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Making In-Sure: Why Car Insurance Is A Must
from:One undeniable truth about modern life in the UK is that
driving is an established part of the everyday routine and
hugely important for those who rely on their cars. In fact, in
2006, 81% of men and 63% of women in Great Britain held a full
car driving licence.
There is, then, a clear majority
of those who do drive as opposed to those who don't. This
highlights that, despite small fluctuations, there has been a
steady rise in the number of drivers on the UK's roads for
many years when the statistics are compared with the same
numbers 30 years earlier, only 29% of women and 69% of men could
legally drive.
Surprisingly, an increase in other forms
of travel hasn't altered the steady increase in the usage of
cars. In terms of road travel for example, bus and coach traffic
increased by 53% between 1980 and 2006, motorcycle traffic
increased by 38% between 1996 and 2006 and even pedal cycle
traffic, between 2000 and 2006, grew from 4.2 to 4.6 billion
vehicle kilometres, the highest since 1992.
The majority of the growth in road usage, however, has been in car
traffic. Since 1980, there has been an 87% rise, with 402
billion kilometers being traveled in 2006 by cars alone. It
seems they remain, and become increasingly, essential to the
average Brit. This need to drive, however, can have unfortunate
effects. With so many people contributing to road usage, a
certain number of collisions are obviously expected. In 2006,
there were around 189,000 road accidents, with around £8
billion of insurance claims to compensate for the resulting
damage.
Accidents are so prevalent because there are so
many causes, from falling asleep to adverse weather conditions,
from playing music to tiredness, from drink and drugs to using
mobile phones. Even a whole range of animals have been blamed
for accidents. Motorists have blamed cats, dogs, deer, rabbits
and even bees for causing accidents from which claims have been
made.
There are, however, plans to construct a car that
is effectively crash proof. Volvo are developing a vehicle
that, aside from having the best in-vehicle safety systems, will
actually be able to avoid crashing at all, by monitoring other
road users and avoiding hazards, even being able to move out of
the path of other cars when in danger. Although the car will not
be on general sale for a few years, it represents the continued
efforts to protect not only drivers and passengers, but vehicles
too.
Until then, car insurance will continue to be the only option to protect against accidental damage. Indeed, it is illegal to drive without having protection, due to the sheer number of accidents
every day that have to be paid for. With driving maintaining its
importance for so many of the UK's population, minor mishaps
will, inevitably, continue to be a danger, so drivers should be
covered when those mishaps happen.
About the author:
Paul McIndoe writes for a digital marketing agency. This article has been commissioned by a client of said agency. This article is not designed to promote, but should be considered professional content.
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