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In the UK, motor insurance suppliers, have identified an increasing number of people travelling by motorbike. The motorbike market continues to be dominated by men but there has been a shift in the type of customer since 2004.

Female First reports, there has seen an increasing number of females opting for the motorbike to help them get around. They claim the number of female riders has doubled over the past three years. Motorbike insurance company, elephant.co.uk also predicts over the next few years, we will continue to see an increase in the number of women riding bikes on the roads in the UK. Lady Insure, claim that women bike riders are statistically much safer on two wheels than men; which means less risk to the bike insurance provider and lower premiums for them.

According to a survey, by elephant.co.uk, there has also been a growing trend of “born again” bikers who are reliving their youth. The over 40’s group tend to have the most cash to splash out for fun lifestyle activities, now that their children have grown up and flown the nest. However this group of riders are most likely to have a crash, as bikes have changed since they learnt to ride. It was also reported that the over 40s were a third more likely to have had an accident than those aged under 40.

Car insurance firms are rejecting around a thousand claims a year, due to parents and their children lying to cut costs and save money.

“Fronting” happens when young drivers buy and register a car in their own name, but the insurer is falsely told that their parent is the main driver. “Fronting” can save people hundreds of pounds on their premiums. If you are caught out, this type of fraud is not taken lightly by insurance firms.

Choosing the correct motor insurance can help give you the protection and peace of mind. There are three main types of motor insurance:

Comprehensive insurance
Comprehensive insurance sometimes called “fully comp”, is the most expensive option but is by far the best option, as this covers damage in accidents to both your car and any other car. It also includes cover to any damage to your windscreen, car stereo, personal belongings in the car, and pays out if you are injured or die in an accident, or if other people make claims against you following an accident. 

Third party, fire and theft insurance
Third party, fire and theft insurance is cheaper than comprehensive motor insurance and will cover you if people make a claim against you after and accident. It also, pays out to repair or replace your car if it’s stolen or damaged by fire. The set back is with this option is that if you damage your car in an accident, you can’t claim from any other driver’s policy and therefore you’ll have to pay the repair bill.

Third party insurance
The third option is the cheapest option with the minimum cover. Third party insurance is a basic policy and only covers you against claims for injuries and damage that you, or any of your passengers, cause to another person or their property in an accident. If your car is damaged in a fire accident or stolen you won’t be able to claim under this insurance policy.

For more information, visit www.compareandsave.com/car-insurance.

According to all aboutyou.com, around 10 million households in the UK have not checked whether they are using the cheapest supplier for gas and electricity, to help save those pounds and pennies. Over the last 12 month we have seen household utility bill prices soar.

Most household’s top priority, however is reducing outgoing bills, like gas and electricity and finding the best deals. With the growing number of options of energy suppliers, consumers are now free to choose who supply’s their gas and electricity.

Here are some key things compareandsave.com recommend to help curb those unnecessary costs and to help keep your bank balance positively healthy this winter.

• Shop around for the best deals. On compareandsave.com we offer an internet-based comparison service to find the best deals for you with our impartial, accurate and reliable information.  We are passionate in ensuring you choose the most cost effective and energy efficient way of maintaining your household.
• Why not opt for a single energy supplier, which offer a duel fuel package to serve both your gas and electricity requirements. This is an increasingly popular option and suppliers offer additional promotions and discounts for taking both gas and electricity on board. Dual fuel is not always the cheapest payment method and this will depend on your current suppliers, your consumption and location.
• How do you pay your bill currently? For example if you a selecting a payment method like direct debit you may find your self saving money off your overall payment.
• Turning the central heating down by just one degree saves £30 a year on average, according to the Energy Saving Trust, a charity that promotes energy efficiency.
• Turning appliances off are key to in helping reduce your gas and electricity bills. For example turn off televisions, videos, DVDs, satellite and cable boxes left on standby and help save our planet.
• The size of your gas meter effects how much you pay so make sure your meter is the right size.