Tuesday, 17 December 2024
BEATING DRIVING ANXIETY ON YOUR DRIVING TEST
Beating Anxiety on Your Driving Test
DRIVING CONVICTIONS
What is Dangerous driving conviction?
Lets see here what constitutes a driving conviction,
and how you can avoid a increase in your insurance costs because of one.
What constitutes as
dangerous
driving?
All motoring offences determined by magistrates or
at a crown court will lead to a criminal conviction and it can can be
anything from causing death by dangerous driving or driving under the influence
of alcohol, to speeding or failing to wear a seatbelt.
All these offences can lead to a fine, penalty
points on your licence, disqualification and, in extreme cases, imprisonment.
But it’s not just the manner of your driving that
can lead to convictions. You may be committing an offence if you are driving a
defective vehicle, perhaps driving at night with no rear lights, or driving
without insurance or a valid licence or MOT. These offences can also lead to a
driving conviction.
The rules are the same, whether the person pleads
guilty, or is found guilty by the court.
However, offences that are committed but dealt with
by way of a fixed
penalty notice, do not lead to criminal convictions. The fixed penalty
notice is served because the authorities believe the offence is serious, but
not serious enough to be considered by a court of law.
Here are some of the examples listed by the police as
to what constitutes as dangerous driving, but not limited to:
- Speeding,
racing, or driving aggressively
- Ignoring
traffic lights, road signs
- Overtaking
dangerously
- Driving
under the influence of drink or drugs, including prescription drugs
- Driving
when unfit, including having an injury, being unable to see clearly,
not taking prescribed drugs, or being sleepy
- Knowing
the vehicle has a dangerous fault or an unsafe load
Distractions are also causes of dangerous driving,
for example:
- Using
a hand-held phone or other equipment
- Reading,
or looking at a map
- Talking
to and looking at a passenger
- Lighting
a cigarette, selecting music, tuning the radio
Do I have to
declare my driving convictions?
You will need to declare your convictions, both
motoring and criminal when getting a quote for an insurance policy. If you fail
to do so your insurance may be invalid and your insurer may cancel the
policy.
In the event of a claim you may not be paid, and if
you have already been paid for a claim and a previous conviction becomes
apparent, your insurer can ask for its money back.
Sunday, 20 October 2024
AA calls for graduated driving licensing for new drivers
The AA is calling on the government to introduce a Graduated Driver Licence (GDL) to protect newly qualified drivers, limiting newly qualified drivers from carrying peer-age passengers for the first six months after passing their test.
·
One in five young drivers crash
within a year of passing their test and 1,500+ young drivers are killed or
seriously injured each year.
·
72% of AA members think a graduated
licence limiting passengers is good idea.
·
Call for a Graduated Driver Licence
comes as the AA launches a motoring manifesto with five key pledges.
·
Safer roads, fixing potholes,
scrapping smart motorways, helping EV transition, keeping costs down, and
career paths for young people in the industry, are all included.
An average of five people per day
are killed on UK roads and 82 are seriously injured, but one in five young
drivers crash within a year of passing their test and 1,500+ young drivers are
killed or seriously injured each year.
Its
asking government to make five key pledges to improve Britain’s roads.
1.
Supporting drivers: keeping
motoring costs low through fuel duty freeze, better fuel price transparency and
reducing Insurance Premium Tax.
2.
Sustainable
future: providing the right incentives, infrastructure, and information to
support the switch to zero emission vehicles. For example, helping those
without on-street parking by cutting VAT for on-street EV charging.
3.
Smoother journeys: addressing
the pothole crisis with ring-fenced funds and use of technology for more
permanent repairs. Scrapping the failed experiment of ‘smart’ motorways.
4.
Safer roads: reducing
road deaths through setting clear targets, increased roads policing and
addressing the tragedy of new driver deaths through graduated licences such as
restricting passengers for six months after passing their test.
Strengthening the industry: providing support to the sector
to enable greater investment in innovation and skills. Maintain push for
regulations to allow access to vehicle data to improve the safety, convenience,
running costs and environment via connected car services.
Experts Reveal
How to Overcome Driving Anxieties
Driving is a skill many of us take for granted. But for some, it’s a
real source of anxiety..
Whether it’s the thought of merging
onto the motorway, the fear of shifting from an automatic to a manual
vehicle, or simply the worry of getting behind the wheel of your used car,
driving anxieties are common.
Mental health coach Jeremy Schneider states: “Driving is challenging
because it highlights the anxieties we feel about not feeling in control. But
there are ways we can help ourselves when we feel that way – whether it is
driving or in other life situations.”
Anxiety specialist Zoe Clews echoes this idea: “Parking, motorway driving, and
driving at night can all be big triggers for nervous drivers simply because
they require more focus and are therefore more intense. In all of these
situations, which demand a higher level of control and concentration, there is
more ‘scope’ in an individual’s mind for things to ‘potentially go wrong’.”
Sam Sheehan, a motoring editor at cinch, the UK’s leading online used
car retailer, has teamed up with Zoe and Jeremy to help anxious drivers
overcome their fears and be more confident on the road.
A lot of drivers find motorways intimidating – it’s especially common in
new drivers who don’t have much experience on them. Higher speeds, multiple
lanes, and merging into traffic are some of the things people find stressful.
Sam Sheehan recommends easing into it and taking your time to get used
to motorways: “There’s no rush to get comfortable driving on the motorway. It’s
key to take your time and start with short trips when the roads are quiet, if
possible. Don’t be afraid to ask a more experienced or confident driver to come
along with you for support either.
“Before setting out, plan your route to decide where you’ll get on and
off the motorway and brush up on lane discipline. When you get onto the
motorway, stick to the left lane until you feel confident enough to overtake in
the middle and right lanes.”
Going from automatic to manual
Research by Direct Line Group shows the number of people taking driving
tests in automatic cars rose to 42% of all driving tests in 2020/21.
Sam Sheehan suggested this trend could be due to, “drivers feeling
intimidated by driving manual” and that, “maybe tech is making us less likely
to master or refresh manual driving skills.”
Also, 2.2 million people who learnt to drive in an automatic car are
aged under 35, and younger drivers (18-24 years old) report the highest stress
levels at 59%. That suggests young people could be so worried about driving a
manual car that they avoid it completely and won’t have the chance to get over
it unless they pass a manual driving test.
It can be the same for drivers who took their tests in a manual car but
have been driving an automatic for some time, too. Relearning the skill may
also make them feel apprehensive.
Sam Sheehan has offered some advice to those looking to make the switch
and ease their anxieties:
“If you have a manual license, don’t be afraid to take your time to get
back into using gears after driving an automatic.
“Start by practising during quieter times in a safe, open space such as
an empty car park. This environment allows you to focus on the mechanics of
driving a manual without the stress of traffic, while you rebuild your muscle
memory.
“Practice regularly and be patient with yourself. It’s normal to stall
or make mistakes initially, but with consistent practice, your confidence and
skills will return.”
General Driving Anxiety
General driving anxiety can stem from a few things, including past
negative experiences, fear of accidents, or lack of confidence. Overcoming
these challenges takes a combination of mental and practical strategies.
The mental approach
Anxiety specialist Zoe Clews explains that the most common causes of
driving anxiety include being involved in or witnessing a car accident. “The
subconscious mind is your inner protector and doesn’t understand time. When you
experience shock or trauma, it sets up a protective defence mechanism – anxiety
– to keep you safe, even if the incident occurred decades ago.
“The individual may understandably start avoiding specific roads, like
motorways, or driving altogether, as human behaviour tends to avoid perceived
painful situations. However, the issue is that anxiety thrives on avoidance,
causing the fear to grow.”
She also recommends self-talk as a way of working through this anxiety:
“Our ability to bounce back from adrenaline spikes, catastrophising thoughts,
panic attacks, and anxious moments comes from our self-talk.
“When we get anxious, we tend to judge ourselves harshly, often telling
ourselves we are foolish for panicking over certain things. But the more we
judge ourselves, the more anxious we become, creating a vicious cycle of
anxiety and self-criticism.
“Learning to talk to ourselves in a kind, reassuring, and encouraging
way when facing driving anxiety may feel strange and indulgent, but it is the
foundation to overcoming your fears.”
Physical techniques
According to mental health coach Jeremy Schneider, one of
the best ways to combat the physiological effects of anxiety is by
breathing.
“We take about 20,000 breaths per day without ever thinking about it.
But if we take a big breath in and then exhale longer than we inhaled, we will
slow down our nervous system.
“For instance, breathe in for 5 seconds and out for 7 seconds. Do that
for ten breaths and see how you feel and then repeat.”
Driving anxieties, whether specific or general, are more common than we
might think. The key to overcoming these anxieties lies in preparation,
practice, and patience.
Remember, it’s perfectly normal to feel nervous about driving, but with
the right strategies and support, you can become more confident and relaxed.
Saturday, 12 October 2024
A NEW WAY TO PAY FOR YOUR CAR INSURANCE
Pay Per Mile Schemes: A New Way to Pay for Car Insurance
In today's fast-paced world, driving has become a normal part of life. But have you ever thought about how much you truly drive? That's where pay-per-mile schemes come into play. This fresh approach to car insurance charges you based on how much you actually drive. Let’s break it down!
What Are Pay PerMile Schemes?
So, what exactly are pay per mile schemes? Simply put, these insurance plans charge you for each mile you drive. Instead of paying a flat fee, you pay a small amount for every mile you hit the road. This type of insurance is perfect for folks who don’t drive very often and want to save on costs.
How Do They Work?
Getting started with a pay per mile scheme is usually pretty simple. You sign up with an insurance company that offers this option, and they’ll often give you a device to track your mileage. Or, they might ask you to use an app on your phone to keep tabs on how much you drive. The less you drive, the less you pay!
For example, if you only drive 5,000 miles in a year, your bill could be much lower than someone who drives 15,000 miles. Isn’t that neat?
Who Benefitsfrom Pay Per Mile Insurance?
Many people can benefit from pay per mile schemes. If you work from home, take public transport, or only drive on weekends, this insurance could save you cash. It's like only paying for the gas you use—why pay for a tank if your car’s mostly parked?
Moreover, this type of insurance can appeal to younger drivers or those with less driving history, where traditional insurance can be pricey.
Pros of Pay Per Mile Schemes
1. Cost Savings
One of the biggest perks is the potential for cost savings. If you drive less, you could see significant reductions in your insurance fees. Think of it like paying for your gym membership based on how often you actually go. If you rarely hit the gym, you shouldn't pay a high fee!
2. Encourages Safer Driving
With pay per mile schemes, there’s a built-in incentive to drive safely. Since you want to keep your miles low, smooth driving can lead to fewer accidents and claims. It’s all about driving with a purpose!
3. Environmentally Friendly
Less driving means less fuel consumption and fewer emissions. If you care about the planet, choosing a pay per mile scheme can help you feel good about your impact. You’re saving money and being kinder to Mother Earth at the same time.
Cons of PayPer Mile Schemes
1. Not Ideal for Heavy Drivers
If you’re someone who drives a lot—like for work or long commutes—this option might not be for you. The costs could rack up quickly, and you may end up paying more than you would with traditional insurance.
2. Tracking Concerns
Some people may feel uneasy about being tracked. While most companies ensure your data remains private, the idea of someone always knowing where you are might not sit well with everyone.
IsPay Per Mile Insurance Right for You?
To sum it all up, pay per mile schemes offer a modern solution to car insurance. They can save money, reward safe driving, and help the environment. Think about how much you actually drive before deciding if this type of insurance is the right fit for you.
In the end, it’s about choosing what works best for your lifestyle and budget. Are you ready to hit the road and only pay for the miles you use?
Wednesday, 9 October 2024
PRO AND CONS OF LEARNING TO DRIVE IN AUTOMATIC CAR
Pros and Cons
of Learning to Drive in
Automatic Car.
The latest data from the DVSA reveals that automatic driving tests are at
an all-time high. There was an increase of
40% in new drivers taking
automatic driving tests since last year.
Here are some differences that should be taken into account when
deciding whether to learn in automatic car or manual car.
When learning how to drive, there’s are many decisions to be taken , one of them being the
type of car you want to learn in. And it’s important to make the right decision
for you.
The key difference
between a manual and an automatic car is how much work you will need to do
as a driver. In a manual car, there are three pedals – accelerator, brake, and
clutch, using the gears to increase or decrease your speed.
In an automatic car, there are only two pedals – an accelerator and a
brake, with the automatic gearbox doing the hard work for you.
So, with automatic cars seems doing all the hard work, it’s important to
understand the pros but also the cons of learning in an automatic before taking
final decision.
The pros of learning in an automatic
car
1. No clutch control required
Being able to stop/start the car without the added stress of using the
clutch can be beneficial for new drivers. As an automatic car will change your
gears for you, you don’t have to worry about gear changes in busy traffic.
2. Automatic cars are more inclusive
Automatic cars are a great choice for those learning to drive who have
physical disabilities or medical conditions. Especially for those who have
limited mobility, the two-pedal option is a great choice instead of 3 and gear
box.
3. Less risk of stalling
Something that is really common when learning to drive is stalling.
There is very little risk of stalling an automatic as there is no clutch, which
some learners prefer.
4. Easier to drive
An obvious pro is of course, that an automatic is easier to drive. With
the car changing gears for you, this gives you more time to focus on manoeuvres
and other aspects of the driving test.
The cons of learning in an automatic
car
1. Higher car costs
Automatic cars are usually more expensive to buy than manual, so be
prepared to pay a little more when it comes to buying your first car.
2. Expensive Driving Lessons
Generally driving lesson rates
for automatic cars are higher than manual cars and you can pay around £10-20 per hour more for driving lessons in an
automatic car.
2. More expensive to repair
With more advanced technology and complex mechanics, automatic cars are
usually more expensive to repair. So, these costs are definitely something to
budget in when planning to purchase your first automatic car.
3. Limitations in the future
If you choose to learn
in an automatic, this does limit you to only driving automatic cars in the
future. While electric cars continue to rise in popularity, passing your
driving test in a manual car still offers more flexibility, as it allows you to
drive both manual and automatic car models in the meantime.
Tuesday, 8 October 2024
MOTORISTS TO TAX VEHICLES WITHOUT LOG BOOK
Motorists to
tax vehicle without log book and tax reminder letter
Motorists applying for a duplicate V5C (log book) can now tax their vehicle without needing to wait for their log book to arrive.
DVLA has announced a new service update that allows motorists to tax
their vehicle even if they have lost their V5C (log book) and their vehicle tax reminder letter (V11).
Previously,
customers who had lost these documents would have had to wait up to 5 days for
a replacement V5C to arrive, or phone DVLA’s Contact Centre to tax their
vehicle. This latest update will allow customers to apply online for a new V5C
and tax their vehicle at the same time.
This is the first
time that DVLA has linked their online registration service with their online
licensing service, allowing the customer to self-serve through the 2 digital
channels in one seamless customer journey.
Julie Lennard, DVLA
Chief Executive, said:
We are always
looking for ways to improve our digital services to provide more convenience
for motorists. This latest enhancement will enable customers who have misplaced
or lost their V5C to get a replacement and tax their vehicle quickly and
easily.