Children cause more than 850,000 accidents in the home every year and the resulting damage costs nearly £230 million.
According to new research young children are the number one cause of damage in their households, and are responsible for 42 per cent of all accidents.
It may be surprising to learn that teenagers are not the biggest culprits as far as causing accidents are concerned, they account for just one in five accidents around the home or 250,000 accidents a year, resulting in £68 million worth of damage.
With the summer holidays in full swing and the usual English summertime weather, school-age children will be in and around the home for most of the day. So parents are being warned to keep an eye on their clumsy kids.
And even those without kids can’t escape the damage they cause, because of the 850,000 accidents last year, 250,000 of them happened in someone else's home while visiting.
Monday, 11 August 2008
Tuesday, 5 August 2008
Monday, 21 July 2008
The car accident scam
A new insurance crime wave is sweeping Britain and is costing innocent motorists thousands. The scam which has been used in the states for a number of years varies in its level of sophistication but usually takes the following form fraudsters will fill a car with as many passengers as possible they then drive in front of an innocent motorist wait for them to be distracted by something like adjusting the radio and brake suddenly causing the innocent motorist to hit the rear of the fraudsters car.
In the eyes of the insurers the innocent victim will be at fault and the fraudsters will often use bogus witnesses who where not even at the scene of the accident and fictitious passengers. Then follows bogus injury claims for all the passengers in the car along with bogus claims for car hire and hugely exaggerated repair bills. In some cases a simple accident can cost an insurer £30,000.
The fraudsters use old cars and tend to target cars that are a few years old with lone drivers. They will often use a round about as the scene of the accident. If you are caught in this situation beware of any witnesses who appear from nowhere blaming you and passengers claiming whip lash after minor accidents.
In the eyes of the insurers the innocent victim will be at fault and the fraudsters will often use bogus witnesses who where not even at the scene of the accident and fictitious passengers. Then follows bogus injury claims for all the passengers in the car along with bogus claims for car hire and hugely exaggerated repair bills. In some cases a simple accident can cost an insurer £30,000.
The fraudsters use old cars and tend to target cars that are a few years old with lone drivers. They will often use a round about as the scene of the accident. If you are caught in this situation beware of any witnesses who appear from nowhere blaming you and passengers claiming whip lash after minor accidents.
Thursday, 17 July 2008
Wednesday, 9 July 2008
Fraudsters beware
The insurance industry had a stark warning for anyone tempted to make a false insurance claim. Recently released figures from the ABI (Association of British Insurers) show that last year insurers uncovered 24,000 fraudulent motor insurance claims up 70% over the past three years. In total £260 million, or £5 million every week of false claims where detected.
Nick Starling, the ABI’s Director of General Insurance and Health, said:
“Insurance fraud is no victimless crime. Honest motorists pay through higher insurance premiums – an extra £40 a year on average. This is why insurers are ramping up their crackdown to weed out the cheats. Anyone committing insurance fraud is more likely to get caught, risks a criminal record, and will find future insurance and credit harder to obtain and more expensive.”
The number of fraudulet claims is expected to rise sharpely as consumers start to feel the pinch of the credit crunch and strugle to meet hire purchase and loan repayments.
Cheats who have been caught out include:
• A policyholder, claiming for damage to her Land Rover when it hit the front of her house, said it was caused when her foot slipped off the brake. However, the damage was caused deliberately, following an argument with her partner.
• A car owner claimed his car had been stolen. It was proved that he had pushed it over a cliff, and planned to use the insurance payout to meet his Hire Purchase payments.
• The owner of a Rolls Royce claimed £10,000 for the alleged theft of the front grill, hubcaps, steering wheel, seats and bonnet mascot. However, he had removed the items himself; they were later found in his home by the police. He received a criminal conviction.
Nick Starling, the ABI’s Director of General Insurance and Health, said:
“Insurance fraud is no victimless crime. Honest motorists pay through higher insurance premiums – an extra £40 a year on average. This is why insurers are ramping up their crackdown to weed out the cheats. Anyone committing insurance fraud is more likely to get caught, risks a criminal record, and will find future insurance and credit harder to obtain and more expensive.”
The number of fraudulet claims is expected to rise sharpely as consumers start to feel the pinch of the credit crunch and strugle to meet hire purchase and loan repayments.
Cheats who have been caught out include:
• A policyholder, claiming for damage to her Land Rover when it hit the front of her house, said it was caused when her foot slipped off the brake. However, the damage was caused deliberately, following an argument with her partner.
• A car owner claimed his car had been stolen. It was proved that he had pushed it over a cliff, and planned to use the insurance payout to meet his Hire Purchase payments.
• The owner of a Rolls Royce claimed £10,000 for the alleged theft of the front grill, hubcaps, steering wheel, seats and bonnet mascot. However, he had removed the items himself; they were later found in his home by the police. He received a criminal conviction.
Tuesday, 24 June 2008
Speed cameras on the slopes
Switzerland is reportedly trying to cut down on the number of skiing accidents by introducing speed cameras onto the slopes.
State-run Insurance company Swiss Accident Insurance (Suva), is set to bring in speed traps as part of a safety campaign aimed at reducing the number of winter sport-related accidents.
Officials carrying hand-held radar speed devices will be deployed to catch speeders, any one caught speeding could have their ski pass confiscated or get stung with a fine.
The scheme is said to have been prompted by figures showing a dramatic increase in ski-related accidents in Switzerland.
Reports suggest there were over 70,000 accidents on Swiss ski slopes last year.
Suva spokeswoman Angela Zobrist said: “This is not another fun-spoiling campaign of the health and safety brigade and we don’t intend to raise a warning finger to all snow sport lovers.
"It is a genuine safety concern. You do not realise how fast you go, which can prove to be really dangerous if you impact with another skier or have any other incident.”
State-run Insurance company Swiss Accident Insurance (Suva), is set to bring in speed traps as part of a safety campaign aimed at reducing the number of winter sport-related accidents.
Officials carrying hand-held radar speed devices will be deployed to catch speeders, any one caught speeding could have their ski pass confiscated or get stung with a fine.
The scheme is said to have been prompted by figures showing a dramatic increase in ski-related accidents in Switzerland.
Reports suggest there were over 70,000 accidents on Swiss ski slopes last year.
Suva spokeswoman Angela Zobrist said: “This is not another fun-spoiling campaign of the health and safety brigade and we don’t intend to raise a warning finger to all snow sport lovers.
"It is a genuine safety concern. You do not realise how fast you go, which can prove to be really dangerous if you impact with another skier or have any other incident.”
Monday, 16 June 2008
Costly DIY?
A recent survey of 1500 men has revealed more than a third (37%) admitted they don't really like doing DIY and another third of all men feel under pressure from their partners to undertake DIY jobs.
This figure is corroborated by the fact that 31% of women expect their partners to carry out the necessary home improvement and 49% think DIY skills are desirable in a prospective partner.
Conversely, only 2% of men expect their partners to be able to accomplish DIY tasks.
The survey further suggests that, in order to impress their partners, many men take on too ambitious and even possibly dangerous projects such as electric wiring or major building or gas works.
A spokesperson for ROSPA said "TV home makeover shows make it all appear so simple, and it's easy to forget that these are highly skilled professionals."
"In reality trying to tackle certain areas you are not qualified for such as electrics or plumbing is dangerous and could even invalidate your home insurance policy, leaving you liable for any subsequent damage. We'd recommend using a reputable tradesman rather than going it alone."
ROSPA urges homeowners who do not have the necessary qualifications or experience to be cautious, because their home insurance might be invalidated if their home improvement work goes wrong.
Accidental damage of sinks, baths, ceramic hobs or glass in doors is included in most policies, but common DIY disasters like drilling into a water pipe or putting a foot through the ceiling might require additional cover.
This figure is corroborated by the fact that 31% of women expect their partners to carry out the necessary home improvement and 49% think DIY skills are desirable in a prospective partner.
Conversely, only 2% of men expect their partners to be able to accomplish DIY tasks.
The survey further suggests that, in order to impress their partners, many men take on too ambitious and even possibly dangerous projects such as electric wiring or major building or gas works.
A spokesperson for ROSPA said "TV home makeover shows make it all appear so simple, and it's easy to forget that these are highly skilled professionals."
"In reality trying to tackle certain areas you are not qualified for such as electrics or plumbing is dangerous and could even invalidate your home insurance policy, leaving you liable for any subsequent damage. We'd recommend using a reputable tradesman rather than going it alone."
ROSPA urges homeowners who do not have the necessary qualifications or experience to be cautious, because their home insurance might be invalidated if their home improvement work goes wrong.
Accidental damage of sinks, baths, ceramic hobs or glass in doors is included in most policies, but common DIY disasters like drilling into a water pipe or putting a foot through the ceiling might require additional cover.
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