West Lothian and Falkirk drivers are middle of the road

Drivers living in the Falkirk Council area are less likely to run into trouble than those in other areas of the UK, new figures suggest, with an above-average no claims record.

Monday, 2nd November 2020, 7:17 am
Stock Picture : John Devlin

While, West Lothian drivers are middle-of-the-road when it comes to their no car insurance claims record, new figures suggest.

The Falkirk Council area average is 6.7 years with no claims, according to an analysis by the price comparison website comparethemarket.com.

This was slightly higher than the UK average of 6.5 years, based on car insurance enquiries made by customers between May 2018 and July this year.

In West Lothian the area average is 6.5 years with no claims, according to the analysis.

Dan Hutson, head of motor insurance at comparethemarket.com, highlighted the importance to drivers of shopping around for the best deal.

He said: “Lots of factors are taken into account when calculating a driver’s risk profile but having a higher no claims could be a good indicator that someone takes care while on the road.

“Having more years of no claims could mean that your risk profile is lower, and that you could be offered lower car insurance premiums as a result.

“The size of the car insurance no claims bonus varies between providers, if offered, so it’s as important as ever to shop around for a best deal to suit your needs.”

Drivers across Scotland as a whole went 6.5 years without making a claim on average – in line with the UK average.

Glasgow’s and the Shetland Islands’s road users fared the worst in the country, only going 5.5 years without a claim, while those in East Dunbartonshire came out best, at 7.4 years.

The area with the worst record overall in the United Kingdom was Tower Hamlets in London, with just 4.4 years, while at the other end it was 7.6 years for East Dorset’s drivers, in the South West.

Steve Gooding, director of the RAC Foundation, said the amount of no-claims years we each achieve “isn’t just a result of our own care and attention”.

He added: “Much is down to the risks around us and the behaviour of others.

“So, it is not surprising to see heavily trafficked, tightly packed, densely populated urban areas associated with lower levels of no-claims.”

The analysis also showed that of the 20 areas across the UK where drivers have the lowest average number of years with no claims, 15 were in London.