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Sainsbury’s Car Insurance Driver Behaviour Index 2012: Report Reveals Improvements But Dangerous ‘bad Habits’ Remain

22 October 2012

The Sainsbury’s Car Insurance Driver Behaviour Index 2012(1)reveals that British motorists have become more cautious on the roads year-on-year, with decreases in the number of drivers excessively speeding, using a mobile phone behind the wheel, driving without a seatbelt and tailgating.

However, some ‘bad habits’ appear to have increased after falling in the previous year and Sainsbury’s car insurance is encouraging motorists to drive as safely as possible, particularly as road conditions get more treacherous in the winter months.

The number of motorists who admit to excessive speeding (exceeding the speed limit by at least 10mph) has dropped from 19% in 2011(2) to 17% in 2012(1). This is an encouraging trend as speed accounts for around a quarter of fatal crashes(3).

The number of drivers who report using their phone without a hands-free set has also dropped in the last year, from 6% in 2011 to 5% in 2012. However the number of drivers’ texting behind the wheel has increased from 4% in 2011 to 5% in 2012. This is concerning as reaction times for drivers using a phone are around 50% slower than normal(4), increasing risk of accident.

The number of people who drive feeling tired has remained consistent, with 18% reporting this ‘bad habit’ in both 2011 and 2012. This figure is still worryingly high as nearly 20% of crashes on major roads are due to driver fatigue(5). The number of drivers who admit to driving wearing inappropriate footwear has also remained the same, with more than one in ten (12%) reporting driving in flip flops, or wearing no shoes.

Also consistent is the number of people who admit to driving under the influence of alcohol. In both 2011 and 2012, 6% of drivers reported driving the morning after the night before while still possibly under the influence of alcohol. Another 6% admitted to driving after an alcoholic drink, which has remained consistent in the last year, despite Government advice that the only way to stay safe is not to drink any alcohol if you’re driving. Drivers who are over the legal limit could face a driving ban and large fine(6).

Ben Tyte, Head of Sainsbury’s Car Insurance, said:  “It’s encouraging to see that driver behaviour on our roads remains, on the whole, at a consistent level and is improving in some areas. We’re pleased to see a reduction in excessive speeding, as this is the cause of so many accidents on our roads. Being a safe driver means you are not only protecting yourself and your family, but also other motorists, pedestrians and cyclists so we’d encourage everyone to take extra caution while they’re behind the wheel, even if they already consider themselves a safe driver.”

Encouragingly, more drivers than ever are safety conscious when getting behind the wheel, with only 3% admitting to driving without a seat belt, compared to 5% in 2011.  2012 has also seen aggression on the roads fall to an all-time low with only 4% of drivers admitting to tailgating when driving, down from 5% in 2011. The number of drivers reporting road rage has stayed at a consistent low of just 2%.

The Sainsbury’s Car Insurance Driver Behaviour Index reveals that eating and drinking behind the wheel continues to remain the most prevalent ‘bad habit’ on the roads with over a quarter of drivers (27%) admitting to doing this in the previous month alone. This number has remained the same since 2011. In addition, 3% of female drivers admit to applying make-up while driving (the same as 2011) and worryingly, 2% of all drivers claim to have driven without contact lenses or glasses that they need to be able to see clearly when driving (also the same as in 2011).

Table One:  Driving behaviours (Source: Sainsbury’s Car Insurance)
Driving behaviour  Percentage of drivers admitting to doing following behaviours in the last month (2012) Percentage of drivers admitting to doing following behaviours in the last month (2011)
Eat/Drink while driving  27% 27%
Driving while tired 18% 18%
Looking at a GPS map / programming a GPS system while driving 18% 17 %
Excessive speeding  17% 19%
Driving wearing flip flops / no shoes 12% 12%
Driving the morning after the night before  6% 6%
Driving after an alcoholic drink 6% 6%
Using mobile phone while driving without a hands free kit  5% 6%
Texting while driving  5% 4%
Driving with a pet loose in the vehicle  4% 6%
Tailgating  4% 5%
Driving without a seat belt  3% 5%
Driving in a car where visibility through the windows is limited  3% 3%
Driving too slowly  3% 2%
Driving while reading a map  2% 2%
Driving without glasses or contact lenses when needed 2% 2%
Applying make-up while driving 1% 2%

Sainsbury’s car insurance provides competitively priced, quality cover, with two policy options to choose from; both offering some of the widest range of cover and benefits available in the marketplace(7).
New Sainsbury’s car insurance customers taking out a policy online or over the phone will benefit from free breakdown assistance for one year(8) and Sainsbury’s shoppers with a Nectar card could receive up to 15% discount on their premium(9). In addition, new customers taking out the supermarket bank’s Premier Cover could also benefit from double Nectar points on all Sainsbury’s shopping in-store, online and in its petrol stations for up to two years(10).

For further information on Sainsbury’s car insurance, call 0800 092 9459, visit www.sainsburysbank.co.uk or pick up a leaflet in store.

-Ends-

For further information, please contact:
Ian Morris / Charlotte Pascal
Citigate Dewe Rogerson
020 7638 9571

Notes to editors:
Regional breakdown:

Driving behaviours Scotland  North East  North West  Yorks & Humber  West Mids  Wales  Eastern  London  South
East  South
West East Mid
Eating or Drinking  33% 23% 20% 27% 27% 33% 28% 23% 27% 29% 27%
Driving while tired 24% 18% 12% 22% 13% 27% 18% 12% 15% 27% 17%
Driving wearing flip flops / no shoes 6% 6% 9% 9% 11% 25% 16% 10% 16% 16% 6%
Excessive speeding 21% 17% 13% 14% 12% 16% 23% 18% 13% 19% 20%
Using mobile phone 6% 7% 4% 5% 4% 14% 7% 4% 4% 8% 2%
Texting  9% 4% 2% 3% 5% 13% 7% 4% 3% 7% 2%
Looking at a GPS map / Programming GPS on the move 20% 12% 18% 15% 19% 11% 18% 22% 16% 21% 14%
Driving in the morning after the night before  4% 5% 5% 7% 3% 9% 6% 3% 7% 8% 7%
Driving without a seat belt  6% 2% 2% 2% 2% 10% 1% 5% 4% 3% 3%
Driving where visibility is limited 4% 1% 3% 3% 3% 0% 0% 5% 3% 7% 1%

(1) Sainsbury’s Bank commissioned ICM on behalf of its car insurance division. ICM interviewed a random sample of 1,600 GB drivers aged 18+ via online between 1st – 2nd August 2012.  Surveys were conducted across the country and the results have been weighted (grossed-up) to the profile of all adults (over 18s).  ICM is a member of the British Polling Council and abides by its rules.  Further information at www.icmresearch.co.uk
(2) Sainsbury’s Bank commissioned ICM on behalf of its car insurance division. ICM interviewed a random sample of 1,548 drivers aged 18+ via online between 29th-30th June 2011.  Surveys were conducted across the country and the results have been weighted (grossed-up) to the profile of all adults (over 18s).  ICM is a member of the British Polling Council and abides by its rules.  Further information at www.icmresearch.co.uk
(3) (3)  http://www.publications.parliament.uk/pa/cm201213/cmselect/cmtran/506/506we15.htm
(4) http://www.direct.gov.uk/en/TravelAndTransport/Roadsafetyadvice/DG_188761
(5) http://think.direct.gov.uk/fatigue.html
(6) http://www.direct.gov.uk/en/TravelAndTransport/Roadsafetyadvice/DG_195019
(7) Source: Defaqto
(8) Offer is available up to and including 9th January 2013. Sainsbury’s Breakdown Service is provided by Green Flag and underwritten by U K Insurance Limited. This is an introductory offer that only applies to the vehicle covered under the policy purchased. Terms, conditions and exclusions apply. Full information is available at www.sainsburysbank.co.uk. An additional four levels of breakdown cover are available and can be purchased and added to the policy. Seewww.sainsburysbank.co.uk for full information.
(9) Introductory offer available when you obtain a quote online or over the phone directly from Sainsbury’s Bank. Subject to minimum premium. At least 10% of Nectar customers who are Sainsbury’s shoppers will achieve the maximum discount of 15%. Terms and conditions and exclusions apply, seewww.sainsburysbank.co.uk
(10) Customers could earn 2 points on their Nectar card for every £1 spent in Sainsbury’s stores. The Sainsbury’s Bank double Nectar point reward offers an additional 2 points for every £1 spent for two years. Therefore, the total combined reward is the equivalent to 2% off when you shop in-store at Sainsbury’s and swipe your Nectar card at the till. Points are not available on a limited range of Sainsbury’s goods and services – see in-store or sainsburys.co.uk/nectar for details.
Sainsbury’s Bank:
To view our latest press releases and product information, please visit the Sainsbury’s Bank online media centre atwww.sainsburysbank.co.uk/media.

Sainsbury’s was the first major British supermarket to open a bank, commencing trading in February 1997. Benefiting from a fantastic, trusted brand that enables us to combine the shopping experience with personal finance, Sainsbury’s Bank provides a range of quality products including insurances, credit cards, savings and loans. Our proposition is to make shopping more rewarding by offering customers great products at fair prices, while consistently rewarding shoppers for their loyalty and being easy to do business with at all times.  Our products consistently top Best Buy tables and regularly win awards for quality, price and service.

This year, Sainsbury’s Bank has been awarded Best Personal Loan Provider, Consumer Moneyfacts; Best Low Rate Credit Card Provider and Best Credit Card Provider for use abroad (Gold Credit Card), Moneyfacts; Best Loan Provider, Moneysupermarket Supers; Pet Insurance Intelligent Choice, Customer Satisfaction, Consumer Intelligence; Best Direct Personal Loan Provider, Your Money Direct; Best Online Pet Insurance Provider, Your Money Direct; Best Loans Rate, Moneynet; and Best Term Assurance Provider, Investment Life & Pensions Moneyfacts Awards.

Sainsbury’s Bank is a joint venture between J.Sainsbury plc and Lloyds Banking Group.
For further information and general Sainsbury’s Bank enquiries customers can call the freephone number on 0500 40 50 60 or visit www.sainsburysbank.co.uk
Direct Line Insurance Group plc
Direct Line Insurance Group plc (Direct Line Group) is headquartered in Bromley; it has operations in the UK, Germany and Italy.

Through its number of well-known brands Direct Line Group offers a wide range of general insurance products to consumers. These brands include; Direct Line, Churchill and Privilege. It also offers insurance services for third party brands through its Partnerships division. In the commercial sector, its NIG and Direct Line for Business operations provide insurance products for businesses via brokers or direct respectively.

In addition to insurance services, Direct Line Group continues to provide support and reassurance to millions of UK motorists through its Green Flag breakdown recovery service and Tracker stolen vehicle recovery and telematics business.

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