Do you reside in one of these automobile insurance rip-off regions?

Vehicle insurers who automatically renew your cover when it ends are costing you money, and if you live in the Midlands or the South East of England, you could be hit worse than drivers anywhere else.

Chris Heaton-Harris MP (Con, Daventry) with Peter Plumb, MoneySuperMarket CEO

Our investigation has already identified drivers who do not shop about are missing out on £1.3 billion worth of savings each year when their policies are automatically renewed by their insurers.

Now a regional breakdown of the data reveals that where you live has a weighty impact on how badly you’ll be hit.

Rip-off regions

Auto-renewals cost English drivers in the South East the most (£307 million), followed by these in the Midlands (£240 million), South West (£150 million) and North West (£137 million).

North of the border in Scotland, savings lost simply because of auto-renewals total much more than £32 million, although motorists in Wales are missing out on savings totalling £21 million.

Here’s a breakdown of how a lot every region is losing to auto renewals:

Election unique

With a basic election looming, we also looked at how the constituents of essential political celebration figures such as David Cameron and Ed Miliband compared.

Motorists in the Prime Minister’s Witney constituency are missing out on possible savings of up to £2.7 million by falling prey to their insurer’s auto-renewal tricks.

Alan Campbell MP (Lab, Tynemouth) and Peter Plumb talk about the auto-renewals report.

Meanwhile, Ed Miliband’s driving constituents are being ripped off by auto insurance providers to a lesser extent than Cameron’s – but motorists in the Labour leader’s North Doncaster powerbase could nonetheless save up to £2 million.

The PM’s Lib Dem coalition companion Nick Clegg represents the Sheffield constituency of Hallam, where drivers could shave £1.66 million off their insurance coverage policies by providing auto renewals the boot.

And although George Osborne attempted to balance the books in final week’s Budget, policyholders in his Cheshire constituency of Tatton need to have to comply with suit and save up to £2.3 million by avoiding auto-renewing.

‘Many motorists have no idea’

Dan Plant, editor-in-chief at MoneySuperMarket, mentioned: “Auto-renewal tricks are costing the nation’s drivers dearly, and require to stop.

“Motorists in the South East could be the worst off currently, but the whole market needs shaking up to support stifle the tricks of the trade.

“Many motorists have definitely no notion that they’re agreeing to auto-renewal when they buy their policy in the very first location, and insurers can often make it difficult for clients to keep away from renewing.”

We’re taking a stand

MoneySuperMarket is leading the charge against auto-renewals, and not too long ago launched an 8-point strategy to challenge the business and quit customers wasting their cash.

It involves recommended improvements such as drivers becoming asked no matter whether they want to opt-in to auto renewals or not, and forcing insurers to clearly show you how much you paid for cover last year so you can see how considerably far more or less pricey the renewal cost would be.

We’re campaigning hard for urgent modify, and a lot of MPs have backed our calls for market reform. But as and when your auto insurance coverage comes up for renewal, you ought to take power into your own hands and decline to auto-renew your policy until you have utilized a comparison tool to shop about for a greater price tag.

Do you reside in one of these automobile insurance rip-off regions?

Do you reside in a single of these automobile insurance rip-off regions?

Car insurers who automatically renew your cover when it ends are costing you money, and if you live in the Midlands or the South East of England, you could be hit worse than drivers anywhere else.

Chris Heaton-Harris MP (Con, Daventry) with Peter Plumb, MoneySuperMarket CEO

Our research has already found drivers who don’t shop around are missing out on £1.3 billion worth of savings every year when their policies are automatically renewed by their insurers.

Now a regional breakdown of the data reveals that where you live has a weighty effect on how badly you’ll be hit.

Rip-off regions

Auto-renewals cost English drivers in the South East the most (£307 million), followed by those in the Midlands (£240 million), South West (£150 million) and North West (£137 million).

North of the border in Scotland, savings lost because of auto-renewals total more than £32 million, while motorists in Wales are missing out on savings totalling £21 million.

Here’s a breakdown of how much each region is losing to auto renewals:

Election special

With a general election looming, we also looked at how the constituents of key political party figures such as David Cameron and Ed Miliband compared.

Motorists in the Prime Minister’s Witney constituency are missing out on potential savings of up to £2.7 million by falling prey to their insurer’s auto-renewal tricks.

Alan Campbell MP (Lab, Tynemouth) and Peter Plumb discuss the auto-renewals report.

Meanwhile, Ed Miliband’s driving constituents are being ripped off by car insurance providers to a lesser extent than Cameron’s – but motorists in the Labour leader’s North Doncaster powerbase could still save up to £2 million.

The PM’s Lib Dem coalition partner Nick Clegg represents the Sheffield constituency of Hallam, where drivers could shave £1.66 million off their insurance policies by giving auto renewals the boot.

And while George Osborne attempted to balance the books in last week’s Budget, policyholders in his Cheshire constituency of Tatton need to follow suit and save up to £2.3 million by avoiding auto-renewing.

‘Many motorists have no idea’

Dan Plant, editor-in-chief at MoneySuperMarket, said: “Auto-renewal tricks are costing the nation’s drivers dearly, and need to stop.

“Motorists in the South East may be the worst off currently, but the whole industry needs shaking up to help stifle the tricks of the trade.

“Many motorists have absolutely no idea that they’re agreeing to auto-renewal when they purchase their policy in the first place, and insurers can often make it difficult for customers to avoid renewing.”

We’re taking a stand

MoneySuperMarket is leading the charge against auto-renewals, and recently launched an 8-point plan to challenge the industry and stop customers wasting their money.

It includes suggested improvements such as drivers being asked whether they want to opt-in to auto renewals or not, and forcing insurers to clearly show you how much you paid for cover last year so you can see how much more or less expensive the renewal price would be.

We’re campaigning hard for urgent change, and many MPs have backed our calls for industry reform. But as and when your car insurance comes up for renewal, you should take power into your own hands and decline to auto-renew your policy until you have used a comparison tool to shop around for a better price.

Do you reside in a single of these automobile insurance rip-off regions?

Do you reside in a single of these car insurance rip-off regions?

Automobile insurers who automatically renew your cover when it ends are costing you funds, and if you live in the Midlands or the South East of England, you could be hit worse than drivers anyplace else.

Chris Heaton-Harris MP (Con, Daventry) with Peter Plumb, MoneySuperMarket CEO

Our research has already located drivers who don’t shop about are missing out on £1.3 billion worth of savings every year when their policies are automatically renewed by their insurers.

Now a regional breakdown of the data reveals that where you reside has a weighty effect on how badly you’ll be hit.

Rip-off regions

Auto-renewals expense English drivers in the South East the most (£307 million), followed by these in the Midlands (£240 million), South West (£150 million) and North West (£137 million).

North of the border in Scotland, savings lost simply because of auto-renewals total far more than £32 million, whilst motorists in Wales are missing out on savings totalling £21 million.

Here’s a breakdown of how considerably each region is losing to auto renewals:

Election unique

With a general election looming, we also looked at how the constituents of important political celebration figures such as David Cameron and Ed Miliband compared.

Motorists in the Prime Minister’s Witney constituency are missing out on possible savings of up to £2.7 million by falling prey to their insurer’s auto-renewal tricks.

Alan Campbell MP (Lab, Tynemouth) and Peter Plumb discuss the auto-renewals report.

Meanwhile, Ed Miliband’s driving constituents are being ripped off by vehicle insurance providers to a lesser extent than Cameron’s – but motorists in the Labour leader’s North Doncaster powerbase could still save up to £2 million.

The PM’s Lib Dem coalition companion Nick Clegg represents the Sheffield constituency of Hallam, where drivers could shave £1.66 million off their insurance coverage policies by giving auto renewals the boot.

And even though George Osborne attempted to balance the books in last week’s Spending budget, policyholders in his Cheshire constituency of Tatton need to stick to suit and save up to £2.3 million by avoiding auto-renewing.

‘Many motorists have no idea’

Dan Plant, editor-in-chief at MoneySuperMarket, stated: “Auto-renewal tricks are costing the nation’s drivers dearly, and need to stop.

“Motorists in the South East could be the worst off presently, but the entire sector demands shaking up to aid stifle the tricks of the trade.

“Many motorists have definitely no idea that they’re agreeing to auto-renewal when they obtain their policy in the initial location, and insurers can often make it challenging for clients to keep away from renewing.”

We’re taking a stand

MoneySuperMarket is leading the charge against auto-renewals, and lately launched an 8-point strategy to challenge the industry and cease buyers wasting their income.

It contains suggested improvements such as drivers being asked regardless of whether they want to opt-in to auto renewals or not, and forcing insurers to clearly show you how significantly you paid for cover final year so you can see how considerably more or significantly less costly the renewal value would be.

We’re campaigning difficult for urgent alter, and several MPs have backed our calls for business reform. But as and when your automobile insurance comes up for renewal, you need to take power into your own hands and decline to auto-renew your policy till you have utilized a comparison tool to shop around for a better price.

Do you reside in a single of these car insurance rip-off regions?

How lengthy you reside could rely on exactly where you reside

Your life expectancy at birth depends in element on what nation you live in. The excellent news is that, according to the Word Bank, Australia enjoys one particular of the highest life expectancies in the globe, with these born in 2012 anticipated to live till 82 years of age on average. In reality there are only 6 nations with a larger life expectancy (83) at birth than Aussies these are:

• France


• Hong Kong SAR, China


• Iceland


• Italy


• Japan


• Switzerland

Beyond these venerable borders, what is the current life expectancy at birth for some of our worldwide neighbours?

USA – Current life expectancy at birth is 79. Regardless of unmatched wealth, United States citizens do not enjoy unmatched health. According to the USA’s Centers for Disease Manage and Prevention (CDC), heart disease is the single most frequent lead to of deaths in America, causing practically 600,000 deaths per year. This is closely followed by cancer, with chronic reduced respiratory illnesses and stroke third and 4th respectively. While heart illness can be triggered by a hereditary condition, there are also a number of life style variables that can play a portion, which includes smoking, high total cholesterol,  getting physically inactive and getting overweight or obese.

New Zealand – Existing life expectancy at birth is 81. Our close neighbours, New Zealanders are doing quite nicely for themselves in regard to life expectancy, with steadily increasing lifespans and declining death rates across all ages. According to the Ministry of Wellness, the leading result in of death for all demographics is cardiovascular illness, followed by lung and breast cancer. Cardiovascular illnesses presently account for 30% of deaths annually, but a lot of of these deaths are premature and preventable. Diet program and smoking are the 2 main contributing variables to heart disease in New Zealand.

China – Present life expectancy at birth is 75. Becoming the world’s biggest customer of tobacco products, it comes as no surprise that cancer is the major cause of death in China. Practically a third (28.1%) of the adult population presently smoke, and somebody in China dies around every 30 seconds due to tobacco use. Heart disease has the second highest mortality price in China, with one in 5 adults in China getting a cardiovascular illness. This accounts for 20.9%/17.9% (urban/rural)  deaths in China per year.

Japan – Current life expectancy at birth is 83. Japan is naturally doing one thing proper, possessing the highest life expectancy at birth of any Asian nation. That becoming mentioned, Japan does have significantly higher numbers of individuals with cancer, with cancer getting practically double the mortality rate as the subsequent most prominent trigger of death (cardiac disease). Stomach cancer especially is extremely prevalent in Japan due to particular aspects of the standard Japanese diet plan, which includes huge amounts of salt, and lots of pickled/preserved foods. Nonetheless it is worth noting that compared to countries like North America that have very higher rates of youth-primarily based homicides, street and gang violence is practically non-existent in Japan, top to very low rates of homicide among Japanese youth.

These are just examples from a modest handful of our neighbours. There are a lot of other individuals, which includes some with significantly decrease life expectancies – such as Sierra Leone, with a life expectancy at birth of just 45 (due in component of a higher rate of kid and maternal morbidity as nicely as a high disease burden). There are in truth a number of African countries with life expectancies under 60.  You can check out the Globe Bank data for much more information.

How lengthy you reside could rely on exactly where you reside

Do you reside in a drink and drug-driving hotspot?

Llandrindod Wells, Blackpool and Crewe are the worst places in the UK for drink and drug driving convictions, our exclusive information has revealed.

Looking at 11 million quotes run more than the previous year, we’ve identified the worst offending postcodes for driving beneath the influence.

Worryingly, we’ve also located that, when compared to final year, the number of men and women driving soon after drinking or taking drugs could be on the rise.

Here’s a closer appear at what our information-mining uncovered, and the extent of drink driving in the UK…

All’s not Properly in Wales

Breaking the drug and drink-driving laws will land you with a driving ban of at least 12 months, a fine of up to £5,000 and, in some cases, a prison sentence of up to 6 months.

The message nevertheless is not receiving via to everybody, although.

The mid-Wales town of Llandrindod Wells has knocked final year’s worst offender, Aberdeen, off the prime spot with the highest proportion of offences for drink and drug-driving. In the LD postcode, there were 1.9 convictions per 1,000 drivers, compared to the Scottish city’s 2013 score of 1.5.

Blackpool (FY) and Crewe (CW) take the second and third spots, both with conviction rates of 1.8 per 1,000 drivers.

Capital offences – or the lack of them

Meanwhile, London dominates the charts for the fewest convictions. Half of the top 20 are postcodes within the M25 and on the periphery of central London – no doubt a consequence of very good public transport hyperlinks.

Kevin Pratt, our vehicle insurance expert, stated: “In a rural location such as Llandrindod Wells it could be the lack of public transport and the misguided belief they won’t get caught that is top individuals to drink and drive. Or perhaps motorists are driving the morning right after the night ahead of, when they still have excess alcohol in their technique.

“Whatever the circumstances, the reality remains that driving although more than the limit is usually illegal – there is just no excuse.”

Convictions according to occupation

We’ve also broken down convictions by profession, and identified that workers laying Tarmac are the most probably to be caught driving below the influence of drink or drugs – perhaps due to the fact they begin early in the morning with alcohol in their program from the night ahead of – while typists are the most law-abiding.

‘Face the consequences’

Guys are more than twice as likely to drive following drinking or taking drugs as ladies, says the information, although drivers in their early twenties (aged 20-24) are most likely to offend, with 2.5 convictions per 1,000 motorists.

Peter Rodger, chief examiner at the Institute of
Advanced Motorists, mentioned: “It’s almost 50 years considering that breathalysers had been introduced however incredibly there are nevertheless men and women drink-driving and putting lives at risk.

“Motorists have to face the consequences of their actions.  Even after a ban is served, a conviction will see insurance premiums shoot up by an typical £350 – which is far more than the expense some people’s policies in the first place.

“The message is actually simple. If you are driving, don’t drink at all. If you are drinking, don’t drive at all.”

That suggestions is specifically helpful for motorists taking to Scotland’s roads from December 5, when the legal limit is getting lowered from 80mg of alcohol in 100ml of blood to just 50mg, which effectively signifies just one particular drink could be sufficient to push you over the limit.

Do you reside in a drink and drug-driving hotspot?

Do you reside in a drink and drug-driving hotspot?

Llandrindod Wells, Blackpool and Crewe are the worst areas in the UK for drink and drug driving convictions, our exclusive information has revealed.

Searching at 11 million quotes run over the previous year, we’ve identified the worst offending postcodes for driving under the influence.

Worryingly, we’ve also found that, when compared to last year, the number of individuals driving soon after drinking or taking drugs could be on the rise.

Here’s a closer appear at what our data-mining uncovered, and the extent of drink driving in the UK…

All’s not Properly in Wales

Breaking the drug and drink-driving laws will land you with a driving ban of at least 12 months, a fine of up to £5,000 and, in some circumstances, a prison sentence of up to 6 months.

The message still is not getting by way of to everyone, even though.

The mid-Wales town of Llandrindod Wells has knocked final year’s worst offender, Aberdeen, off the best spot with the highest proportion of offences for drink and drug-driving. In the LD postcode, there have been 1.9 convictions per 1,000 drivers, compared to the Scottish city’s 2013 score of 1.5.

Blackpool (FY) and Crewe (CW) take the second and third spots, each with conviction prices of 1.8 per 1,000 drivers.

Capital offences – or the lack of them

Meanwhile, London dominates the charts for the fewest convictions. Half of the leading 20 are postcodes inside the M25 and on the periphery of central London – no doubt a consequence of great public transport links.

Kevin Pratt, our vehicle insurance expert, mentioned: “In a rural location such as Llandrindod Wells it could be the lack of public transport and the misguided belief they will not get caught that’s top men and women to drink and drive. Or possibly motorists are driving the morning soon after the evening before, when they nonetheless have excess alcohol in their method.

“Whatever the circumstances, the fact remains that driving although more than the limit is often illegal – there is simply no excuse.”

Convictions according to occupation

We’ve also broken down convictions by profession, and found that workers laying Tarmac are the most most likely to be caught driving below the influence of drink or drugs – possibly due to the fact they start off early in the morning with alcohol in their program from the night just before – although typists are the most law-abiding.

‘Face the consequences’

Men are far more than twice as likely to drive after drinking or taking drugs as ladies, says the information, although drivers in their early twenties (aged 20-24) are most most likely to offend, with 2.5 convictions per 1,000 motorists.

Peter Rodger, chief examiner at the Institute of
Advanced Motorists, said: “It’s nearly 50 years considering that breathalysers had been introduced however incredibly there are still men and women drink-driving and placing lives at threat.

“Motorists have to face the consequences of their actions.  Even right after a ban is served, a conviction will see insurance premiums shoot up by an average £350 – which is more than the price some people’s policies in the 1st place.

“The message is really simple. If you are driving, do not drink at all. If you are drinking, do not drive at all.”

That advice is especially beneficial for motorists taking to Scotland’s roads from December 5, when the legal limit is getting decreased from 80mg of alcohol in 100ml of blood to just 50mg, which efficiently means just one particular drink could be sufficient to push you over the limit.

Do you reside in a drink and drug-driving hotspot?

Do you reside in a drink and drug-driving hotspot?

Llandrindod Wells, Blackpool and Crewe are the worst places in the UK for drink and drug driving convictions, our exclusive information has revealed.

Searching at 11 million quotes run over the previous year, we’ve identified the worst offending postcodes for driving under the influence.

Worryingly, we’ve also located that, when compared to last year, the quantity of individuals driving following drinking or taking drugs could be on the rise.

Here’s a closer look at what our data-mining uncovered, and the extent of drink driving in the UK…

All’s not Properly in Wales

Breaking the drug and drink-driving laws will land you with a driving ban of at least 12 months, a fine of up to £5,000 and, in some circumstances, a prison sentence of up to 6 months.

The message still isn’t getting through to absolutely everyone, even though.

The mid-Wales town of Llandrindod Wells has knocked final year’s worst offender, Aberdeen, off the leading spot with the highest proportion of offences for drink and drug-driving. In the LD postcode, there have been 1.9 convictions per 1,000 drivers, compared to the Scottish city’s 2013 score of 1.5.

Blackpool (FY) and Crewe (CW) take the second and third spots, each with conviction rates of 1.8 per 1,000 drivers.

Capital offences – or the lack of them

Meanwhile, London dominates the charts for the fewest convictions. Half of the top 20 are postcodes within the M25 and on the periphery of central London – no doubt a consequence of very good public transport hyperlinks.

Kevin Pratt, our car insurance coverage expert, mentioned: “In a rural place such as Llandrindod Wells it could be the lack of public transport and the misguided belief they will not get caught that’s major individuals to drink and drive. Or possibly motorists are driving the morning soon after the night ahead of, when they still have excess alcohol in their technique.

“Whatever the situations, the truth remains that driving while more than the limit is always illegal – there is simply no excuse.”

Convictions according to occupation

We’ve also broken down convictions by profession, and found that workers laying Tarmac are the most likely to be caught driving beneath the influence of drink or drugs – perhaps since they start early in the morning with alcohol in their method from the night prior to – even though typists are the most law-abiding.

‘Face the consequences’

Men are more than twice as most likely to drive after drinking or taking drugs as girls, says the data, whilst drivers in their early twenties (aged 20-24) are most likely to offend, with 2.5 convictions per 1,000 motorists.

Peter Rodger, chief examiner at the Institute of
Sophisticated Motorists, stated: “It’s almost 50 years considering that breathalysers had been introduced but extremely there are still people drink-driving and placing lives at risk.

“Motorists have to face the consequences of their actions.  Even soon after a ban is served, a conviction will see insurance coverage premiums shoot up by an average £350 – which is more than the price some people’s policies in the initial spot.

“The message is genuinely straightforward. If you are driving, don’t drink at all. If you are drinking, do not drive at all.”

That advice is particularly useful for motorists taking to Scotland’s roads from December 5, when the legal limit is becoming decreased from 80mg of alcohol in 100ml of blood to just 50mg, which properly signifies just one particular drink could be sufficient to push you more than the limit.

Do you reside in a drink and drug-driving hotspot?

Such a Tease: 2017 Jaguar XE Configurator Goes Reside

Jaguar’s new BMW 3-series competitor, the 2017 XE sedan, only just debuted at the 2014 Paris auto show, and already the automaker has launched a preliminary on the web configurator so fans can start playing around with the model’s various configurations. (Verify it out here.) We’re as excited as any person for the XE, but these looking for a full-blown XE fantasy machine with a complete choices list and pricing will be disappointed.

So far, Jaguar’s on-line construct-your-own tool for the XE permits users to select among 3 models—XE, XE R-Sport, and XE-S—and select interior and exterior colors, wheels, and, on choose models, minor things like headlights and cabin-trim styles.

There is no indication of what stuff costs, normal equipment, or what sort of optional extras XE buyers can appear forward to, but the R-Sport trim level indicates Jag will have an intermediate sport model to combat the likes of BMW’s 3-series M Sport or Lexus’s IS250/IS350 F Sport automobiles. (Jaguar utilizes R to denote high-overall performance models witness the XFR, XJR, and the F-variety R coupe.) No mention is produced of engine selections, but we currently know the XE will supply U.S. buyers a turbocharged 4-cylinder in each gas and diesel guises, as nicely as a supercharged V-6. All-wheel drive will be obtainable.

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We uncover Jaguar’s choice to start letting people fiddle around with their XE practically a bit curious. Following all, right here in the U.S., the XE does not go on sale until early 2016. That is a long time to tantalize the masses and auto journalists alike.

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Such a Tease: 2017 Jaguar XE Configurator Goes Reside

2015 Lexus NX (Junior) Configurator Now Reside

If you’ve truly been dying to know how what the all-new Lexus NX compact crossover appears like in distinct colors—and you know who you are—today is your fortunate day.

Lexus’s international internet site has added an on the internet brochure for the NX that involves a junior configurator that makes it possible for you to choose your favorite NX model (obtainable in NX200t and NX300h varieties), colour, and wheels. Sadly, certain pricing and selection-package particulars are nowhere to be found—we’ll have to wait till Lexus’s U.S. internet site configurator is loaded up with NX information for that. Appear for Car and Driver’s very first driving impressions of the RX300’s smaller sized sibling appropriate right here within a couple of weeks.

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2015 Lexus NX (Junior) Configurator Now Reside