News
Car insurance ‘shock’ as premiums rise 40%

A STARTLING surge in car insurance premiums has left British motorists reeling, as the average cost of coverage now stands at a staggering £776 – an alarming 40% increase over the past 12 months alone. This unsettling revelation comes to light following the latest car insurance price index for Q2 2023, powered by WTW, which analysed over 6 million quotes.
These astronomical price hikes have catapulted car insurance into the ranks of the three most expensive household bills, trailing only behind council tax and energy expenses. For the average UK driver, council tax sets them back £984 annually, while energy costs come close at £964, further burdening household budgets.
Nevertheless, amidst this financial turmoil, there remains a glimmer of hope for drivers seeking solace. Surprisingly, some individuals have managed to save money by diligently comparing and switching insurance providers. Research conducted by Confused.com reveals that motorists who shopped around and switched insurers in the past three months saved an average of £63. Regrettably, only a mere 9% reported receiving a cheaper renewal price compared to the previous year.
The experts at Confused.com attribute these escalating prices to a surge in claims and the consequential rise in the cost of processing such claims. The resulting unprecedented increase in car insurance costs can be largely attributed to this surge in claims.
To mitigate the financial burden faced by drivers, Confused.com has issued valuable advice on how to reduce car insurance costs. Additionally, the survey highlights that 40% of Brits are calling on insurers to play a more active role in keeping prices at a manageable level.
Delving further into the data, male drivers are experiencing even more pronounced price hikes, with the average premium now standing at £827. This reflects a substantial 40% increase over the past year and an 18% increase over the last quarter. In comparison, female drivers are paying £690 on average, marking a 40% increase year-on-year and an 18% increase over the quarter. This discrepancy places the average gap between genders at £137.
Location plays a critical role in determining insurance costs, with some drivers now facing premiums over £1,000. Outer London witnessed a substantial 42% increase in prices, resulting in an average premium of £1,003 – the first time it has surpassed the £1,000 mark since the index’s inception. Inner London remains the most expensive region in the UK, with the average driver paying a hefty £1,257.
Unsurprisingly, car insurance prices have risen across all regions, though some areas still experience considerably lower costs. The South West boasts the most affordable average insurance cost, reaching only £509, despite a 36% increase over the past year.
Moreover, age plays a pivotal role in determining the financial burden on drivers. Younger drivers, aged between 17 and 19, face the brunt of these price hikes, paying more than £2,000 for their policies on average. Among this group, 18-year-olds bear the highest costs, with an average premium of £2,404. In contrast, drivers around retirement age enjoy the most favourable prices, with 69-year-olds paying an average premium of just £413.
These variations in pricing can be justified by assessing the risk profile of different demographics. Factors such as claims frequency, location, and age all contribute to the variation in insurance costs. For instance, male drivers typically face higher risk profiles due to driving more miles and owning more expensive cars. Consequently, they are exposed to a higher risk of claims, leading to higher premiums.
To ease the financial strain on motorists, Confused.com offers several ways to potentially reduce insurance costs without altering driving habits significantly:
Accurate Mileage: Driving fewer miles can lead to savings on car insurance, as higher mileage often translates to increased accident risk and claim likelihood.
Voluntary Excess: Increasing the voluntary excess can result in cheaper insurance, although it is essential to ensure affordability in the event of a claim.
Annual Payments: Paying for insurance annually rather than monthly can be a cost-saving measure, as insurers typically charge interest for spreading costs throughout the year.
Enhanced Car Security: Improving vehicle security can lead to reduced premiums. Installing Thatcham-approved car alarms, immobilisers, and using secondary security measures like steering locks all contribute to lower insurance costs.
Amidst this challenging financial climate, Confused.com’s motor expert, Louise Thomas, emphasises the importance of shopping around for the best insurance deal. The competitive industry offers the potential for substantial savings, making switching a wise move for cost-conscious drivers. To incentivise this, Confused.com guarantees to beat renewal quotes or compensate customers with the difference plus an additional £20, providing drivers with peace of mind and financial relief.
Community
Service held at Freshwater West to honour those lost in 1943 naval disaster

TRIBUTES PAID TO SAILORS AND MARINES WHO PERISHED IN LANDING CRAFT TRAGEDY
A MOVING service of remembrance was held at Freshwater West today (Thursday, April 24) to honour the memory of the sailors and Royal Marines who lost their lives when Landing Craft Gun (Large) 15 and 16 and HMS Rosemary were lost off the Pembrokeshire coast in April 1943.
The solemn gathering took place at the memorial above the beach where the disaster unfolded during a fierce storm 82 years ago. Wreaths were laid, prayers were said, and tributes were paid to the bravery and sacrifice of the men who perished in what remains one of Wales’ worst maritime tragedies.
Veterans, serving members of the armed forces, civic leaders, cadets, police, RNLI and residents joined together to pay their respects.

The disaster that should never have happened
On the night of April 25–26, 1943, LCG(L) 15 and LCG(L) 16, heavily laden and caught in a violent Atlantic gale, were refused shelter first at Fishguard and then at Milford Haven. Battered by enormous waves, both landing craft were swamped and ultimately sank off Freshwater West, taking dozens of men with them into the freezing sea.
HMS Rosemary, an ageing Royal Navy sloop, attempted a rescue but suffered tragedy of her own when six sailors drowned after their small boat capsized in the storm.
In total, at least 79 men—Royal Navy and Royal Marines—lost their lives. Many are buried in Milford Haven Cemetery or commemorated at naval memorials in Portsmouth, Plymouth and Chatham.

Community remembers
Representatives from the Royal British Legion, Milford Haven Sea Cadets, and local history groups attended today’s service, alongside members of the public who stood in silent tribute to those who made the ultimate sacrifice.
A minute’s silence was held overlooking the waters where the two landing craft went down, followed by the playing of the Last Post. Wreaths were laid on behalf of Milford Haven Town Council, Pembrokeshire County Council, the Royal Navy, and veterans’ organisations.
Speaking at the event, a representative said: “On this coastline where they were lost, we gather to remember not only their sacrifice, but also the tragedy of their passing. Their memory lives on in Milford Haven, and will never be forgotten.”
Relatives of some of the men travelled from across the country to attend, reflecting the enduring bond between those who serve and the communities they leave behind.
Calls for formal recognition
Despite the scale of the disaster, it received little public attention during the war, and the full findings of the Board of Enquiry were never released. Campaigners are continuing to call for a formal apology and greater national recognition ahead of the 85th anniversary in 2028.
As the wind swept across the beach today, the message from Freshwater West was clear: the sacrifices of April 1943 will always be remembered.
News
Iconic Tenby seafront hotel renovation to take place

WORKS to improve the appearance of a prominent Tenby hotel which overlooks both Caldey Island and St Catherine’s Island have been backed by the national park.
In an application to Pembrokeshire Coast National Park, Martin Phillips of Clarence House Hotel, The Esplanade sought permission for to replace existing signage with “newer, less obtrusive signs,” including a change of the front signage for one incorporating the Clarence’s name and logo.
Tenby Town Council backed the proposals, saying it was a “markedly improved upgrade on the Grade-II-listed hotel, in the town’s conservation area.
An officer report recommending approval said: “There are five new signs proposed as part of this application. These will aim to replace the existing and dated signage currently present on the Clarence House Hotel.
“The Building Conservation Officer has supported the application and has stated that the designs are a clear improvement on the existing situation. The proposed signage is to replace the existing signage with a more modern design; however, this will not impact the heritage of the listed building and has a positive impact on the street scene. The designs are appropriate in terms of design, scale and positioning.
“[Policy] requires that the identity and character of the town and village is not lost. The proposed signage does not compromise the existing character of the building or the streetscape and is therefore acceptable.
“The proposal for new signage for the Clarence House Hotel will have a beneficial impact on the street scene and the conservation area of Tenby. The proposal adheres to all relevant national, regional and local legislation and policy.”
The application was approved by park planners.
Community
Crowds pack Cardigan for Barley Saturday celebrations

CARDIGAN was packed on Saturday (Apr 26) as people gathered for the town’s traditional Barley Saturday festivities.
The popular event, which dates back to the 19th century, saw hundreds line the streets to enjoy a colourful procession of horses, vintage vehicles, and floats. Families, visitors, and locals alike filled the town centre, creating a lively and vibrant atmosphere throughout the day.




The event celebrates Cardigan’s agricultural heritage, when farmers would traditionally come to town to hire workers and show off their best horses after the spring sowing of barley. Today, it remains one of Ceredigion’s most cherished and best-loved annual traditions.
Speaking to The Herald, one visitor said: “It’s brilliant to see the town so full of life. The horses were beautiful, and it’s a fantastic event for all ages.”
Businesses reported a bumper day, with cafés, pubs and shops enjoying a steady stream of customers. Many said it was the busiest they had seen the town in months.
The highlight of the day was the grand parade, featuring impeccably groomed horses and carriages, followed by a wide range of classic and agricultural vehicles. Crowds cheered and applauded as they passed through the town centre.
Organisers said they were delighted with the turnout and the community spirit shown by all those who took part.
(Images: Gareth Davies Photography/Herald)
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