helping hand.
Carrying Very Young Passengers Safely The thought of driving with a young passenger can be enough to make even the most experienced of motorists feel nervous. Many new mums drive like they are carrying precious cargo and find it difficult to take their eyes off the back seat. This behaviour is understandable as statistics show that car crashes are the leading cause of death among young children, accounting for nearly 40 per cent of all child fatalities. Younger passengers can also be a distraction, especially when they're old enough to kick the driver's seat and ask the horrifying phrase "Are we there yet?” Of course, while children and babies are at a much higher risk of injury in the event of an accident or collision, driving at half the speed of the limit isn't necessarily the safest way to travel with them in the car. Here are some tips and advice to help you drive safely with younger passengers. Safety First It's important to follow the correct procedures for car seat safety. Position and install the car seat with close reference to the manufacturer's instructions and take note of warnings regarding front or passenger side airbags. Make sure you know how to securely fasten the harness, and always check it does not come loose and fits the child snugly. Don't Skimp on Car Seats You should know when it is time to buy a new car seat. Children grow quickly, and a car seat designed for new-born babies will not be suitable for toddlers. Also, well-worn seats can be uncomfortable for children if the padding isn't as good as it used to be, and they can be be dangerous if the buckles don't fasten properly or the belts are frayed. Car seats are used a lot, and they may not necessarily last long enough to be suitable for younger siblings. Similarly, you should be wary if you are considering buying a second-hand child's seat. Check the seat thoroughly to make sure the belt fastens properly and that there are no signs of cracks. A loose harness or broken car seat won't restrain a child properly if the car is in an accident. Broken seats can cause serious injury in a collision. Also, using a seat which is too big or too small for a young passenger can affect insurance claims and even lead to civil proceedings if the car is in an accident. Don't Give into Demands Younger passengers won't understand the importance of car safety, and they will most likely try to test your patience by taking off their belt or by trying to move around the car. No matter how much they protest, make sure all young passengers are secure at all times, and make sure that it is always an adult who is the one to put on their seat belts and undo them when the car is stopped. This can help establish the importance of safety, and stop younger passengers from taking off their belts midway through a car journey. If they do take off their belt, stop the car when it is safe to do so and belt them back in. This will ensure they are securely fastened in, and reinforce the importance of safety.
Common Car Insurance Scams Car insurance is a little cheaper this year - even for many women who have been hit by the EEC Gender Directive. It’s hard to tell why, but two things are certain – 1) insurers don’t expect their profits to drop any time soon; and, 2) companies are getting better at spotting false claim, so motorists are now funding fewer fraudsters through their premiums. According to AA figures, the last four years have seen an 89 per cent increase in the average motor premium, which has now reached £840 – with much of this attributed to false claims. Scams are often hard to spot (that’s why fraudsters use them) and the metropolitan police say they are costing insurers £392m a year, adding £50 to £100 to each motorist’s premium. Here are details of the main ones to help you steer clear of trouble: 1. Deliberate accidents It has become quite common for criminals to intentionally cause accidents. Sometimes they work solo, but often use an accomplice in another vehicle to 'engineer' an accident. Slamming on brakes suddenly, or colliding with a vehicle changing lanes, are the commonest types of incident. To avoid these, be aware of any drivers who seem to be hesitant, or paying you unusual attention. Don’t let yourself get distracted – this makes you a promising target. Keep good lane discipline, and don’t wander. Don’t tailgate other vehicles – it’s dangerous anyway, and puts you right in the frame for a set-up accident. 2. Flash-for-cash A nasty variant of the staged accident - another driver gives a ‘courtesy’ flash of headlights for you to proceed across their rightful path, and then drives into your car. The villain will, of course, deny everything and, without strong contradictory evidence, you’re in trouble. To keep clear of this one, you have to be wary of all such courtesies and try to allow some extra space to ‘bale out’ if it goes wrong – better still, unless it’s your mother-in-law, just stick to the rules of the road. Should the worst happen, take careful details of everyone involved, witnesses, insurance details, weather conditions etc. Also, use your phone to take careful photos of all vehicles involved, all damage, and any relevant pictures of the scene. Where you believe a fraud may have occurred, tell the police and your insurer. Informing the police helps protect your interests too, and may help deter fraudsters. Avoid any attempts to get you to pay cash at the scene, and report this also. 3. The approved repair scam Unfortunately, it’s not just on-the-road villains you have to watch. Motor insurers have ‘agreements’ with certain ‘approved’ repairers. According to a Channel 4 Dispatches report, these practices do help keep motor premiums down. However, in the worst cases, they prevent motorists accessing necessary specialist repairs, often resulting in the fitting of cheap substitute parts, which may compromise vehicle safety for individual motorists. It pays to ask to see all invoices; read and check them; and query absolutely anything you don’t understand – there could be surprises.
The Aston Midshires Insurance Scam - How Did It Start? Aston Midshires Insurance, Astuto Insurance, and Car Insurance Warehouse were all setup by Daniel Buckharee. Using these fake insurance broking websites, he defrauded members of the public, especially young drivers, both female and male, by offering quotes 15% lower than legitimate car insurance quotes. By January 2012 the Financial Services Authority were warning the public about policies issued by Aston Midshires Insurance, as the supposed underwriter, European Wood AB, was in liquidation. This meant that the policies were worthless, and their holders were unwittingly driving without insurance. Buckharee started a fourth website called First Car Direct Insurance when he became aware that the police were investigating him. This new scam brought in over £40,000 in just its first three weeks. This is small change though compared to the £550,000 plus that he raked in between September 2011 and April 2012. How Did It Come To Light? The Motor Insurer's Bureau contacted the City of London police in October 2011 after receiving complaints about Aston Midshires Insurance, Astuto Insurance, and Car Insurance Warehouse. Police from the Insurance Fraud Enforcement Department (IFED) tracked Aston Midshires Insurance to an apartment in Battersea in south-west London. Prosecutor Ann Milligan described what the IFED found there as a fraud factory. Police recovered items including bank cards, chequebooks, mobile phones, and an iPod with a fake office soundtrack on it. Played through speakers, it provided what sounded like call centre background noise, helping deceive unwitting callers. Police also recovered a whiteboard with the names of nine fake employees, with their supposed roles listed next to them. One of these was a non-existent salesman called David Wood, named after Detective Chief Inspector David Wood, head of the IFED. What's Happening To Those Responsible? Buckharee pleaded guilty to two counts of Fraud by False Representation, and three counts of Money Laundering. Another six men are currently on trial on similar charges for aiding Buckharee. All six deny the charges levelled against them, but Ann Mulligan remains unimpressed. The prosecutor told jurors that even if the accused didn't know precisely what was going on, they should have known that it was suspicious at least. Buckharee was sentenced to three years' imprisonment at the end of the trial. DCI Wood described this as the biggest case the IFED investigated in 2012, and expected Buckharee to pay the price for his fraud. With Fraud by False Representation carrying a maximum sentence of ten years in prison, Buckharee's guilty plea may have saved him a much longer spell in gaol.
Cameras on Your Windscreeen - Are they Really Useful? Female drivers can often feel vulnerable, especially those on their own or accompanied by small children. Fortunately, technology in cars is getting more and more sophisticated. Just a few years ago, in-car technology was completely innovated by the likes of Bluetooth connectivity and MP3 playback. Now, the gadgets in some high-end cars can rival those owned by even the most serious techie enthusiasts. Features like LCD touchscreen interfaces, built-in GPS, app support and even collision detection software are now commonplace in many vehicles, and the development of in-car technology shows no signs of slowing down. However, perhaps the most useful technological innovation in recent years has been a relatively simple one, and it is available to almost all car owners at little cost. What is a Dashboard Camera? Dashboard cameras, or 'dashcams', are digital recording devices which are used by motorists to capture their driving. The cameras are typically mounted on the inside of the car on the dashboard and point toward the windscreen. This way, motorists can record the road ahead and document their journey in video form. The cameras are small and unobtrusive (typically the size of a digital camera) and they can either be hardwired into the electrical system of the vehicle or be charged and run off a battery. Similarly, the cameras can either be fixed into place by a simple suction cup on the windscreen or by permanently attaching a mount to the inside of the vehicle. The cameras use SD or Micro SD memory cards to record footage, and these cards can be plugged into a PC or other compatible device to transfer and watch the footage. Why are they Used? Dashboard cameras have been used by the police for years to record high-speed chases so the footage can be used as evidence in court. However, following the huge price-drop of digital cameras in recent years, the technology has been adopted for the consumer market. Prices and features of different models can vary, but a dashboard camera can be bought for as little as £20. An increasing number of motorists are using the cameras to record their journeys just in case an accident occurs, and even technophobes will quickly get to grips with the easy to use technology. Many cameras offer high definition recording and audio input, and large capacity memory cards can record hours of footage. Thus, if a driver is ever in an accident and they are not at fault, the clear video recording provided by their well-positioned dashboard camera will be hard to dispute. How Useful are they in Case of an Accident? The rise in demand for dashboard cameras in Europe has largely been attributed to their popularity in Russia. The country is notorious for false insurance claims (from pedestrians and motorists alike) and police corruption, so many motorists rely on their recordings to prove their innocence. However, interest in the technology has also soared thanks to popular compilation videos shared on websites like YouTube. Videos of car accidents and ludicrous insurance claim attempts are usually promptly uploaded to the Internet to be shared with others. Many European insurance companies are praising the technology, and some even offer premium discounts of up to 15 per cent for drivers who have a camera installed. The AA firmly believe that evidence of a collision or accident is much more likely to expedite the progress of an insurance claim and ensure that the right people are proven to be at fault.