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Teaching your teen to drive safely on the roads

For most teens, getting their full license is a mark of pride and a big step on the way to becoming a fully fledged adult. However, as a parent you have an important role to teach your teen to be a safe and responsible driver before they hit the roads.

It’s an unfortunate fact that younger drivers tend to be more at risk of being involved in a motor vehicle accident. According to the The George Institute Young Driver Fact Base, injury is the single biggest cause of death in Australian youth and 45 per cent of these fatalities are due to road crashes.

Hospital data for young Australians supports this statement, with drivers involved in a road traffic incident making up almost half the amount of hospitalisations in this group. Young drivers between 17-25 years of age make up one-quarter of all Australian road deaths, but they represent just 10-15 per cent of the total number of licensed drivers in Australia.

Males in the 17-25 year old age group are also more at risk than females. One-third of all speeding drivers and passengers involved in fatal crashes are males in this category, compared to 6 per cent of females.

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How do you obtain a drivers licence in NSW?

Article PhotoAs with all the other states and territories, drivers in New South Wales must go through a strict testing system before being qualified to use the roads. According to the Roads & Maritime Services in NSW, data from the first quarter of this year indicated there were 311,639 learner licence holders in the state.

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5 essential items to keep in your first aid kit

Article PhotoHaving a well stocked first aid kit in your car is a handy item at all times, because you never know when you might need to administer immediate care for yourself or others on the road. However, a kit that doesn’t have the right essentials isn’t going to be much use, so it’s important to create yours carefully.

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Handy items you should always have in your car

Article PhotoWhen you’re out traveling, you never know what emergencies or unexpected events might occur. Even though it’s impossible to predict what could happen on any given day, being as prepared as you can will certainly go a long way towards your safety and that of other drivers as well.

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Tips for driving on different terrain

Article PhotoHaving a car means you can travel far and wide, over terrain both familiar and unknown. However, when you’re out on the roads it’s important to remember that different conditions will often require extra special care in order to avoid accidents and negotiate hazards successfully.

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The AAA calls for improved infrastructure funding

Article PhotoThe Australian Automobile Association (AAA) is calling for a greater focus on infrastructure funding across the country, in the hope that it will support better roads in every state and territory.

“The current approach to road funding is clearly broken with crippling congestion in the cities and inadequate and unsafe highways in many rural areas,” AAA Chief Executive Andrew McKellar said in a March 25 statement.

“Reform of current approaches to funding for our roads and transport infrastructure is a national priority.”

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NSW road funding maintenance at historic highs

Article PhotoThough it’s compulsory to obtain a CTP green slip for your vehicle, fewer NSW drivers may end up claiming under the scheme with road maintenance funding at an all-time high in 2013 to 2014.

NSW Government, Minister for Roads and Ports Duncan Gay announced that funding for road maintenance and minor improvements to roads and bridges within NSW, including council-owned infrastructure, has hit record levels.

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Who are the green slip insurers in NSW?

Article PhotoCTP green slips are compulsory in NSW.  You can not register your vehicle without first purchasing a green slip.

Seven insurers are licensed to issue greenslips in NSW.

Currently, the seven insurance licenses are controlled by five companies.

An overview of the insurers is set out below.

AAMI
AAMI is owned by Suncorp.  As at June 2012, AAMI had a market share of 8.8%.  AAMI provide an online quote and purchase facility, and you are able to deal with a consultant over the phone. AAMI does not offer discounts on other products for purchasing a ctp green slip, and do not offer additional at- fault driver cover.

Allianz
Allianz had a market share of 12.6% as at June 2012.  Allianz Group also operates the CIC Allianz licence.  As at June 2013, the combined market share for the Allianz group was16.7%.   Allianz offers the added feature of At-Fault Driver Protection, however there are exclusions, including motorbikes, drivers aged under 25, and vehicles more than 10 old

CIC Allianz
CIC Allianz is the second licence operated by the Allianz Group.  As at June 2012 CIC Allianz had a market share of 4.2%.

GIO
GIO is owned by the Suncorp Group, which also owns AAMI.  As at June 2012 GIO had a market share of 12.7% and as at June 2013 GIO and AAMI had a combined market share of 21.8%.  GIO offers Driver Cover Plus with some green slips as their form of at- fault driver cover. This excludes motorbikes, drivers aged under 25 (unless also comprehensively insured with GIO) and vehicles with a GVM exceeding 4.5 tonnes. You can obtain a quote and purchase green slips online, and the website provides information on branch locations. GIO also offers some discounts on comprehensive insurance.

NRMA Insurance
NRMA has the largest market share, with a market share of 35.3% as at June 2013.  NRMA offers at-fault driver cover, except for motorbike riders. Phone and online quotes and purchase are available.  NRMA operates the most extensive branch network of all the insurers.  You can visit their website to find your nearest branch.  NRMA also offers mutli-policy discounts on other products.

QBE
As at June 2013, QBE had a market share of 19.9%.  QBE do not offer any form of additional at fault driver cover. Quotes and purchase are available online,and brokers and agents are used to distribute products – QBE will help you find your nearest. No discounts are offered on other products or services with the purchase of a green slip.

Zurich
The final insurer is Zurich, with a market share of 6.2% as at June 2013. Zurich offer CTP At-Fault Driver Insurance with some green slips, with some exclusions, including for green slips issued quarterly or every six months. No online purchase is available, but Zurich will help you find your nearest broker or agent.

A full comparison of at-fault driver cover, discounts and ease of access for purchase for each of the insurers is available on this site.  A green slip price comparison is also available.

New agreement may benefit road users

Article PhotoHave you ever found yourself pleased with a bargain offer of eight, 16 or even 40 cents per litre off your next fuel bill from your supermarket docket?

According to the Australian Automobile Association (AAA), inflated supermarket docket offers are not actually as beneficial as you may think. In fact, in a media release, the AAA asserted that supermarket docket offers decrease competition in the fuel market and could actually end up costing consumers more in the long run.

Chief Executive of the AAA, Andrew McKellar, stated “the supermarkets have not been providing shopper docket offers as a form of charity but rather as a mechanism to distort the marketplace”.

Thus, an agreement labelled by the AAA and accepted by major supermarkets to stop providing these offers is “a step in the right direction”, and will increase competition in the fuel market.

Mr McKellar indicates that reduced competition due to supermarket docket offers could ultimately mean the consumer spends more elsewhere.

Customers are offered discounts in return for spending a certain amount on their groceries, with higher fuel vouchers offered for a more costly supermarket spend.

In addition, these fuel discounts can make it difficult for those in the petrol industry, as such offers could decrease competition between competitors until Australians are utilising only the select few fuel retailers that are involved in the shopper docket scheme.

However, Mr McKellar believes that motorists realise reduced competition could end up costing them more money in the end.

“Motorists are smarter than the supermarkets think”, he said.

This is backed up by a survey conducted by the AAA indicating that only 42 per cent of motorists who used supermarket dockets actually believed they were saving money.

Motorists looking to save money in the long run could be better off getting a green slip comparison than using such dockets. Getting 40 cents per litre of your fuel bill doesn’t compare to getting caught in a tricky situation without ctp insurance to cover you!