car-insurance-how-prices-are-worked-out

How Car Insurance Prices Work

In my usual trawl for useful and interesting things on the interwebs I came across this breakdown of how car insurance prices are calculated from confused.com. It’s nicely all in pictures, everyone love pictures cus they are nice and easy to understand. So lets take a look.

car-insurance-how-prices-are-worked-outAs you can see there are many factors that come into account when calculating a car insurance premium. Age is perhaps the biggest factor in how much you pay. But also surprisingly is your gender.

Women pay much less on their premium than men, as they are judged to be at a lower risk of being in an accident. If you are in your teens you can also expect to pay a mighty sum for your car insurance for a good few years. Older drivers have much cheaper premiums.

Where you live also plays a big part in how much your premium will be. North London is the most costly location to insure a car along with Northern Ireland and North East England. The cheapest locations are South West England and Scotland. Generally the more rural areas are cheaper than Urban ones.

Your occupation also makes a difference on your premium, especially if you use your car for work. However if you do a job with late working hours, you may be more inclined to get a discount for using the roads when they are quieter. If you do a job where you might mix with the rich an famous then your premium is likely to increase further. Teachers, police and solicitors are likely to have cheaper premiums.

Other things that will effect the cost include the length you have held you licence, if you have any previous motoring convictions, the vehicle type and age, no claims bonus and your yearly mileage.

So what’s the best and worse case scenarios for car insurance cost? The Best: An old female teacher living in the south west of England, with a small older car and low annual mileage. The worst: A 17 year old male that works with celebrities, drives a expensive new sports car and lives in London.

Tune of the Day: Limit To Your Love

Here is a hot tip for 2011. Already featured in the BBC‘s sound of 2011, James Blake could have a bright future ahead of him. I absolutely love this track and I don’t care who knows it. Here is “Limit to your Love”

John Cage silence

Silence for Christmas Number 1

This is perhaps my favourite Christmas single release of all time. If not the only one I will ever buy. You will no doubt have heard of last years succesful campaign to get Rage Against the Machine to Number 1 in order to beat the winner of X Factor in protest of its awfulness, and Simon Cowell. This year could prove to be even more embarrassing for the both Cowell and his TV show.

John Cage silence

I am totally for this protest. I think the X Factor is quite simply gross. It is so false. None of these people will be successful and few are even remotely talented. But what I hate most about it is that it is forced upon us. How many people really want another series of this shit year in year out? Let alone the awful horrible songs these people are forced to sing on the show. Simon Cowell, you are past it. You have not successfully found a good artists for the best part of a decade. You are forcing bad music that you wish to remain on us because you can. Nobody wants to listen to Westlife covers any more! Nobody want a new boy band! We want new, exciting and different music that comes from people with heart and soul, that can sing and write music. The only reason people watch X Factor is because you refuse to let anyone do anything new!

So in protest this year, a group of actual respected and decent musicians are to record their version of one of the most experimental songs in music history. John Cage, for those of you that don’t know, is responsible for some of the strangest music ever written, with a passion for minimalism. This year a coalition of artists are gathering to record their version of perhaps his most profound piece 4′33″. It is essentially an orchestra sitting down at their instruments but playing nothing for the songs 4 minutes and 33 second duration.

Artists including Orbital, Imogen Heap, Pete Doherty, Billy Bragg, Coldcut, John McClure, The Kooks, Heaven 17 and The Big Pink are attending the recording session at Dean Street Studios in Soho, which will be produced by Paul Epworth, who won the Brit Award for best producer this year.

The proceeds of the track will go to charity, and would certainly outdo last years achievement of getting rage against the machine to number 1. It would without a doubt be the biggest upset to the mainstream music industry of all time, but at the same time the biggest achievement for real music fans ever. Get involved people. John Cage was a genuine legend and getting this to number 1 would allow him to have a legacy as big as he deserves.

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