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ROAD TRIP IN UK AND IRELAND

Finally, June has arrived and the school holidays are almost here. Did you know that school teachers’ average working hours range from around 55.2 hours right up to 63.3 hours per week? That’s why we think it’s important for our teacher customers to make the most of their summer breaks with some well-deserved downtime.
To inspire you, we’ve come up with some of our favourite road-trip destinations around the UK and Ireland.

Stonehenge, Wiltshire, England

Stonehenge england

(source: English-heritage.org.uk)

Stonehenge is one of the best-known prehistoric monuments in the world. It’s located in Wiltshire, England, 2 miles west of Amesbury. The attraction has a world-class exhibition and visitor centre. Although visitors can’t physically walk amongst the stones, they stand on the Salisbury Plain and the giant stones can be seen from miles around.
Although it is not known exactly why Stonehenge was built, there is widespread speculation as to why it was created. These ideas range from astronomy to ancient healing grounds.

Caledonian Canal, Inverness, Scotland

Inverness in Scotland

Source: By The original uploader was Flaxton at English Wikipedia – Transferred from en.wikipedia to Commons by sevela.p., CC BY-SA 3.0, https://commons.wikimedia.org/w/index.php?curid=3878047

The 62 mile (100 km) coast to coast canal is located from the northeast to the southwest of Scotland, and only one third is man-made (engineered by famous Scotsman Thomas Telford), the rest has been formed by Loch Dochfour, Loch Ness, Loch Oich and Loch Lochy.

The canal attracts over half a million visitors each year, with visitors enjoying walking, cycling and taking boat cruises.

Ring of Gullion, Northern Ireland

Ring of Gullion in Northern Ireland

Source: geographical.co.uk

The Ring of Gullion is located in South Armagh in Northern Ireland. It’s an area of Outstanding Natural Beauty (AONB) which was the first ring dyke to be geographically mapped. Alongside this, it is surrounded by the Slieve Gullion Forest Park, Camlough Lake and the Cashel Lakes.

Norfolk Lavender Fields, England

(Source: visitbritain.com)

Visit the world famous and picturesque Lavender Gardens and Lavender Oil Distillery in Norfolk. Around 100 acres of lavender fields with tea rooms, a restaurant and an on-site gift shop filled with creative lavender themed gifts.

Gaping Gill and Ingleborough Cave, England

Gaping Gill

(Source: www.tomorrows-news.com)

Gaping Gill is one of the most famous caves in the Dales in Ingleborough, North Yorkshire. At 233ft deep, it retains the records for highest unbroken waterfall in England. Visitors are warned not to attempt to explore side passages without experienced guidance.

Carrick-a-Rede Rope Bridge, North Coast of Northern Ireland

rope bridge in northern ireland

(Source: irishnews.com)

Put your fear of heights to the test by crossing the famous Carrick-a-Rede Rope Bridge. The 30 metre high rope bridge is a great spot to take in the coastal views of the North Coast of Northern Ireland.

Developed by the National Trust, Carrick-a-Rede Rope Bridge is located close to Ballycastle in Northern Ireland.

Cliffs of Moher, Ireland

Cliffs of moher in Ireland

(Source: WildRoverTours.com)

Experience nature in its wildest form at the Cliff of Moher. The cliffs are located at the South-western edge of County Clare in Ireland and are one of Irelands most visited tourist destinations. Not to mention, making appearances in several blockbuster films, such as Harry Potter and the Half-Blood Prince, and featured in music videos by Maroon 5 and Westlife.

Loch Awe, Scotland

loch awe in scotland

(source: loch-awe.com)

One of the largest freshwater lochs in Scotland, with a surface area of 39 sq miles, Loch Awe contains several ruined castles on the islands, including Kilchurn Castle. It’s also the home of two hydroelectric projects.
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Car Insurance on the rise due to Ogden Report

What has happened?

The Ministry of Justice has announced that it will cut the Ogden discount rate, a calculation used to determine lump sum compensation to claimants who have suffered life-changing injuries, from 2.5 per cent to minus 0.75 per cent. The news came as a shock to the Insurance industry, which had widely expected the rate to fall between 1.5pc and 1pc and the entire industry is highlighting that this will have a huge impact on premiums. This change took effect from 20th March 2017, marking the first time the rate has been changed since 2001. The move will cost the insurance industry millions of pounds and the car insurance premiums of 36 million drivers are set to rise in order to fund higher pay-outs to victims of serious accidents.

What is the Ogden rate?

When deciding on the level of compensation pay-outs, Insurers have been allowed to apply a discount rate to overall settlement awards to allow for the amount of interest that could be accrued on pay-outs. This discount is set by the Courts and is known as the Ogden rate. It has been set at a level of 2.5% since 2001.

Why has it changed?

The Government now says that this discount level is inappropriate, as interest rates have decreased considerably since 2001 and they do not believe that pay-outs are adequate. They are adjusting the discount rate to allow for higher compensation awards. 

What will it mean for drivers?

Car insurance premiums will rise substantially in order to fund higher pay-outs to victims of serious accidents, as insurers have to set aside substantially more funding to pay for these larger compensation awards. This change will apply to outstanding claims, as well as claims going forward. Early indications suggest that an average car insurance policy is likely to cost £50 to £75 more each year, whilst young drivers could face up to £1,000 in extra costs.

This table1 shows just how big an impact the change could make on claims payments:

    @ 2.5% Ogden rate @ -0.75% Ogden rate  
Age Gender Claim size Claim size Claim size
20 M £5,000,000 £9,904,348 +98%
47 M £8,500,000 £14,999,454 +76%
27 F £6,500,000 £13,949,421  +115%
30 F £12,000,000 £22,997,255  +92%
10 M £10,000,000 £26,512,997  +165%
70 M £1,100,000 £1,388,607  +26%

 

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