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.
Crime
Emergency bags rolled out to support domestic abuse victims across Dyfed-Powys
Thirty packs provide immediate help for families fleeing dangerous situations
A NEW initiative aimed at supporting victims of domestic abuse has seen thirty emergency bags distributed for use across the Dyfed-Powys Police area.
The bags, which contain essential items including toiletries, non-perishable snacks and emergency supplies, are designed to offer immediate practical support to individuals and families forced to flee abusive situations, often with little or nothing.
The scheme forms part of the Police and Crime Commissioner’s wider commitment to improving outcomes for victims and is being delivered in partnership with Dyfed-Powys Police and Dal i Godi, the commissioned Independent Domestic Violence Adviser (IDVA) service.
Dal i Godi provides specialist support to victims at high risk of serious harm, including safety planning and advocacy through the criminal justice process.
Police and Crime Commissioner Dafydd Llywelyn said the initiative was already proving its value.
“This is an incredible initiative that I’m proud to support,” he said. “It provides meaningful help to those experiencing trauma and reflects our ongoing work to put victims first.
“Within just a few days of the bags being distributed to the Dal i Godi service, one was given to a victim fleeing a domestic abuse situation, along with a children’s pack to support their young family. That shows just how essential this support can be and how quickly it can make a difference.”
Detective Chief Inspector Llyr Williams, from the Dyfed-Powys Police Vulnerability Hub, said the emergency bags could provide a vital lifeline at critical moments.
“These emergency bags offer support at some of the most difficult moments in a person’s life,” he said.
“The contents provide immediate comfort, dignity and practical help for those leaving their homes in crisis. While simple, they represent an important first step towards safety and recovery.
“We are proud to be working with partners across the Dyfed-Powys area to ensure this support reaches people when they need it most.”
Anyone experiencing domestic abuse, or concerned about someone else, is encouraged to seek help. In an emergency, call 999.
Domestic abuse can also be reported online via Dyfed-Powys Police.
Support services available include Victim Support Dyfed-Powys, which offers free and confidential help to anyone affected by crime, whether or not it has been reported, and Dal i Godi, which provides specialist IDVA support for high-risk victims.
The Live Fear Free Helpline offers 24-hour support for those experiencing domestic abuse or sexual violence across Wales.
If you or someone you know is a victim of domestic abuse, please consider reporting it. If you are in danger or need support right away, please call 999.
You can report domestic abuse through the online crime reporting service here: Report domestic abuse | Dyfed-Powys Police.
Support is also available via the below support services:
Victim Support Dyfed-Powys
Free, independent support for anyone affected by crime in the Dyfed-Powys area, whether or not it has been reported to the police.
0300 123 2996
Dal i Godi (IDVA Service)
Specialist support for victims of domestic abuse at high risk, offering safety planning, emotional support, and advocacy with agencies such as police and courts.
01267 221194
Live Fear Free Helpline
24/7 support for anyone experiencing domestic abuse or sexual violence.
0808 80 10 800 | Text 07860 077333
News
Welsh-language school praised for ‘happy, proud and friendly community’
Estyn highlights strong leadership, positive attitudes and a clear curriculum vision at Ysgol Bro Preseli
A WELSH-medium all-age school in Crymych has been praised by inspectors for fostering a “happy, proud and friendly community,” according to a recent Estyn report.
Inspectors said pupils at Ysgol Bro Preseli show pride in their local area, thrive both academically and socially, and are well prepared for the next stages of their learning.
The school currently has 932 pupils on roll, including 118 in the sixth form, and has operated as an all-age school since 2022.
Estyn found that most pupils demonstrate extremely positive attitudes to learning, treat staff with respect, and listen carefully to the contributions of their peers.
The report also notes that, in almost all cases, teachers show strong subject knowledge. Inspectors highlighted the close and supportive relationships staff build with pupils, alongside the creation of a safe learning environment where pupils are not afraid to make mistakes.
It states: “As a result of a clear strategic direction and detailed planning, teachers provide beneficial practical activities that allow pupils to develop purposeful oracy, reading and writing skills in language sessions and across the other areas of learning and experience.”
Inspectors also praised the school’s clear curriculum vision, rooted in its motto Gwreiddiau a Gorwelion (Roots and Horizons).
“Leaders and teachers provide a coherent curriculum and learning experiences that bridge the primary and secondary sectors effectively,” the report said. “Staff plan stimulating activities and experiences for pupils to learn and deepen their understanding within the areas of learning and experience. This contributes positively to the sense of belonging that permeates the whole curriculum of Ysgol Bro Preseli.”
Headteacher Rhonwen Morris said the report was a reflection of the collective effort across the school community.
“As a successful all-age Welsh-medium school, we are delighted that the report recognises our commitment to excellence and the unique identity that makes Ysgol Bro Preseli so special,” she said.
“Since becoming an all-age school in 2022, our cohesive leadership team and governing body have focused on building a strong foundation based on our values of Welsh ethos, kindness, community and responsibility.
“The report highlights the excellent strategic work of staff at all levels, which is a testament to the shared dedication and vision that drives our school forward.
“It is gratifying that the report reflects what we continuously aim to achieve day in and day out. This achievement belongs to our entire community — staff, pupils, parents and governors — and together we will continue to build on this success and provide the very best education for every pupil.”
Charity
Welsh opticians raise £1,600 for people experiencing homelessness
SPECSAVERS Pembroke Dock has helped raise £1,600 to support people experiencing homelessness this winter, with all funds going to The Wallich’s winter appeal.
Thirteen stores from North, South and West Wales donated £1 for every customer feedback form completed during November to help The Wallich, Wales’ largest homelessness and rough sleeping charity, continue its vital work.
Supporting more than 8,000 people experiencing or at risk of homelessness across the nation each year, The Wallich runs around 100 diverse projects across 20 local authorities to provide hope, support and solutions to end homelessness.
Funds raised by Specsavers will go directly to the Wallich’s Flexible Assistance Fund, which provides small but vital emergency grants. The grants support people at crucial turning points, helping cover essential costs such as phone credit, rent or food shops.
This initiative is a continuation of Specsavers’ wider homelessness programme, which sees over a hundred Specsavers stores and Home Visits services hold out-of-hours or pop-up clinics and invite people affected by forms of homelessness to use their services for free.
Specsavers’ North Wales regional relationship manager, Martin Lawrence, who helped organise the fundraiser, says: ‘We’re really proud to be supporting The Wallich’s winter appeal at a time when support is needed most.
‘Homelessness affects people in every community and as locally owned and run businesses, Specsavers stores are committed to raising awareness of the issue and supporting people through their toughest moments.
‘We’re excited to build on the success of this fundraiser and strengthen our partnership with The Wallich in the new year.’
Louisa Turner, head of fundraising at The Wallich, adds: ‘Winter can be an incredibly difficult time for people experiencing homelessness and this support from Specsavers will make a real difference.
‘The funds raised will help provide emergency grants at critical moments – whether that’s putting food on the table, helping someone stay connected with their loved ones or preventing someone from losing a safe place to live.
‘This kind of support creates vital turning points and helps people move towards a safer, more secure future.’
Specsavers works year-round with homelessness charities including Crisis, Vision Care and The Big Issue, to improve access to healthcare and advocate for policy change – ensuring people experiencing homelessness can receive free eye tests, glasses and hearing checks.
To find out more about Specsavers or to book an appointment at your local store, visit: https://www.specsavers.co.uk/stores.
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