Moffat & Co Solicitors

Moffat & Co Solicitors
Accident Compensation Claim Solicitors Scotland
PO Box 28287
0131 662 6988
0131 667 8175

MASS Motor Accident Solicitors Society

Moffat & Co Solicitors Over 25 years of experience at your service

Insurance Prices Rising

Insurance prices up again – so what can you do to keep motoring costs down?

According to research released by the AA motoring insurance premiums rose again last year by an average of 40%. This is the biggest annual rise since the AA started recording the data in 1994. Once again it is young drivers who are paying the most, with drivers aged between 17 and 22 seeing their premiums rise by 50%. So what’s fuelling this upward spiral and what can you do to keep the costs of your premiums down?

Younger drivers bearing the brunt of the blame.

Insurers say that the number of accident compensation claims has a lot to do with pushing up everyone’s premiums. They also say that the amount that people are claiming for has also risen significantly, with once again younger drivers bearing the brunt of the blame. According to the AA’s analysis, male drivers between the ages of 17 and 22 claim on average £4,473 for an accident claim, compared to just £1,450 for drivers aged between 30 and 50.

The insurance industry also lays the blame for the rising cost of motor insurance at the doors of no win no fee solicitors. Thanks to what some people regard as an aggressive marketing campaign by the legal industry, more people are now aware that they can claim compensation if they have been involved in an accident that wasn’t their fault. The legal profession counters this argument saying that laying the blame at their door is churlish and that anyone injured through the actions of another person is entitled to be compensated for their injuries. While this argument goes back and forth, it is once again the motorist who eventually pays through higher insurance premiums.

Improve your driving skills.

So to try to keep the cost of motoring down, what can the average motorist do to protect themselves? One of the easiest ways to reduce your car insurance premiums is to improve your driving skills through advanced driving courses and, for younger drivers, taking advantage of the Pass Plus scheme. The more training a driver has, the less likely they are to have an accident in the first place. The longer the driver keeps a ‘clean sheet’, the better their no claims bonus. Insurers see careful drivers as highly desirable, so improving your driving skills will certainly help you to be a more attractive customer for the insurers.

Security matters.

Ensuring that your vehicle is secure and protected also makes a big difference to your premiums. Insurers prefer cars that are garaged and alarmed compared to those that spend their lives parked on a public road and with no means of protection.

If you are unlucky enough to be involved in an accident, making a compensation claim will not necessarily increase your premiums next time you renew. If your compensation claim proves that the other party was guilty of negligence or bad driving then premium adjustments will not be aimed at the innocent driver but only at the driver who was responsible for an accident. So don’t be afraid to claim the compensation you deserve because you’re worried it will push your premiums up.

As costs carry on rising, driving is becoming an increasingly expensive part of everyday life. But by choosing carefully what kind of car you drive, improving your driving skills through additional training and taking responsibility for the safety of your vehicle, you can keep costs down. If you have been involved in an accident that wasn’t your fault, talk to an expert solicitor experienced in dealing with personal injury compensation claims. The fear of a rise in the costs of your premiums should never dissuade you from seeking the compensation you deserve.

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Since contacting Stan I was continously informed of the development and progress of each step of my claim. Stan was persistent and patient throughout the whole process and reassured me he would win me the compensation I deserved - and he was true to his word. I am extremely happy with the outcome of my claim and this is all thanks to Stan.


My case was dealt with personally by Stan Moffat and what a brilliant guy. His office contacted me personally by telephone at the start of my claim to explain who they were and what they would be doing for me. All through the case I was kept fully informed of all actions either by e-mail or by letter and reassured by Stan several times of any queries I had.

It is very seldom that a solicitor will take the time to speak personally at any time with you without getting run through secretaries etc. I commend this man for that as this was a very upsetting and important time for me and he did everything in his power to make this as easy and as swift as possible for me.

I highly recommend the service that this firm brings and the speed that they move at.

J McMahon

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