Monthly Archives: February 2013

Mobile phone insurance – call to combat phone crime!

Mobile phone crime is on the up – why is this the case and what can we do about it?

Last year alone, over three hundred and thirty mobile phones were reported stolen to the police. Taking into account the fact that many phone thefts are not reported, it is estimated this figure could be as high as nearly three quarters of a million were stolen throughout last year alone.

Who are the people most at risk of phone theft? Children under fifteen years of age (in particular, those between the ages of 11 and 15) are most at risk of mobile phone theft according to the government.

iphone

What can be done to beef up the security of our children’s mobile phones (besides not providing them with one)? Perhaps the mobile phone companies can come to our rescue.
If it weren’t for mobile phone theft, street robberies would be down and so the Home Office is, quite rightly getting involved through lobbying manufacturers to improve phone security. For the last year the government have been hoping to persuade the mobile phone manufacturers to install immobilisers via each phone’s IMEI (International Mobile Equipment Identity) which is expected to dramatically reduce the crime statistics overnight. Through the IMEI a network is able to immobilise a phone deeming it useless immediately it is reported stolen. Unfortunately two major networks Vodafone and BT Cellnet have refused to set in place such security measures straight away until they have launched new generation phones.

What we can do ourselves to improve our mobile phone security is to keep phones concealed as much as we can. The tendency is to place the mobile phone in front of you on the coffee shop or café table. Everybody does it. Instead, just simply keep your mobile phone in your pocket or in your bag (ensuring your bag is safe too). Phone thefts are such a problem in London that the Metropolitan police are stressing that the public should take responsibility and not make calls whilst walking along the street. In other words, don’t attract attention to yourself and your phone.

In the event of having your phone stolen, the ideal scenario is to have mobile phone insurance which will allow you to replace your phone without added expense to yourself. Remember, when you take out a policy on your mobile phone to check with the terms and conditions.

Why is young drivers insurance so expensive and how can you avoid paying huge premiums?

It is a fact of life that driving is an expensive affair for the young driver. Not only do driving lessons set you back a pretty penny there’s the driving insurance premiums to find which are generally considerable. The reasons for this are down to the hard facts and statistics involving the problems associated with young drivers due in the main to inexperience.

Younger drivers will have more accidents than mature drivers say the statistics the insurance underwriters depend on when providing quotes. In addition there is a greater extent of fire, damage and theft associated with the younger driver’s insurance claim. Additionally, the new driver is most likely to have an accident within the first year or two of passing his or her test. Younger drivers will take more risks than the mature driver (apparently!) and are less likely to be able to spot potential dangers and react to them.  For these reasons, the insurance companies view the young driver as a high risk customer.

Notably, the young new male driver is considered a much greater risk than the young new female is more likely to get involved in an accident and so is considered an even greater risk. New young boy drivers will suffer via the statistics involving male young new drivers before them with high premiums.

A solution to shelling out the new young driver’s huge insurance premiums is for their parents to add them to their insurance policy. Unfortunately, many are unaware that when they add their children onto their insurance policies they are actually conducting a form of insurance fraud.

When young people pass their driving test and cannot afford the rather considerable premiums of driving independently they are often added to their parent’s policy named as secondary drivers although they are actually main drivers in their own right to save money. This is called ‘Fronting’ and can have very serious consequences for the policy holders involved. The costs of driving are huge but don’t risk getting banned before you even start!

Car insurance is expensive for everyone but I do feel sorry for boy new drivers. They are of particular interest to the insurance company. Why? Because they, according to insurance companies, are more influenced by their friends and so likely to want to drive fast cars and drive them fast at that. The new boy driver is more likely than a female to want to add modifications to their car. Though generalizations about the behaviour of new drivers, these are the reasons the insurance companies will only insure them for considerable premiums even if you are the safest most unadventurous driver out there.

To avoid the seemingly spiralling costs of driving why not opt for a sensible car as opposed to a fast sporty number that you might pick just to show off to your friends. And pick one with one with a smaller engine to enjoy the benefits of low car tax and petrol expenses.

Happy driving!