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Insurance scheme limits drive time

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An industry group has suggested that a new car insurance plan restricting the hours young motorists drive could take off.

Young Marmalade discourages 17 to 25-year-old drivers from taking to the roads between 23.00 and 5.00, reflecting current trends which indicate that younger motorists cause a proportionally higher amount of accidents and that these tend to occur at night.

The firm would fit a GPS device to the car which automatically charges £45 for every broken time restriction.

It is claimed the new scheme could improve safety and slash car insurance claim figures.

Nigel Humphreys, an Association of British Drivers spokesman, welcomed the introduction of the scheme and suggested the restrictions be "formalised".

Mr Humphreys said: "I think it's something that young people are going to go for. I would prefer to see this formalised.

"[However,] people who would take it up are probably the people who wouldn't have any accidents anyway. That's the danger of these things."

According to statistics, car insurance costs have increased by 14% over the past year across all age groups, costing customers £821 for an average quoted premium for an annual comprehensive car insurance policy.

© Press Association 2009