But of course, individuals aren’t statistics. Plenty of younger drivers are safe behind the wheel – and there’s a new piece of technology that gives them the chance to prove that.

By monitoring their driving habits and charging young drivers premiums that depend on the quality of their driving, the ‘Smartbox’ could earn young drivers a discount on insurance.

As the Co-operative Insurance explains, it’s a ‘Pay-How-You-Drive’ box, rather than a ‘Pay-As-You-Drive’ box. It’s a box that fits into the car and sends information to the ‘online dashboard’ so the insurer can see how safely they’ve been handling things like accelerating, braking, speed limits, cornering and so on.

With so many stories in the papers about the rising cost of car insurance these days, it’s well worth looking into ideas like this.

There are several different types of Mortgage insurance out there.  Life Cover offers quotes for Mortgage Protection Life Insurance and Mortgage Payment Protection Insurance.  Each quote offered is free and there is no obligation to buy.  Life Cover does offer a Price Promise that if you find a better like for like quote though a different company, Life Cover will beat it guaranteed if they are notified with 7 days of their quote.

Some may not know the differences between the types of Mortgage Life Insurance and Mortgage Payment Protection and it often gets confusing and take some time to figure out.  Mortgage Life provides a lump sum to the surviving family to pay off any outstanding mortgage balance in the event of the policyholder’s death.  Mortgage Payment Protection provides a monthly sum to cover the mortgage payments while recovering from a short term injury, illness or unemployment for up to 12 months.

Quotes for each can be for the insurance alone or the insurance combined with Life insurance or ASU (Accident, Sickness, and Unemployment insurance).  Each quote is built with your specific situation in mind so it covers just what you need it to and for a price that fits your monthly budget.  You will gets quotes from several of UK’s leading insurers which means you are in good hands in your family’s time of need.  And if you have any questions regarding the different policies and quote options, Life cover offers free independent advice to help you pick the best options and therefore best quote for you.

So whether you are shopping for specifically Mortgage Payment Protection or looking to combine it with ASU insurance, you can pick and choose which quote optimizes the coverage you need for the least amount of money.  Another good option is to consider a reputable provider of Pension annuity quotes …And that is a time and cost saver for you.