Archives for July 2013

Britain Named Whiplash Capital of the World

In 2011 whiplash claims cost the UK motor insurance industry a staggering £2.2 billion according to The Association of British Insurers (ABI). But it’s not only the insurance companies who are bearing the brunt, as these claims are bringing up the price of the insurance premiums in a desperate bid to reclaim the lost money. But why do we make so many claims in comparison to other countries and what is being done to get this problem under control?

What is ‘whiplash’?

Whiplash is an injury to the neck caused by a sudden collision, e.g. a car hitting you from behind. It has been estimated that 25 per cent of claims may be fraudulent, with people trying to get compensation for suffering a collision in their vehicle – even if they did not damage their neck in any way.

Why are there so many false claims?

It can be difficult for doctors to diagnose whether or not a person has whiplash – especially is a person is looking for compensation at any cost and therefore may be willing to claim their symptoms are worse than they actually are.

What can be done to cut down on false claims?

The government is planning to take measures to bring down the amount of false claims by devising a way for a deeper and more accurate diagnosis by doctors. And of course there’s the extra addition of an average of £90 to insurance policies.

What if I really do have whiplash?

After the extensive media coverage of fake whiplash claims, it can be worrying to think that you may not be believed if you really did get injured. It will involve an accurate diagnosis by your GP and you should take up your accident claims with a personal injury lawyer.

What does the future hold for whiplash claims?

The plan is to deter people from false claims by making diagnosis more difficult, the process more thorough and to question claims that do not add up. This will make it less straightforward for people to make a claim and hopefully put people off for fear of being caught out.

All in all, whiplash is a huge concern for the UK as there are people who have genuine injuries as a result of an accident, yet due to the number of fraudulent claims, their claims are taken less seriously. The Government is taking this issue seriously in order to minimise the amount it is costing the motoring insurance each year, which is impacting on higher premiums for drivers – many of whom have never made a claim.

If you want to know more about the Government’s plans to tighten up on whiplash, visit

Household Saving Tips for Families on a Budget

Despite encouraging economic news with the UK manufacturing industry reporting record growth in the past two years, the fact remains that standard of living for most British families has continued to fall.

With the costs of basic goods and services such as food, fuel and transport continuing to rise, this year it’s important to gather as much information as possible on how to save money in your household.

Check out these how-to tips for saving money if you’re on a budget.

 Change supermarkets

You may be used to shopping at one of the more expensive or middle-range supermarkets like Waitrose or Sainsbury’s, or you might even shop at a lower-priced store, but always buy branded goods.

Whatever your situation, there is always room to slim down the cost of your weekly shop. First, try shopping around different supermarkets each week to find out which ones have the best value quality goods for you.

Another way forward is to save money by purchasing your fresh goods from the more expensive supermarket and then your longer-life items from the cheaper one, as the quality of such things is not impaired in the same way.

Shop online

Whether it’s clothes, makeup, books, records, furniture or DVDs, there are always fantastic deals to be had when you shop online.

Not only do you cut out the hassle of physically looking around the shops on the off-chance you’ll actually find what you want (and then queuing for a lengthy period to pay for it), you can check out what’s available on the websites of shops you want to visit, and see at the click of a mouse which of them has the best deal on the product you’re looking for.

Often, retailers offer online discount, which happens less when you’re shopping in-store unless there’s actually a sale on.

Use comparison websites

From car insurance to paying for your next holiday, comparison websites offer the most quick and effective way to find out what the best deals are, instantly.

Do an online search for the best tried and trusted price comparison sites, and enter your search terms. You should then see a comprehensive breakdown of the difference in prices for whatever it is you’re thinking of purchasing.

Get a cheaper car

One of the most expensive products we own are our cars. From making repayments on a new car, to the £3,000+ average yearly cost of running them, if you have the wrong car you can seriously dent your pocket.

Do some research to find out if the car you own is currently economical. Add up all your yearly costs, then look at your car’s emissions, insurance bracket and miles per gallon to see if you’re actually paying over the odds.

If you discover that to be the case, then you could do worse than check out the best car finance deals to see what options you have on getting yourself funds for a new (or new to you) set of wheels. is owned by Mediamash (NI) Limited, who are an Introducer Appointed Representative of Seopa Ltd. The quote system is owned and operated by Seopa Ltd, who are authorised and regulated by the FCA, number 313860. You can view our registration at We do not give financial advice on this website. If in doubt get professional advice and always read the policy information before purchasing an insurance contract.