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.
Local Government
Cabinet backs major leisure investment plan for Pembrokeshire
New centres proposed for Milford Haven and Pembroke as ageing facilities face replacement
PEMBROKESHIRE COUNTY COUNCIL’S Cabinet has approved a major investment programme aimed at transforming leisure facilities across the county.
The multi-million-pound Leisure Investment Programme includes plans for new leisure centres in Milford Haven and Pembroke, alongside a £4.6 million package to repair and extend the life of Tenby’s swimming pool.
Cabinet members were told that both Pembroke and Milford Haven leisure centres are reaching the end of their usable life. Pembroke Leisure Centre opened in 1974, while Milford Haven’s facility followed in 1984, ten years after the site’s original swimming pool.
The report highlighted that maintaining the ageing buildings would require millions of pounds in ongoing repairs, with replacement now seen as the most sustainable long-term solution.
For Milford Haven, Cabinet approved £1.2 million to develop detailed plans, including design work and pre-construction activity. The proposed new leisure centre would be built alongside the town’s planned new primary and secondary school development.
In Pembroke, councillors agreed £195,000 to carry out feasibility studies for a new leisure centre on the existing site.
Meanwhile, Tenby’s swimming pool will receive a £4.6 million capital grant awarded to the Tenby and District Swimming Pool Association, which owns the facility. The funding is expected to extend the pool’s lifespan by at least ten years, allowing time to explore longer-term options, including possible integration with future secondary school provision in the town.
Cllr Rhys Sinnett, Cabinet Member for Residents’ Services, said the decision marked a major step forward.
He said: “We have taken a significant step towards delivering leisure facilities that are fit for the future and meet the needs of our communities.
“We are committed to providing high-quality sports and leisure provision across Pembrokeshire, and where significant investment is required, we will not shy away from it. These facilities play a vital role in supporting long-term health and wellbeing.”
Health
Owain Wyn Evans highlights hearing health concerns across Wales
NEW research has revealed just how closely sound is linked to identity in Wales — but also raised concerns about declining hearing health across the country.
A study commissioned by Specsavers and fronted by broadcaster and drummer Owain Wyn Evans found that nearly half of adults in Wales have noticed changes in their hearing in recent years, yet many are failing to act.
Sound shapes Welsh identity
The research found that seven in ten people in Mid and West Wales (69%) say hearing a Welsh accent is what makes Wales feel most like home. Over half also pointed to the Welsh language (59%) and the sounds of the countryside (57%) as central to their sense of belonging.
Community events also play a key role, with 68% saying occasions such as Eisteddfodau and local fêtes bring people together through shared sound — more than those who cited singing at rugby or football matches (59%).
Overall, 65% of respondents said sound is an important part of their Welsh identity, with Welsh choirs (54%) and everyday language (53%) also featuring strongly. Around 40% said losing the ability to hear these sounds would make them feel less connected to Welsh culture.
Hearing issues on the rise
Despite this strong emotional connection to sound, the study highlights growing concerns around hearing health.
Some 45% of adults said they have noticed changes in their hearing in recent years. However, more than a quarter have taken no action.
Exposure to loud environments appears to be a key factor. Nearly three in ten people (29%) reported experiencing temporary muffled hearing or ringing in their ears after live music or gigs, while one in five (21%) said the same after visiting nightclubs.
Across Wales, 38% said they had experienced similar symptoms after live events, yet only 24% of those who noticed a decline in their hearing had a hearing check in the past two years. More than a quarter (28%) said they have taken no action and do not plan to.
Owain Wyn Evans shares personal experience
The findings are personal for Owain Wyn Evans, 42, who has experienced hearing changes himself.
The Ammanford-born broadcaster said: “I first noticed changes to my hearing about five years ago. I’ve been drumming since I was ten, often in very loud environments like rugby and social clubs, and over time I realised I was missing parts of conversations.
“It was a shock to be told there had been changes, but it made me take my hearing health seriously.
“Sound is such a huge part of who we are in Wales — from the countryside to the sea. Protecting our hearing means protecting those connections.”
Barriers to seeking help
Despite recognising the importance of hearing, one in three people (33%) admitted they have never taken steps to protect it. More than a third (38%) said they would feel more confident wearing glasses than using hearing devices.
For some, taking action has been life-changing. Cardiff-based former DJ Amal Luchmun, 56, said hearing loss had begun to affect everyday life.
“My hearing loss became a conversation killer,” he said. “I’d find myself guessing what people were saying and avoiding noisy environments because it was exhausting.
“Since getting a hearing device, the difference has been huge. I recently went to a Six Nations match and could hear everything clearly and chat easily with people around me.”
Experts urge early action
Annie Morris, head of clinical performance at Specsavers, said hearing changes often go unnoticed.
“Changes to our hearing usually happen gradually, and the brain adapts to missing sounds,” she said. “People often don’t realise how much they’re missing until it starts to affect conversations.
“On average, people wait around ten years before seeking help. While hearing loss can’t be reversed, acting early can slow further decline.”
She added that simple steps such as wearing ear protection in loud environments and booking regular hearing checks can make a significant difference.
Checks available across Wales
Specsavers stores across Wales offer hearing tests both in-store and through home visits for those unable to travel.
News
Wales faces infrastructure shortfall without urgent reform, commission warns
WALES risks falling behind on its long-term infrastructure needs unless major barriers to planning, funding and delivery are tackled, a leading advisory body has warned.
The National Infrastructure Commission for Wales (NICW) this week (Mar 23) published two major reports setting out what the country will need over the next 80 years — and why current systems are failing to deliver.
The Wales Infrastructure Assessment examines key sectors including energy, transport, water, digital and the circular economy, while a separate Infrastructure Delivery Report focuses on how projects can be better planned, funded and completed.
The Commission says that despite strong policies already in place, many major projects are delayed or fail to progress due to systemic problems. These include complex approval processes, short-term political and funding cycles, and a shortage of skilled workers.
It also highlights a lack of joined-up thinking across sectors, with transport, energy and digital systems often planned in isolation, leading to inefficiencies and missed opportunities.
Concerns were also raised about fragile confidence among communities and investors, driven by frequent policy changes, inconsistent engagement and uncertainty over long-term funding.
NICW has identified eight priority actions to improve delivery, including longer-term funding commitments, planning reform, better collaboration between sectors, investment in skills, and earlier engagement with communities.
Dr David Clubb, Chair of the Commission, said: “Wales has no shortage of ambition. What we face is a shortage of delivery. Unless we address the structural barriers in the system, we will not meet the needs of current or future generations.
“The next Senedd must be prepared to make long-term, and sometimes difficult, choices.”
The reports also stress the importance of better data and long-term planning, drawing on international approaches to support more informed decision-making.
With the Senedd election approaching, the Commission said the next Welsh Government will have a critical opportunity to reset how infrastructure is delivered — and warned that failure to act could undermine economic growth, climate targets and public confidence.
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