A report by the AA has confirmed a massive increase in car insurance premiums in the UK over the last 12 months. The report shows that comprehensive car cover has increased in cost by 11.5% over the last 12 months although there has been a massive 57% increase in the cost of premiums for third party, fire and theft arrangements. Younger drivers are bearing the brunt as you might expect although the increase in general car insurance premiums is very confusing to say the least.

While there is no doubt over the last few years there has been an increase in the number of uninsured drivers in the UK with the liability falling on insurance companies, who pass this on to consumers via higher premiums, but is this fair? To see a 40% increase in general car insurance premiums over the last 12 months, when you bear in mind the recession and the fact that many people and not able to use their car is much as they have done, how can this be justified?

The problem with car insurance is the fact that legally each and every automobile in UK has to be insured at the very least for third party, fire and theft. So basically the government and insurance companies have motorists over a barrel but who is fighting the side of motorists in the UK?