Over the last 3 years, 10 million drivers in the UK have been prey to road rage, according to Zurich Insurance, as part of a car insurance survey.

Angry motorists seem to apply the tactics of tailgating and cutting up one in three drivers. Also exposed by the research company as a problem faced on the road was the physical and verbal threats and general abuse. Another 1 in 7 have been tailed by another motorist and 1 in 10 have been threatened or challenged by a driver who has pulled over and physically got out of their car.

Evening rush hour seemed to be a main cause of anger, with reports of aggressive behaviour peaking around this time, when people are rushing to get home after a stressful day.

Not only are lives put at risk by this dangerous driving, but car insurance premiums will go up if there is an accident and this is reflected on everyone.

Direct Line carried out a separate survey for drivers and it was found people also feel at risk when lorries are on the motorway. An incredible 18% said they felt nervous overtaking a lorry, while 39% of drivers felt frightened driving past a Heavy Goods Vehicle. In my opinion, this is a bad statistic and in some cases this could also be the cause of rising car insurance; to make sure you get the best deal, compare cheap car insurance.

Online insurance firms and all in the insurance market sector are conscientious about the prospect of fraud and vigilant toward taking measures against it.

British Insurance Brokers’ Association executive, Graeme Trudgill, said: “If it’s found out that someone is being fraudulent - and they will be found out because you have to really look into these claims - then questions will be asked.”

The Financial Ombudsman is a court that is pinnacle in deciding the doom of fraudsters, when it comes to insurance. Circa one billion pounds were paid out last year purely to in aid of fraudulent claims. The downside of this affects us all, because the insurance companies paying out those claims have to put up all their customer’s insurance premiums.

In July 2007, uSwitch carried out a study that revealed some horrifying facts. First of those is that two and half million people could be in such a position, that their car insurance is no longer valid because when registering, they had not given significant information about their insurance. Incredibly, basic details were lied about the most, with one and half million lying about address and age!

When you thought we suffered enough in the cold and wet depths of winter, it seems it gets worse. More Than, the insurance company, have claimed extreme winter weather will effect your home and your car, and in turn probably effect your insurance premiums.

During this period, the first 3 months of the year, they think road users are 50% more likely to have problems with their cars, and it is certainly advised breakdown cover should be purchased.

The other alert More Than is warning the public about is thieves stealing cars while people wait for them to warm up. It may seem obvious, but there are a lot of opportunists about who wait for these opportunities to arise and it would mean an expensive and embarrassing claim on your car insurance.

Burst pipes are fairly common over the cold season and it is advised to keep central heating running for as long as possible over this period, to avoid the hassle of having to claim on the home insurance.

Another good tip is to leave any insurance details with a trusted neighbour if your house is going to be empty for an extended period of time, just in case.

Fast winds, snow and extreme wet weather has plagued the UK for the last couple of weeks and this hostile weather has caused many problems on the road. The Highway Agency has advised drivers to pack extra clothes for warmth in case of an untimely breakdown.

Breakdown cover comparison websites are excellent places to see where to get the best deal and you can also compare household insurance here as well!

Consumers with car insurance have been told if they are travelling on January 2^nd, be warned as it is reportedly the most active day for breakdowns on the UK’s roads and this will continue into January.

The company Britannia Rescue have stated that motorists have a 63 per cent over the average chance if breaking down, when work resumes after the festive season. Andrew Beard of Britannia Rescue has said be warned of a “difficult journey” for car insurance customers and any other people using the roads on this day.

In clarification, he said: “As well as the possibility of poor weather conditions and heavy traffic, there is the added risk of cars failing to start or breaking down as many more cars than usual will have been idle over the Christmas period.”

However, drivers could take safety measures by making sure their means of transport undertake their “usual services and checks”, said Mr Beard, also adding that vehicles should be taken out for a quick drive at least once over Christmas and New Year. If the worst comes to worst, breakdown cover as part of your car insurance will help to stop the stress of it happening.

On top of problems happening on the road, they can also happen at home, by cars failing to start at all and Mr Beard said road users should think about adding the house-call option to their motor insurance policy.

There is a huge amount of competition in the comparison website market; nowadays it is a case of comparing the comparison sites themselves, taking up more time finding the best deal. As well as this, comparison web sites have had the finger pointed at them for misusing the information they retrieve through the consumer when using price comparison sites.

Included in misusing the customer details is checking which of the offers pays them the highest commission and then manipulate you to buy it. There have also been repetitive calls to consumers and cases of phone numbers and contact information being sold on to third parties.

The formation of a non-obligatory code of practice for comparison sites has been established to regulate these problems, as set out by the Resolution Foundation.

The good news is that the trouble mentioned is not typical of every comparison site. AsRecommended, which is most known for its magazine side of its business, has recently focused more of its time into a website and is a great example of one of the useful and honest comparison sites.

The end product of these regulations will be constructive in giving users and consumers an honest deal and a fair comparison.