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
Officials announced for 2026 Eisteddfod in Pembrokeshire
THE NATIONAL EISTEDDFOD returns to Pembrokeshire in 2026, and organisers have named the officials who will steer this major cultural event over the next year and a half.
With the artistic and local committees already established, meetings to finalise competitions and adjudicators are underway to ensure the List of Competitions is ready by spring. Committee members have also been voting over the past weeks to elect key officials for the Executive Committee.
John Davies, former leader of Pembrokeshire County Council, has been appointed Chair of the Executive Committee. Known for his deep connection to Pembrokeshire and extensive experience with national organisations, Davies aims to make the Eisteddfod a true community event, welcoming involvement from all corners of the region.
Tegryn Jones, Chief Executive of Pembrokeshire Coast National Park, takes on the role of Deputy Chair (Strategy). With a strong passion for Welsh culture and language, Jones brings a wealth of experience working with local communities, visitors, and volunteers across three counties.
Deputy Chair (Culture) is Carys Ifan, Director of Canolfan Egin and a seasoned cultural organiser. Based in Llangrannog and originally from Llandudoch, Ifan has led numerous artistic and community projects across the region.
Cris Tomos, a community development veteran with over 30 years of experience, will lead the 2026 Eisteddfod Local Fund. Working with PLANED, a community development charity, Tomos has supported countless community enterprises and co-operatives in Pembrokeshire, Ceredigion, and Carmarthenshire.
Non Davies, recently elected as Executive Committee Secretary, brings extensive cultural management expertise as Ceredigion County Council’s Corporate Manager for Culture. Having chaired the Cardigan Local Fund Committee for the 2022 Ceredigion Eisteddfod, Davies is well-versed in managing cultural projects.
National Eisteddfod Chief Executive, Betsan Moses, said: “We’re looking forward to working with John and the team over the next few months as we prepare for the 2026 Eisteddfod.
“There’s almost a quarter of a century since the Eisteddfod was last held in Pembrokeshire, and we’re very much looking forward to returning to the area. 2026 is an important year for us as we celebrate 850 years since the first Eisteddfod was held in Cardigan Castle in 1176.
“We’re looking forward to working in a new way within a catchment area which includes parts of another two counties, which is, of course, a chance to work with local people in Ceredigion and Carmarthenshire again.”
Further announcements are expected in the coming weeks, including the sale of competition prizes and opportunities to donate the Crown and the Chair.
The National Eisteddfod will be held in Llantood from August 1–8, 2026.
News
Campaigners urge Welsh Government to adopt proportional representation for Local Elections
CAMPAIGNERS are calling on the Welsh Government to introduce the Single Transferable Vote (STV) system for local elections, following moves by two councils to shift away from the First Past the Post (FPTP) system being blocked on technical grounds.
Yesterday (Nov 14), Ceredigion Council voted narrowly, with an 18 to 17 majority, in favor of adopting STV. This follows Gwynedd Council’s decision last month, where 65% of councillors backed the move. However, both councils have been prevented from implementing STV due to a requirement for a two-thirds majority under the Local Government and Elections (Wales) Act 2021.
In recent consultations, public support for STV has been overwhelming, with over 70% in Gwynedd and 67% in Ceredigion favoring the change. Only Powys Council rejected the proposal, despite 60.5% of its respondents supporting STV. Campaigners argue that the current system deprives voters of representation, citing that over 100,000 people were denied a vote in the 2022 elections due to uncontested seats.
The Electoral Reform Society Cymru (ERS Cymru) highlights the contrast with Scotland, where the introduction of STV for local elections in 2007 has significantly reduced uncontested seats. According to ERS Cymru, Scotland has had fewer uncontested seats in the last four elections combined than Gwynedd Council recorded alone in 2022.
Jess Blair, Director of ERS Cymru, said:
“Decisions made in council chambers affect everyone in those areas, so every vote should count. It’s absurd that councils choosing STV are blocked by a technicality, leaving them stuck with an outdated system that denies representation to thousands. The Welsh Government must act to avoid repeating the undemocratic outcomes of the last elections.”
Campaigners are now calling on the Welsh Government to introduce STV across all councils in Wales, ensuring representation that reflects the electorate’s wishes.
Business
Upgrades completed at Port of Milford Haven’s simulator suite
UPGRADES have been completed to state-of-the-art equipment within the Port of Milford Haven’s navigation simulator suite at Milford Waterfront enabling marine professionals to receive bespoke specialist training. The virtual reality simulation system can safely replicate a range of scenarios that seafarers may experience in real world situations such as extreme weather conditions, emergency situations and escort tug work.
The upgrades provided by Netherlands-based company MARIN contain the latest hardware in terms of processing power and graphics, as well as upgrades to MARIN’s ‘Dolphin’ software, increasing the capability to create scenarios. These are complemented with new 4k visuals on 75” screens which increase the depth and field of vision, adding to the realism.
Recently, a training day was led by Training Pilot Captain Mark Johnson, assisted by ex-Pilot Andy Hillier, involving members of the Svitzer team as well as Pilots Matt Roberts and Ian Coombes. As part of the scenario, they were faced with a loss of engine power and steering along with worsening weather and sea conditions. The Pilots had to communicate with Svitzer in order to successfully instruct them on how to tow and direct a drifting tanker. While scenarios like these are uncommon within port operations, it is important to rehearse procedures that would be implemented if they are required and enhances participants’ skill sets.
Marine Pilot and Simulator Instructor, Captain Ewan McNicoll, said “This simulator suite has future proofed our training capabilities, both internally for Pilots and marine staff, but also externally for clients wishing to use the facility, be it for training purposes or research and development. We can create any type of scenario with any type of ship, ranging from practicing ship handling manoeuvres to emergency situations, it really is game changing! Working with our partners at MARIN has been a complete success and I am very proud of our new facility.”
For more information about training at the navigation simulation suite please contact the Port of Milford Haven at [email protected] or 01646 696100.
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