Light To Car Litter!
the North West spotted dropping litter from their car should be
fined and receive one penalty point on their licence says Keep
Britain Tidy. The anti-litter charity has launched a campaign
to tackle lazy drivers who lash the trash. More than 700,000
bags of litter are collected each year from England’s roads at huge
cost to the public and risk to maintenance staff. Much of this is
hurled from cars, vans and lorries and ends up stuck in hedges or
piled high at traffic lights. Throwing litter from a car is
disgusting and turns our roadsides into a dumping ground for fast
food litter, cigarette stubs, drinks cartons and apple cores.
Shockingly, nearly a quarter of people (23%) admit to dropping
litter from their vehicle, according to latest Keep Britain Tidy
research. In relation to litter from vehicles, the law as it
stands is complicated. Any passenger or driver can be fined for
dropping litter. But often it’s difficult to identify the
litter-throwing occupant especially if the vehicle is going at
speed. To make it easier to prosecute offenders, Keep Britain
Tidy now believes it’s time that the owner of the vehicle should be
fined and receive points on their driving licence – unless they
provide details of the culprit. In London people caught
throwing litter from motor vehicles are facing fines of £100 thanks
to new penalties agreed by London Councils' Transport and
Environment Committee (TEC). Phil Barton, Keep Britain Tidy
chief executive, said:- “Our research shows that the best
deterrent to stop motorists littering is points on their licence,
community service and a large fine – in that order. It needs to be
easier to prosecute offenders. The owner should be responsible for
the actions of those inside the car. We therefore want the law to go
further and see a penalty point put on the licence of those that
litter from vehicles. It is one of the most annoying things to see –
a lazy driver pulls up at the lights and dumps their litter on the
road. Our streets have become a giant dumping ground. Drivers and
their passengers should take their litter home with them.”
A month-long car litter campaign will see posters going up
nationwide to remind motorists of their responsibilities.
Nearly 100 councils in England will be working with Keep Britain
Tidy to gather evidence on when and where car litter offences occur.
They will also be campaigning to raise awareness of the problem.
North West councils working with Keep Britain Tidy on the Car Litter
Campaign are:- Bury MBC, Cheshire West and Chester, Cheshire
East Council, Lancaster City Council, Oldham MBC, Preston City
Council, Stockport Council, Tameside MBC.
People will also be asked to report incidents of littering from
vehicles on the Keep Britain Tidy
website. This information will
go on a database and used to analyse trends in littering from
Rear-end bumps prove a pain in the neck for motorists
accidents are by far the most common type of accident on British
roads. Now leading car insurance expert, Admiral has calculated
there are over 420,000 rear-end bumps in the UK each year*, and they
account for one in four of all road accidents. While the percentage
of UK motorists having road accidents has been falling steadily for
several years**, the number of accidents where one motorist hits
another in the rear has not followed this trend, suggesting many
motorists are not paying enough attention to the road ahead.
that rear-end accidents cost the insurance industry over £500
million a year. This is not only for car repairs or total loss cars
but also for personal injury claims. Around one in ten rear-end
accidents cause whiplash for the occupants of the car. While
whiplash alone costs insurers £1.9billion a year and accounts for
75% of all bodily injury claims***.
director, Sue Longthorn, said:- “Rear end bangs and shunts are
all too common on our roads, I think this is indicative of how many
of us drive. On main roads, many drivers don’t leave enough space
between themselves and the car in front so if that car brakes they
hit them in the rear. The stopping distance at 40 mph is 36 metres,
the equivalent of nine car lengths. In built-up areas, where traffic
is so slow moving, people tend to get frustrated and drive a little
too aggressively. When they do this there is more of a chance they
will bump the car in front.”
There is another
worrying statistic that could explain the rise in rear-end
accidents. The number of staged accidents is rising and rear-end
accidents are the easiest to stage. Fraudsters will pull off in
traffic or at a junction and then break suddenly. This will cause
the car behind them to hit their rear. They will then make a claim
for not only car damage but more importantly whiplash. All insurers
have reported an increase in this type of fraudulent claim. And
while they are vigilant to the signs, fake accidents can be very
difficult to prove.
Sue Longthorn, said:-
“Insurance fraud costs our industry £3 billion a year.
Unfortunately this cost has to be met in increased premiums, so it
is definitely not a victimless crime. It works out at an additional
£40 on everyone’s premium. We’d ask everyone to be vigilant on the
roads and just don’t drive too close to the car in front.”
*Based on 24.3% average of accident claims being for rear-end
accident and total accidental damage claims in UK 2007.
**Association of British Accidents research shows claims
frequency has fallen each year since 2003
***Estimates by the
Association of British Insurers 2008.
Four in ten run out of money before pay day in Merseyside
WITH four in
ten people surveyed in Merseyside regularly running out of money
before their next pay day*,
working out a budget during these difficult times is even more
important to help make ends meet, cope with any emergencies and plan
for your future. Moneymadeclear, a new service offering practical
help and information on money matters for people in the North West
was recently launched by The Financial Services Authority (FSA) and
HM Treasury, and has now published Ten Top Tips to help people with
every day money management.
Dawn Evans, a Moneymadeclear ‘Money Guide’ based in Merseyside,
says:- “Moneymadeclear offers real help that’s tailored to
individual needs, whether it’s getting to grips with budgeting and
saving, help to cope with the effects of the downturn, or
understanding tax and pensions planning. Help is available through
the Moneymadeclear website - which features tools such as a
financial health check and a budget calculator – from trained ‘Money
Guides’ over the phone, or face to face at participating local
centres but, in the meantime, here are some useful Moneymadeclear
tips to help you get started.”
1. Review your money situation:- Setting aside a few minutes a week
is all it takes to review your money situation. Using a
‘Budget Calculator’ like the one on the Moneymadeclear
website will help you work out your weekly or monthly income and
prioritise your spending.
2. Keep track of things:- Once you’ve got your budget sorted, you
need to stay in control by, for example, making a note of when your
annual payments are due so that you can budget for them in advance
and avoid late payment fees. You should also set up Direct Debits
for payments like utility bills or credit cards so that the money is
automatically paid from your account when it’s due. Check your bank
and credit-card statements as soon as you get them to review your
spending. Know roughly what your balance should be and contact the
bank or credit-card company if you think anything looks wrong.
3. Avoid over-commitment:- It is easy to become overcommitted; every
time you sign up for a new service (for example, cable TV, gym
membership, or a mobile phone contract), buy something on hire
purchase, or credit card, you add to your monthly commitments. When
this happens you need to review your budget and adjust your spending
priorities to allow for it.
4. Shop around and limit yourself:- Whenever you shop, either in a
store or online, there are often vouchers you can use to save money,
which can be found in magazines or online. But remember, don’t buy
something just because you have a money-off voucher – you may not
need it anyway. Writing a shopping list can also help you stop
buying things on impulse that you don’t really need. Set an
affordable limit on luxury items and gifts being before going
shopping, and stick to it.
5. Check you’re paying by the cheapest method:- Often paying by
Direct Debit is the cheapest method, and some companies may charge
you a handling fee if you pay by credit or debit card, so always
6. Don’t buy insurance you don’t need:- Check whether you’re already
covered by existing insurance before you take out new cover. Your
home contents insurance may cover you for loss of personal items
while away from home, electrical items may be covered if they break
down and your employer or bank may offer health or travel insurance
as a benefit.
7. Save energy:- You can save money but cutting down energy
consumption in your home and car. You can check whether you would be
eligible for a grant to help pay for insulation, compare prices of
energy providers and get tips on how to cut down energy consumption
in your home on the Energy Saving Trust’s
‘Greener driving tips’ could also help you save one month's
fuel over a year (direct.gov.uk/.../DG_064428
8. Build up some savings:- It’s a good idea to put some money aside
for emergencies or unforeseen costs, such as replacing expensive
household items like washing machines if they’re not covered by your
insurance. As you won’t know when you’ll need this money, make sure
you can access it easily. If you put aside a little each month and
make sure you’re getting a good interest rate, it will soon build
9. Set yourself goals:- Using Moneymadeclear’s ‘Financial
Healthcheck’ tool, you can set yourself goals along with a
time you want to reach them by. These could be long terms goals such
as saving for children’s education and retirement or short term
goals such as saving for a holiday and reducing credit card debts.
10. Don’t ignore problems:- If you find that your finances are
spiralling out of control, try not to panic or ignore the problem.
It’s best to act sooner rather than later, as the people you owe
money to may be able to help you manage your repayments. The
Moneymadeclear ‘Dealing With Debt’ will give you some
ideas of what you can do.
For impartial money guidance please visit:-
or call:- 0300 500 5000 for a completely confidential chat or to
arrange a free face to face session with a money guide near you.
* Based on a survey conducted by online market research company
with a total of 6,151 respondents from across the North West and
North East of England, March 2009s