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Do whiplash reforms mean savings for consumers?

Whiplash

In March, the Government published its Civil Liability Bill, which set out plans to alter the compensation payments due to those with whiplash injuries. The Government are indicating that this should amount to an average saving of around £35 on a yearly insurance premium.

Compensation for whiplash injuries that arise from car accidents has long been a controversial topic, and as we know, consumers tend to be very sceptical when it comes to insurance companies passing on savings.

With that in mind, we conducted a survey for Consumer Intelligence on Viewsbank, to assess consumer attitudes to the proposed changes, and the results weren’t surprising at all. In fact, we have asked similar questions before, back in November 2016 when the Ministry of Justice offered up plans to save motorists in the region of £40 per year on their insurance by reducing the number of whiplash claims. Motorists were sceptical back then too, with around two thirds believing that insurers would simply pocket the difference, and only 15% trusting all insurers to pass on savings to consumers.

This time around, and perhaps as expected, consumer attitudes have changed very little. Perhaps slightly surprisingly however, it would appear that consumers are actually slightly more sceptical of insurance companies than before, as the results indicate that 70% now believe that the majority of (50%) or all (20%) insurers will pocket the difference.

Do you expect insurers to pass on any savings from personal injury reform?

I think all insurers would pocket the difference

20%

I think most insurers would pocket the difference

50%

I think most insurers would pass the savings on

22%

I trust my insurer to do this, but not the wider industry

8%

 

Those who do expect some sort of saving also expect it to be a fairly small one, with 70% of respondents predicting it to be £30 or less. This scepticism contradicts research by Consumer Intelligence showing that although average premiums have increased by 7.5% over the last year, they have fallen by 3.4% since September and are actually on the longest downward trajectory since records began. This just shows how much work is still needed to be put in by insurance companies in order to regain the trust of consumers. In fact, two thirds of consumers asked in the survey actually believe that their insurance premiums will rise in 2018.

Do you expect your premium to rise in 2018?

Yes

67%

No

14%

It depends on the government

7%

I don’t know

12%

 

What is clear from our survey though, is that most consumers don’t know that any of this is happening, however, the desire for whiplash payment reform is increasing.

Stuart Peters, Consumer Intelligence Head of Research explains: “There is a good news story in here for consumers, but they’re just not aware of it – therefore there’s a job for the industry to do.

“We found that almost one in two consumers feel whiplash payments are too high. At the same time, expectations have increased, with 20% of consumers hoping for at least £2,000 – almost twice the figure in 2016.

“These findings demonstrate why insurers have worked so hard on whiplash reform, in an attempt to hold premiums in check, but it seems that the majority of consumers are not receiving the message.”

More Ogden Changes

Consumers may also remember that the Government made some changes last year to the Ogden Rate, which is used to calculate pay-outs for personal injury claims. These changes last year massively increased costs to insurers, and therefore premiums in quite a few cases.

However, the Government has also announced that the Ogden rate will be looked at and altered again, and while the exact figure has yet to be decided, experts are suggesting that consumers could see and average reduction of around £50 on an annual policy, which coupled with the changes from the Civil Liability Bill could see consumers save around £85 or approximately 11% off an average policy.

Despite the above, our study found that only 3% of consumers were aware of this upcoming change, giving the insurance industry a massive opportunity to being generating some positive PR and making consumers aware of this. It’s clearly much needed, given that only 9% of consumers were aware that most of the industry has already pledged to pass on whiplash reform savings, while 21% didn’t believe that such a change would even happen.

Either way, it would appear that the insurance industry now has a golden opportunity to highlight these upcoming changes, something that would certainly help them regain some of that lost trust with consumers.

What do you think? Are you expecting to see a saving on your next car insurance renewal? Let us know in the comments.

 

British holidaymakers at risk by carrying more cash

 

A survey conducted for Consumer Intelligence by Viewsbank revealed that British holidaymakers are putting themselves at risk by carrying more cash than their insurance policies allow them.

Consumer Intelligence’s latest biannual survey shows that nearly 70% of travellers are carrying more than £250 in cash when they go abroad, despite most insurers not covering them for this.

The study also revealed that many major travel insurance providers cover only £200 of cash on their standard policies. The most generous provider was Direct Line, covering £500 worth of personal cash.

Insurance cover for those who have lost or stolen money while abroad differs. Travel insurers offer different exclusions and excesses for those carrying cash abroad, meaning that some could be in for a shock when they come to claim.

Despite the risks involved in taking money abroad, the Consumer Intelligence biannual survey showed that cash is still king for most holidaymakers. The most common amount of cash taken on holiday is between £250 and £499, with 30% of people taking this amount.

The second most popular amount of cash to take is between £500 and £999, with around 26% of respondents saying that they take this amount on holiday.

70% of this cash is purchased a few weeks before it is needed, meaning that lots of people are storing large amounts of travel money at home before going on holiday.

Andy Buller, Travel Money expert at Consumer Intelligence says:

“Our customer studies show that most travellers carry far more cash than their insurers would ever pay out on, if they were to lose it or have it stolen,” he said. “It's a risk that many don't consider, but travel money providers - especially those who also offer travel insurance, could use this as an opportunity to create loyalty by advising customers on safer ways to take money abroad such as prepaid cards, or additions to travel policies that would cover the additional cash that customers carry.

“Our surveys show that many customers feel little brand loyalty to their travel money providers, but information like this that would genuinely keep customers safer could keep them coming back for more."

Do you carry cash or use alternative payment methods whilst travelling abroad? Let us know in the comments. 

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7 ways to help you love Mondays

11 months ago by admin

7 ways to help you love Mondays

7 ways to help you love Mondays

 

It’s 9.36pm on Sunday night, Monday is creeping up on you and you know that Saturday is officially not coming back. You’ve set your alarm clock, and you’re already tired for the week ahead. I think we can all agree that we’re in need of some top tips to help us love Mondays again.

 

1. Don’t just live for the weekends

Plan your week ahead so that you’ve got things to look forward to. Maybe take up a hobby or go meet some friends. Whatever it is you decide, make sure you carry on living your life throughout the week.

 

2. Get a good rest, but get up early

As tempting as it is to hit snooze, having a consistent sleep schedule all week will help you feel more rested come Monday morning. In a recent poll 30.5% told us that they do not feel well rested, whilst 47.2% said that they sometimes felt well rested. Only 22.3% told us that they typically do feel well rested. Try sticking to a regular sleep schedule, get up early and start as you mean to go on – it’ll work wonders I promise.

 

3. Don’t skip breakfast

I’m sure I don’t need to tell you that breakfast is the most important meal of the day. Make sure you give yourself that extra time in the morning to have a nutritional breakfast.

 

4. Get pumped with some of your favourite tunes

Create a brand new Monday playlist. Listening to your favourite song on the way to work or on the way to the gym can make all the difference to your mood.

 

5.Try to get in some exercise

If you’re anything like me, you’ll feel like you need to burn off all that junk you consumed over the weekend. Starting the week with a small work out routine is a great way to boost your endorphins and make you feel good about yourself. There’s a reason why you should never miss a Monday workout.

 

6. Dress to impress

Sometimes one of the best ‘pick-me-ups’ is to get up and get dressed up in something that makes you feel good about yourself. Feeling comfortable and confident can help you face the world, whatever day of the week it is.

 

7. Make someone’s day

Random acts of kindness go a long way. And it’s surprisingly easy to do, we just need to remember that we’re all human and we could all do more to make others happy. Take a look at these 9 simple ways to make someone’s day. You’d be surprised at how good it feels.

 

Whatever you do to get yourself through Monday, make it awesome and most of all, enjoy it.

 

How do you get through Monday? We’d love to hear your tips and tricks. Let us know in the comments below or on Facebook.

 

Photo by Nathan Dumlao on Unsplash

 

Sources

https://www.huffingtonpost.com/daffnee-cohen/monday_b_5669462.html

https://www.reed.co.uk/career-advice/10-ways-to-make-your-monday-morning-better/

http://www.chatelaine.com/health/monday-morning-blues-13-ways-to-help-you-get-through-it/

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7 ways to make money online

11 months ago by vfiebelmann

7 ways to make money online

Whether you're looking to make some money fast, or you're after something a little more long-term, there are certainly lots of ways you can make some extra cash. Have a read of our 7 fun and easy ways to make money online to give you some inspiration.

 

  1. Selling on Amazon and Etsy
    A simple way to enter the world of online selling is to leverage the power of using third party websites. Sites like Amazon and Etsy are brilliant platforms to start with. Millions of people around the world visit these sites ready to spend money – so it’s a no brainer really. Etsy have produced a ‘Beginner’s Guide to Selling on Etsy’ for those you who are eager to get up and running as soon as possible. Amazon have done something similar on their site to show you how easy it really is.

 

  1. Sell or recycle old technology
    See how much money you can get for your old mobile phones, CD players and tablets. Even broken devices can earn you a little extra, so don’t forget about that beloved smashed iPhone you’re still holding on to. Sites like Music Magpie and Mazumamobile.com are popular companies to use if you’re wanting to declutter and earn yourself some extra cash.

 

  1. Take online surveys
    This is probably one of the easiest, and most fun ways of earning a little extra income. Viewsbank is an online community where you can share and exchange your opinions on the topics that matter to you. It is a social forum where you get paid to complete surveys, projects and mystery shopping assignments on a range of subjects and industries. For more information on how it works and to get involved, take a look at the FAQs here.

 

  1. Test websites & apps
    Do you love website development and user testing? Maybe it’s time to turn pro and test websites and new app launches for fun (and money). There are lots of sites and companies needing your testing skills. Sites like Tester Work will pay you to take part in testing projects.

 

  1. Online freelancing
    Perhaps you’re a wordsmith or you enjoy managing social media accounts? Maybe you'd like to put those graphic design skills to practice? Either way, there are so many freelance opportunities out there that’ll be well worth your time. A quick Google search will give you some of the most popular sites that allow you to showcase your expertise and meet like-minded people.

 

  1. Competitions
    So, there are no guarantees that you’ll win every time, but there is a growing community of so-called ‘compers’ in the UK, who consistently make up to £50,000 a year through entering all sorts of competitions. Why not take a look at Compers News which is a successful UK competitions magazine and has been running since 1913! But if you prefer something on a smaller scale, then Viewsbank might be the place to win. We hold competitions on Facebook five days a week – so there are plenty of opportunities for you to win big.

 

  1. Sell old clothes on eBay
    When it comes to getting rid of old clothes, eBay is everyone’s favourite. It’s a sure way to get rid of that old sleeveless jacket and turn it into cash. Just like Amazon and Etsy, you can find all the information you need to help you get started when it comes to selling on eBay.

 

Whatever method works for you, we'd love to find out.

 

Do you make money in your spare time? Do you have any tips to offer? Let us know in the comments below or on Facebook, we’d love to hear from you.

 

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Shoppers hit with illegal credit card charges

11 months ago by vfiebelmann

Shoppers hit with illegal credit card charges

From January 13, both online and offline shops have been banned from charging anyone an extra payment for debit or credit card payments, as opposed to cash.

The new rule follows an EU directive and will prevent any card surcharging for paying by debit or credit cards, PayPal and ApplePay in the UK.

Companies are no longer allowed to charge shoppers up to 20% more for purchases just for paying with plastic.

A survey conducted for Consumer Intelligence by Viewsbank, revealed that shoppers are still being charged extra fees for using credit and debit cards since the introduction of new EU laws.

The research found that 14% of shoppers had been charged an additional fee for using a credit card to pay online or in stores.

The survey also revealed that shoppers are being hit with a range of alternative fees under different names, with 21% reported being charged a booking fee for using a credit card since the new rules came into effect.

Meanwhile, 13% had been asked to pay a transaction fee in the past month, and 13% had been asked to pay an administration charge.

Around 60% of those questioned said they had not been charged.

For the full press release click here, or take a look at Consumer Intelligence’s latest article here.

Have you been charged a credit card fee since the change in law? Tell us about it in the comments section. 

Getting Ready for a Cleaner Spring-Clean!

As we look toward warmer weather, many of us also gear up for the annual spring clean of our living spaces and our lives! It can be incredibly important for us to declutter, air out, and clean-up, mentally, emotionally, and physically.

 

When we begin to think about airing out and cleaning up, we can also think of the impact our methods and tools this cleaning will have on our long-term health as well as the environment we find ourselves in.

 
 

Over the past few years, we have seen a push for more natural products, including cleaning supplies. Many of us understand the importance of being organic or chemical-free, but we forget to consider the potential impacts that our cleaning products can have.


So, do we really need to use naturally cleaning products?


Most typical cleaning supplies include many toxic substances that have also been found to be seriously harmful to our health. Our homes are the spaces we should be able to feel most safe, cared for, and healthy. When we use harsh chemicals to keep these spaces clean, there is potential damage to our health and the environment around us.



Some tips for natural cleaning


  1. Doing our own research. There are many ways for us to cut down the harsh chemicals in our lives, reduce the waste we produce, and increase our sustainability while supporting our health! Finding the aspects that matter most to us and how to support them, in ways that work for us will truly make a lasting difference.


  1. Taking a look at the ingredients. Much like our food, we should also be looking at the ingredients in the products we keep our homes clean with. It is a common misconception that “clean” equals harsh. Clean can also mean natural, which is often more effective in many ways.


  1. Making our own supplies! Not only is it cleaner to make our own products, but it’s also cheaper! We can save a lot by making many products out of the regular household items that many of us already own! Take a look here for some great tips to get started!


  1. Reusing and repurposing. By purchasing longer-lasting, more sustainable products like microfibre cloths, we can not only save money and reduce our landfill inputs, but we also keep our homes cleaner by avoiding the bacteria pick-up that many other products, like disposable sponges, carry with them.


  1. Investing in what matters to us. Whether it be through our time, education, money, or intention, when we invest in the spaces and values that matter to us, we will bring about true change in our habits and lifestyles. Asking ourselves what we want to change and grow towards can be a great way to get started!



Will you be spring cleaning this year? Have you ever made your own cleaning supplies? Share your favourite tips and tricks for spring cleaning today!


Happy sharing,


Sam




Photo by Lauren Mancke on Unsplash

 

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Share some healthy motivation!

1 year ago by SamMix

Share some healthy motivation!

This week we’ve got National Longevity Day, National Yoga Day, and National Thinking Day so we’ve got some of our very best tips on hand to keep healthy and fit this year- and we want to hear from you too!

 

There are many aspects to our health that need to be considered in equal measure. Health is not solely about how often we go to the gym or how many green smoothies we drink. Our wellbeing is much more extensive and inclusive, which can be both wonderful and overwhelming.


Our mental and emotional health are often the later to be considered, as they can oftentimes be less apparent when paid less attention, but they are no less important.



Here are some seemingly simple ways to maintain a healthy balance.


  1. Having a few minutes of focused presence each day. We can often get too caught up in what is coming next that we completely overlook what is happening right now. Focusing a few minutes on the here and now can help us to balance out stress levels and boost gratitude!


  1. Making a list of our strengths. We are all fantastic at many things. Listing these attributes out and stating them aloud can really focus our energy into supporting ourselves in what we want.


  1. Moving our bodies (in ways that make us happy!) We are individuals, and much like our personalities, our bodies are not all the same. While some of us may truly love sweating in our in the gym, others need a walk outdoors, swimming, yoga, or even rock-climbing. Finding what makes us happy while being active can be a real gamechanger.


  1. Drinking more water. Did you know that by the time we’re thirsty, we are already dehydrated? Most of us do not drink nearly enough water and we don’t realise it until it’s too late. Our bodies are made up of over 50% water. Let’s help ourselves run more effectively and drink up!


  1. Finding one area we can improve. Whether it’s eating less meat, going for a longer walk, or drinking less alcohol, focusing on just one area we would like to improve upon at a time can lessen the chances of feeling overwhelmed and increase our likelihood of success in the long-run!


Share your very best healthy lifestyle tips and tricks here!


 

Happy motivating!


Sam






Photo by Israel Egío on Unsplash

Valentine’s Day is Coming Up Quickly!

What does Valentine’s Day really mean? A critic might say that it is only a day for couples to spend more money to show superficial tokens of their love. While this may be true for some, Valentine’s Day can carry great opportunity, if we let it!

Greeting Card Holiday or more than that? While many of us think Valentine’s Day is a recently made-up holiday, it actually has its roots in ancient Roman tradition, stemming from stories of Saint Valentine, who wrote a letter to the woman he loved on the day he died, signed “your Valentine.” Eventually, the saint’s memory was mixed in with a Roman holiday, Lupercalia, when the church decided to turn this festival into a Christian holiday to be celebrated as well.


The day is typically known as a celebration for couples in love. However, over recent years, more and more people have recognised the fact that love comes in many different vessels.


All types of love deserve to be celebrated on this day! So, here are a few ways for everyone to celebrate this week.

 

  1. Get some furry cuddles! We’re talking about going to a dog park, getting some tea in a cat cafe, or even “borrow” someone else’s pet for a few hours! Release some extra endorphins and share the love with a furry friend.


  1. Volunteer: Share some love where it’s needed. Even if you’re feeling a bit lonely this Valentine’s Day, it is important for us to remember how fortunate we are and that there are always others who could use our help every now and again.


  1. Celebrate “Galentine’s Day” on February 13th: A day for ladies to celebrate other ladies! We all know we could use one another’s love and support a little more often.


  1. Draw it: Physically mapping out each meaningful relationship in our lives can help us to see how truly surrounded we are by love in its many forms- and show us that we have many reasons to celebrate!


  1. Practice more self-love. True self love is unconditional care and acceptance for ourselves, no matter where we are in our lives. There are hundreds of ways we can all work on this every single day. What is one that you could start on this week?


Be sure to share your favourite Valentine’s Day ideas, memories, tips, or wishes today! We could all use a little more love in our lives, this week and every week.


Happy sharing the love,


Sam

 

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Keeping the Motivation up!

1 year ago by SamMix

Keeping the Motivation up!

It tends to feel a bit more grey, cold, and even a bit more dreary when we get into the beginning of February. After the winter holiday and new-years spike in excitement, we can often feel a dragging in our energy, our motivation, and even our patience coming into February.

 
 

We can all stave off the February slump by sharing our coping mechanisms, our self-care tips, and the things that keep us going. By sharing with one another, we not only have the potential to help others, but we can also learn from ourselves by solidifying our thoughts and actions into words!



So, let’s get started. What can we do to keep our spirits up this month?


  1. Changing up our wardrobe! Adding even one item to our wardrobe can help to put a little spring in our step. How we think about how we look can really make a difference in how we feel!


  1. Trying a new activity. By changing up our routine and adding a bit of newness into our lives, we invite ourselves to learn and rediscover what we love. We learn new parts of ourselves while remembering our old passions we may have forgotten or put away briefly.


  1. Scheduling some me-time! Self care is often the first to go when we need it most. When we get busy, we forget to do the very things that really keep us going. Taking that walk, reading that book, or even taking that bath can really make all the difference in how we treat ourselves in our day-to-day interactions. When we feel rested and rejuvenated, we can work from places of abundance, rather than exhaustion.


  1. Three positives of every day. Making even a short list of three things that we did well after every day can shift the way we think about our work, our impact, and our value. Finding the positives and highlighting them, even to ourselves, can give us more energy for upcoming tasks.


  1. Focusing on the here and now. It is often much easier for us to think about what’s coming next than to actually be in and enjoy what’s happening around us right now. Reminding ourselves to come back and see the joy in the present can change our outlook on our lives.


Share your best motivational, self-care tips with us today! You never know who might learn from you and who you might be able to learn from!


Happy growing,


Sam




Photo by Johnson Wang on Unsplash

 

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As Veganuary comes to a close…

1 year ago by SamMix

As Veganuary comes to a close…

While many of us did not know Veganuary existed until this month, this new “holiday” has definitely brought many discussions, disagreements, and conversations with it.

 
 
 
 

Whether you choose to follow a vegan diet or a carnivorous one, there are benefits to opting for a more vegan lifestyle. Benefits such as saving water, being more environmentally sound, helping to reduce the rates of heart disease, obesity, cancer, and chronic illnesses can have immense impacts on our lives.


While these many benefits should not be ignored, many who preach a vegan lifestyle can overlook the realities of what it can cost to change diet. Veganism can, at times, be more expensive and less inclusive of cultural values and traditions. There are medical conditions that also exclude many people from partaking in this specific type of diet.


With diet, like any decision, it’s important that we be realistic with ourselves and others. No matter our choices on diet, we must remember that each human body is different and our choices will reflect that. While our differences are important, we can also remember to make choices to reflect the kind of society we want to live in each and every day.


How can we all be more sustainable in our diets?


  1. Shopping locally! Buying the food that was grown and produced closer to our homes not only helps our bodies keep in line with the environment and seasons around us, it also helps to reduce transportation pollution, while also ensuring we get fresher food!


  1. Reducing waste. By choosing products without packaging at all, we can help to reduce  unnecessary materials that will only end up in landfills. Choosing products with more sustainable packaging such as glass or repurposed materials can be a step in the right direction. Here are some amazing tips for shopping with less waste!


  1. Opting for organic. Reducing the amounts of pesticides in the food we eat not only helps our bodies, but also reduces the amounts of toxins that go into our earth and our water.


  1. Minimise meat and animal products. Not all of us need to be completely vegan, however, our diets should ideally be plant-centered.


  1. Choose fish carefully. Many fish species are not only becoming more toxic to humans, they are also in danger of being overfished. When we select our fish, we can check this list just to be sure!


  1. Less processed, more real. Processed foods are not only harmful for our health, but they also take more water, energy, and waste to produce. By cutting out processed foods and opting for more natural alternatives, we are supporting our health along with the environment!


  1. Sharing your knowledge. If you have any tips, tricks, or information that you use when shopping, be sure to let others know! You could help others save money, live healthier, and make more sustainable decisions!


Be sure to share your thoughts on Veganuary and sustainable food choices with us today!


Happy sharing,


Sam







Photo by Brooke Lark on Unsplash