Latest Changes to Car Insurance

Range Rover car Insurance - WS Insurance

Share This Post


In the constantly evolving landscape of the auto insurance industry, staying updated on policy changes is essential for every car owner. At, we prioritize keeping our clients informed. In this article, we’ll unpack the most recent car insurance modifications and elucidate how they impact our valued customers. Moreover, we’ll detail the steps we’re taking to ensure you continue receiving optimal coverage.

Latest Car Insurance Changes

Over the past year, there have been several shifts in car insurance regulations and market trends:

  1. Pricing Reforms: New rules have been introduced to prevent insurers from raising prices for existing customers at renewal, a practice commonly known as ‘price walking’.
  2. Enhanced Coverage for E-Vehicles: With the surge in electric vehicle (EV) popularity, many insurers are now offering tailored packages for EV owners, addressing specific concerns like battery coverage.
  3. Telematics-Based Policies: Some insurers are placing increased emphasis on telematics or ‘black box’ insurance, where driver behaviour is monitored to determine premium costs.

How These Changes Impact Our Customers

  1. Budgeting and Renewals: The ban on price walking means that our loyal customers can expect more transparent renewal prices, potentially leading to substantial long-term savings.
  2. Specialized Coverage: EV owners can now expect more comprehensive coverage, ensuring all unique aspects of their vehicles are protected.
  3. Driving Behaviour Rewards: For those who opt for telematics-based policies, safe driving could lead to significantly reduced premiums.

How WSInsurance is Here to Help

In light of these changes, is taking proactive steps:

  1. Expert Consultations: Our team is primed to guide you through these shifts, ensuring you understand how they directly influence your policy.
  2. Policy Reviews: We’re offering free policy reviews for existing customers, ensuring your current plan remains the most beneficial for your needs.
  3. Tailored Solutions: Whether you’re an EV owner or considering a telematics policy, we have a myriad of options to fit every unique requirement.
  4. Transparent Communication: At WSInsurance, we believe in clear communication. Expect regular updates from us as more changes roll in, ensuring you’re never left in the dark.


The car insurance industry might be changing, but our commitment to providing top-notch service and coverage to our customers remains unwavering. We at are dedicated to navigating these shifts with you, ensuring your journey on the road remains smooth and secure. Your peace of mind is our priority, and we’re here every step of the way.

  • Allianz – a Thatcham S5 tracker is required if the vehicle is worth £40k+, plus an excess of between 3-4% of vehicle value. It is still subject to the underwriter’s discretion.
  • Arch – tracker warranty applies for Land Rovers over £40k (usually £50k). No other changes.
  • Aviva – Land Rovers with a market value of £25,000 and over will be subject to an additional 5% of the vehicle’s value at the time of the loss. This will be over and above any existing theft excess.
  • Covéa – newer models valued £75k+ will require a Thatcham Approved S5 tracker, a minimum premium of £2,500+IPT will apply, plus an increased excess of £2,500 accidental damage, fire and theft excess along with windscreen. For vehicles under £75k then, whilst additional terms will apply, they will treat each risk individually.
  • AXA & Zurich Insurance – review each case on its own merit and apply applicable terms.

More To Explore

Commercial PRoperty Insurance FAQ
Block of Flats Insurance
Thomas Winfield

Commercial Property Insurance FAQ

Introduction Definition of Commercial Property Insurance Commercial property insurance is a type of insurance policy designed to protect businesses from