a simple guide to getting it right when buying insurance

Share on Facebook Share on Twitter Share on LinkedIn


No Claims Discount Expires After 2 Years | Protected No Claims Discount Does Not Protect Your Premium | Manipulating Your Details to Gain a Better Price Could Invalidate Your Policy | You Don't Automatically Get Driving Other Cars With Comprehensive Cover | Should I Send Copies of Documents to My Broker/Insurer? Yes | Each Policy Earns It's Own No Claims Discount, You Can't Use It Twice | Insuring Your Child's Car In Your Name Is Called Fronting And Is Fraud! | Don't Assume Your Company Car No Claims Discount Will Be Accepted By Your New Insurer - Check First! | Counterpart Licences Abolished, You May Still Have To Provide a Code From DVLA to your Underwriters to Check Your Details | Motorbility Policies Do Not Earn a No Claims Discount | Motoring Endorsements Are Declarable For 5 Years

Date

Significant Events

Approximate Number of Cars on UK Road

Approximate Annual UK Road Traffic Accident Casualties/Injuries

Number of Fatalities on UK Roads

1768

First Steam Powered Automobile able to carry people built by Nicolas-Joseph Cugnot

0

0


1807

Francois Isaac de Rivaz design first car with an internal combustion engine, with Hydrogen as it's fuel




1885/6

Karl Benz invents first petrol fuelled car.  Considered first production car as Benz made several of the same model




1895

First Car Race

15



1896

Red Flag Act Abolished and The Light Locomotives on Highways Act (The Emancipation Act) - Upper speed limit of 12 MPH




1897

Front wheel drive introduced




1898

Honeycomb suspension




1899

Front suspension




1901

1st Grand Prix - France

800



1903

Motor Car Act - required car owners to register their vehicle with their local authority. Driving Licence becomes compulsory - NO compulsory Test required though!!




1904

Land Speed Record break 100 MPH




1907

First purpose built Race Track built at Brooklands, Surrey




1908

By this time cars were really starting to develop; with headlights, windscreens, rubber tyres with pressure gauges, number plates and coil ignition




1909

Model T Ford




1912

First Electric Starters




1913

Factory produced Model T’s being produced. Some cars now had 4 wheel brakes, electric starters and 4 wheel steering on off roaders




1916

Mechanical Wipers introduced




1921

Hydraulic brakes appeared




1922

Ford had built 1 Million cars now




1925

General Motors Comes to UK




1926

1st British Grand Prix - held at Brooklands

First time RTA Fatality rate was published



4886

1929

1st Monaco Grand Prix street race

1 Million



1930

Age restrictions applied to driving and a test introduced for disabled drivers


178,000

7305

1931

Highway Code comes in - Morris Minor retailing at £100 (£5,832.25 in today’s money (2016))

1.5 Million



1934

Speed limits in built up areas 30 mph introduced - announced, Driving tests announced will be introduced soon




1935

  • June saw the driving competency test introduced (L Plates required on learner cars) licences had to be renewed every 3 years
  • Windscreen washers came about
  • September Land speed record breaks 300 MPH (Sir Malcolm Campbell - Great Britain) 301.129 MPH




1936

First diesel car and windscreen wipers now standard on most cars




1938

VW beetle production begins (now tops 21.5 Million built)




1939

  • Flashing indicators introduced
  • Jeep developed as a military vehicle - Did you know JEEP stands for Just Enough Essential Parts?
  • Driving tests suspended due to World War II




1940




8609

1941




9169

1948

Land Rover is Born




1949

Key Start ignition developed




1950



196,000

5012

1953

Tubeless tyres invented




1954

Fuel Injection is developed




1956

Driving Test Fee £1




1958

Seat belts now fitted as standard (front seats) - Preston Bypass built later becoming part of the M6 - therefore technically the first motorway of Britain




1959

Driving examiner training formalised at Stanmore Training School




1960

MOT introduced as annual roadworthiness check


341,000

6,970

1962

E-Type Jaguar launched for £2,159 (£42,994.83 today (2016))




1963

Land speed record now breaks 400 MPH (Craig Breedlove USA) 407.447 MPH




1964

Land speed record now breaks 500 MPH




1965

  • Eyesight part of test needing to read a number plate 67 feet away
  • Land speed record now breaks 600 MPH (Craig Breedlove USA) 600.601 MPH




1966

Four wheel drive and ABS (Anti-Lock Brakes) available on production cars



7,985

1970



356,000

7,499

1968

  • Licence fee £1 15 Shillings
  • Electronic Fuel Injection




1969

Licencing groups for vehicle types introduced




1972

Test applications rise by 20%




1973

Turbo Chargers - test applications rise by further 15% causing test backlog




1975

Arm signals no longer required to be displayed on driving test




1976

Driving Examiners now undertake a 4 week training course at Cardlington




1980

Audi Quattro - 1st production car with permanent 4 wheel drive


323,000

5,953

1983

Seat Belts now compulsory to be worn




1988

RTA (Road Traffic Act) implemented and guided how driving tests should be conducted - McLaren F1 worlds fastest production car (240MPH)




1989

1st April 1989 Drivers airbags now mandatory on all new cars in USA




1990

DSA Driving Standards Agency is born and examiners now give feedback at the end of tests


336,000

5,217

1992

First Gatso Speed Camera installed in Twickenham.   It caught 22,939 drivers doing over 65 mph in a 40 mph limit over 22 days



4229

1995

The 'Road Traffic Act (New Drivers) 1995' was passed into law, affecting all new drivers who passed their driving test on or after 1 June 1997. This Act stipulated that new drivers, once they had passed their test, were to be under probation for a period of two years. During this probationary period their driving licence would be revoked if they accumulated 6 or more penalty points on their licence. A revoked licence holder would then have to re-apply for a provisional licence (that would be endorsed with the relevant points) and to re-sit both the theory and practical driving tests.

In 1995 newly-qualified drivers were introduced to the Pass Plus scheme, a course of lessons aimed to assist new drivers to gain extra driving experience (such as motorway driving, night driving and driving on country roads) in an attempt to reduce the risk of accidents involving newly-qualified-drivers.





1996

Highway code removed as part of driving teat - replaced by written theory test




1997

Photo ID required before being able to sit Theory or Practical tests

Land speed record now breaks 700 MPH (Andy Green Great Britain) 763.035 - just shy of the Speed of Sound at sea level of 767.269 MPH


324,000

3,599

2005

Bugatti Veyron Worlds fastest production car 253 MPH 0-s60 MPH 2.5 seconds


268,000

3,201

2008

34 Million vehicles on UK roads. Lewis Hamilton becomes youngest ever Formula 1 World Champion at 23 years old


228,000

2,538

2009




1,850

First Steam Powered Automobile able to carry people built by Nicolas-Joseph Cugnot