Top 5 Most Common Car Insurance claims

Posted on by Talicza Stevens

 

Making a claim to an insurance provider can be stressful. Especially if it was your fault or could involve losing your ‘no claims’ bonus.

Insurance providers deal with claims every single day. According to a Statista study, approximately 11.8 billion pounds were paid in motor claims by UK insurance companies in 2020.[1]

We’ve listed the most common car insurance claims made so you can try your best to avoid becoming a statistic.

 

1. Windscreen Damage

Car with a smashed windscreen

Windscreens can be damaged very easily. Whether it’s a small chip from a stone hitting your window or larger crack, windscreen damage is one of the most common car insurance claims.

It’s tempting to leave a small chip, but this can spread quickly if you drive over a bump, hit a pothole, or experience a fast change in temperature. This can then obstruct your view of the road, which can be very dangerous. It’s important to get your windscreen fixed as soon as you possibly can before it gets worse. Here’s just a few reasons:

  • Getting a chip fixed is cheaper than fixing a large crack or replacing an entire windscreen.
  • Having a damaged windscreen can make you fail your MOT.
  • If you were to be stopped by the police whilst having a damaged windscreen, you could receive a fixed penalty of 3 points on your licence and a fine.

Not all insurance policies cover windscreen damage, so check your policy documents if you aren’t sure.

If you’re a Vavista  customer, you can find out more about making a windscreen damage claim here.

 

2. Theft

A man breaking into a car

A theft claim doesn’t always involve having your entire car stolen. It could be that someone has smashed the window and taken your new upgraded stereo system or even spare change.

A lot of newer vehicles now have keyless ignition or entry, we strongly recommend you investigate steps you can take to protect your vehicle.

Whatever has been stolen, you’ll need to inform the police and get a crime reference number to be able to report it to your insurer.

The Citizens advice bureau suggest if it’s just your possessions that have been stolen from your vehicle, you might be able to choose between claiming on your home contents insurance or your vehicle insurance. This depends if the items stolen are covered on your home insurance and where your car was when it was broken into. You’ll have to check your policy documents to make sure this is the case.

If you are looking for home insurance, head to Vavista Home Insurance page for a quote.

You can try and make theft harder by parking your car in your garage, or by fitting your car with an immobiliser if you don’t have one. Be sure to let your insurer know if you make any changes like this, so your insurance remains valid. Looking after your car keys can also help to prevent someone stealing your car too, if you lose your keys or think they have been stolen check your policy documents to see if you have key cover.

 

3. Whiplash

Man holding his neck with whiplash in a car

 Whiplash is one of the most common injury claims when it comes to road traffic collisions (RTC’s). Whiplash is a neck injury that is caused by muscles in the neck over extending. This is common within RTC’s due to the impact of a crash throwing your head forward.

More than 1500 whiplash claims are made a day in the UK[2]. However, whiplash is also very difficult to detect, making it a prime claim for fraudsters.

Because of this, in 2021, the government brought in the Whiplash Reform Programme to prevent false whiplash claims. It limits the amount you can be rewarded for whiplash and means you must provide medical evidence to prove your claim is genuine.

If you think you may have whiplash as the result of an accident you can claim whether you are the driver or any of the passengers.

 

4. Damage to parked vehicle

A woman inspecting a scratch on the back of her car whilst on the phone

If you come back to your car and there is clear damage that wasn’t there when you left it, it can be hard to know what to do. This could be because of:

      • A car door hitting yours when being opened.
      • Someone hitting your car when reversing into a bay.
      • Or a full hit and run when your car is parked on the street.

Whatever happened, take photos and ask if anywhere around has CCTV or some ring doorbell footage you could use. You can fit your car with a dashcam, which may help you to find a driver if they do cause any damage to your car and leave the scene.

5. Rear-end crash

Blue car with a dented in bonnet after crashing into a black car in front of it

Rear-end crashes are very common, especially when a driver is distracted and has not seen you stop. Occasionally, these are incidents of “crash for cash”. This is where drivers deliberately cause accidents to achieve an insurance pay out. This can involve a car in front of you slamming on their brakes for no reason to cause the driver behind to go into the back of them.  If you think this could be the case, it’s important that you tell us about the accident as soon as possible.

If you’re worried about ending up in one of these situations it may be worth getting a dashcam, not only do they act as a visible deterrent to criminals targeting you, but you’ll also have footage of the incident to support yourself in the event of an insurance claim being taken out against you[3].

You should also never use your phone while driving. Not only is it illegal, but it also puts you at a huge risk of ramming into the back of another vehicle.

Though these situations can’t always be avoided, it’s important to protect yourself as best as you can. By having adequate car insurance coverage, you can have peace of mind knowing you’re protected.

Why not read of one What to do if you have an accident blog?

Need to make a claim?

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[1] Total motor claims paid UK | Statista

[2] Making A Whiplash Insurance Claim | MoneySuperMarket

[3] Insurance Fraud Bureau | A ‘Crash for Cash’ every four minutes – Drivers urged to report widespread car crash scams on Crimewatch Live feature

7 ways you can reduce your food waste

Posted on by Talicza Stevens

 

According to the Love Food Hate Waste website, in the UK we throw away around 6.5 million tonnes of food each year that is still good to eat!

Why is food waste bad?

It’s not only bad for our wallets – costing us over £3.5 billion a year, it’s bad for the planet too. According to UK food charity WRAP, 35% of greenhouse gas emissions come from our food and drink waste[1]. Then of course there’s the fact that people around the world are living in poverty, without enough food, when we sometimes simply throw ours away.

Most food waste happens in our homes – so how can we make a difference?

Here are 7 ways you can reduce your food waste.

  1. Know your labels!

A bag of bread with a best before date label

What’s the difference between ‘Use by’ and ‘Best before’? You may or may not know, ‘Use by’ and ‘Best before’ don’t mean the same thing.

  • Products labelled ‘Use by’ may be unsafe to eat after date on the label.
  • ‘Best before’ foods can usually still be eaten after the date specified if they look and smell ok. Don’t eat anything mouldy, and use this trick to see if eggs are still good.
  • Put suitable foods straight into the freezer if you are unsure how soon you may be eating them. A great example of this is bread you know you won’t get through. Simply pop it in the toaster to defrost and it’ll be just like fresh toast.

 

  1. Plan your meals ahead

We now it’s easier said than done, but meal-planning and checking your store cupboards before shopping can save money and reduce waste significantly. There are some great websites where you can enter the ingredients you have around the house, and they provide recipes for you.

 

  1. Watch your portions

Avoiding large servings will mean less food ends up in the bin. Many of us are conditioned as children to ‘clear our plates’ so we end up eating even though we are full. Or throwing the food away and feeling guilty.

Serve yourself just what you think you will eat and freeze the leftovers to avoid throwing away perfectly good food. Which brings us to…

 

  1. Batch cook

It’s often cheaper to buy in bulk, so it makes sense to cook up more than you need and freeze meals for another day. This saves time, energy and money too! When you are tempted to grab fast food, you can simply search your freezer for a nutritious meal.

 

  1. Be inventive

Wilted veg doesn’t need to be thrown in the bin – they can be used in a soup or stew instead. Over-ripe bananas can be frozen and added to smoothies or whizzed up with some cashew nuts to make a great, dairy-free ice-cream. Soggy berries can be added to overnight oats for a breakfast-to-go. Stale bread can be used for breadcrumbs or toasted up as croutons.

The possibilities are endless!

 

  1. Shop locally

Vegetables on display at a market in wicker baskets

Make the most of small local shops or farm shops/markets to buy portions that are appropriate for your needs. Supermarkets tend to package fruit and veg in large bags and that can really add to food waste. Bonus – you’ll also save plastic packaging and support small vendors too.

 

            7. Store fresh food properly 

Make sure your fridge temperature is between 0-5 degrees Celsius to avoid the growth of bacteria that can spoil your food as well as make you ill. You can also:

  • Avoid putting bananas and uncut pineapples in the fridge or near other fruit, as the chemicals they emit as they ripen causes other fruits and veg to ripen more quickly.
  • Stand cut herbs in a glass of water and keep them in the fridge.

Looking for more ways to be more sustainable? Here at Vavista we’re not just about insurance. We want to care for you and your planet too! That’s why we plant a tree for every policy we sell to help offset your carbon footprint.

 

 

[1] Food and Drink Greenhouse Gas emissions must be a key priority for COP26, says leading UK environmental charity | WRAP

What does Fair Trade mean?

Posted on by Alexandra Lower

The 13th May 2023 was ‘World Fair Trade Day’, a global celebration of Fair Trade. You may have seen the fairtrade logo around supermarkets or heard people talking about it. But do you know what it really means?

One thing to understand about fairtrade is that how it’s written has a major impact on its definition. Firstly, the Fairtrade logo, and ‘fair trade’ as a concept are two separate things.

The Fairtrade logo

This logo is used on products in the UK that have been certified by the global group of Fairtrade International and their associates. The logo is displayed on products which:

  • Have been grown using sustainable methods by farmers in developing countries[1].
  • Must guarantee a minimum fair price is paid to the farmers and comply with internationally agreed standards[2].

These standards are designed to support the sustainable development of smaller producer organisations and agricultural workers in developing countries. These standards follow a set of social, economic, and environmental criteria[3].

fairtrade logo

 

Fair Trade

Whereas the term ‘Fair Trade’ describes companies following the ‘10 principles of Fair Trade’s set out by The World Fair Trade Organisation (WFTO). These companies are regularly audited by third parties to make sure they are practicing the ‘10 principles of fair trade’ in their supply chain.

What are the 10 Principles of Fair Trade?

 

1. Creating opportunities for economically disadvantaged producers

Supporting marginalised, small produces to move towards a secure income, self-sufficiency and ownership.

 

2. Transparency and accountability

Involving the producers in decision making.

 

3. Fair trading practices

Trading with concern for the social, economic, and environmental wellbeing of marginalised small producers. Making sure not to just maximise profits at their expense.

 

4. Payment for fair price

A fair price is agreed by all involved.

 

5. Ensuring no child labour or forced labour

Following the UN’s convention of children’s rights, as well as following local laws on employment of children.

 

6. Commitment to non-discrimination, gender equality, Women’s economic empowerment and freedom of association

Respecting the trade unions rights and rejecting discrimination based on gender, religion, or ethnicity.

7. Ensuring good working conditions

Providing safe and healthy working conditions for all, ensuring working hours and conditions comply with international labour conventions.

 

8. Providing capacity building

Developing the skills and capabilities of its employees or members so they can continue to grow.

9. Promoting Fair Trade

Raise awareness for the aims of Fair Trade and the need for greater justice in world trading.

 

10. Respect for the Environment

Caring for the environment by maximising use of sustainable energy and raw materials while minimising waste and pollution. [4]

 

What sorts of products can you buy that are fairtrade?

There are over 6,000 Fairtrade products and buying them makes sure the people involved in making your products and the environment they work in are treated well. Some of the most common fairtrade products are:

  • Bananas
  • Coffee
  • Cocoa (chocolate)
  • Wine
  • Flowers
  • Tea

 

Looking to care more for the environment?

Here at Vavista we’re not just about insurance, we care about the planet too! That’s why we plant a tree for every policy we sell to help offset your carbon footprint.

Get a car insurance quote today

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[1] The Fairtrade Foundation – Food labelling – CCEA – GCSE Home Economics: Food and Nutrition (CCEA) Revision – BBC Bitesize

[2] What is fair trade and how does it affect your food shop? – BBC Food

[3] Fairtrade Standards –

[4] 10 Principles of Fair Trade – One World Shop

What to do if you have an accident

Posted on by Alexandra Lower

Nobody wants to be in an accident. But if the unthinkable happens, it’s important to be prepared and understand what you need to do. So, we’ve put together a cheat sheet, just follow these steps to handle any accident you’re in, in the best way possible.

  1. Stop and remain calm
  2. Check for injuries
  3. Get contact details
  4. Collect evidence
  5. Don’t discuss who is to blame
  6. Report the accident

 

1. Stop and remain calm

It’s important if you are involved in any accident you must stop! Leaving the scene of an accident is an offence under the Road Traffic Act.

Make sure your hazard warning lights are on, to alert other drivers of why you’re stopping. Turn off your engine.

Try to remain as calm as you can. Take some deep breaths and don’t let your temper get the better of you. That will only make a stressful situation worse for everyone involved.

2. Check for injuries

Check if you or anyone else is injured and if required, call for ambulance and police immediately.

Remember – never remove a motorcyclist’s helmet, unless it is essential, and you’re trained to do so. This could cause further injury.

3. Get contact details

Why is it important?

Having full and accurate information about the accident benefits both you and your insurer. It makes it a lot quicker to get any claims sorted. Plus, it’s the law that you must stop and give your name and address at the scene of an accident.

What details should I collect?

  • Names of all involved – make sure you get the names of the drivers involved.
  • Contact information – a phone number and/or email address of the other drivers. This is essential to get a claim moving as soon as possible.
  • The name and number of the other driver’s insurance company
  • Registration of all vehicles – vehicle registration, make and model can help verify the other driver’s involvement. Also check if the driver is the registered keeper. For example, the car could be a company car, or someone could be driving their parents or partners car.
  • Home address – full address and post code of all drivers involved.
  • Any passengers – number of passengers in each vehicle, along with any names if possible.

What information should I provide?

You should give the other driver the same details you took from them (see list above.)

If there is no one else involved in the accident, for example, you hit a parked car or someone’s personal property, you should still leave your details. Leave a note where the owner can see it with your name, phone number, the damage you caused and your insurance details.

If you choose to drive away without leaving details, but have been seen by a witness or CCTV, you could find yourself in legal trouble.

4. Collect evidence

By gathering as much information as possible while its fresh in your mind, you will make it much easier to make a claim. Make sure you get the following:

  • The date and time of the accident.
  • A description of what happened.
  • Take pictures. If it’s safe to do, take photos of the scene of the accident and any damage to all the vehicles.
  • The driving conditions – weather, visibility, and road quality
  • Any witness names, phone numbers and/or email addresses if they are happy to give them to you.

5. Don’t discuss who is to blame

It’s important not to admit guilt to the other drivers involved. Some insurance policies even state in their terms and conditions that you can’t admit guilt to the other parties involved at the scene. Saying an accident was your fault at the scene could invalidate your policy. It’s important to let the insurance companies decide whose fault the accident was when they have all the details. It’s not the law that you have to admit liability. Do not let witnesses or the other drivers pressure you into admitting fault.

What if it’s your fault? 

If you believe the accident to be your fault, you should report the accident to your insurer and advise of this. They will be able to reach out to the other parties involved and deal with any claim on your behalf.

6. Report the incident

To your insurance provider

You should report your accident to your insurance provider as soon as possible, providing them with the information you collected. It’s important to report an accident even if you don’t want to make a claim. This helps your insurer deal with any claims received from the other driver.

Depending on your policy, you will have a set amount of time you need to report the accident by. Check your policy documents asap for your specified time frame as reporting outside of this could invalidate your cover.

Find more information on how to make a claim here.

To the police

If anyone involved refuses to exchange details or leaves the scene, you should report this to the police. You should also report if you feel the driver was under the influence of alcohol or drugs.

If immediate emergency assistance is required call 999, however if the accident is minor, you can report the accident either by calling 101 or completing an online form. You need to report the accident within 24 hours of it occurring. Failure to do so could result in a fine, points on your licence, or a disqualification from driving.

6 Self Help Tips for Anxiety

Posted on by Dr Sally Norton

Is anxiety normal?

Mental Health Awareness Week 2023 is taking place the 15th to 21st May, and the theme this year is anxiety. Unsurprisingly, the pandemic led to a 25% increase in anxiety and depression worldwide[1], according to the World Health Organisation, and to make things worse, mental health services were more difficult to access at this time. The cost-of-living crisis have led to a lot of people having financial anxieties too.

Anxiety is certainly a common human emotion – who hasn’t been a bit anxious before an interview, social event, or a hospital appointment? Around 6 in 10 adults admit to having suffered from significant anxiety from time to time.[2] Anxiety in certain circumstances is understandable, natural and can even be beneficial – as it encourages us to prepare.

 

When is anxiety a problem?

When anxiety is frequent, occurs during routine activities like leaving the house, and interferes with someone’s life, it becomes disabling. It is termed General Anxiety Disorder or GAD when it is the main feature of someone’s mental health problems.

 

What are the symptoms of anxiety?

Symptoms of anxiety can be easy to spot. They usually present as a feeling of panic and difficulty concentrating or physical symptoms such as sweating or nausea[3].

Sometimes they may be less easy to identify – such as irritability, a feeling of detachment or sleep problems. A racing or irregular heartbeat may occur. Although this can also be a sign of an actual heart problem, which can increase anxiety in itself, especially if the anxiety is about your health.

Anxiety can lead to panic attacks. These usually come with tingling around the mouth, pins and needles in the limbs and cramps in the hands as well as hyperventilating.

Severe anxiety needs assessment and support from a medical professional who will help identify the cause and suggest treatments. Treatment usually includes general support, cognitive behavioural therapy and medication.

But, for milder anxiety symptoms you may want to consider the following. Remember though, none of these tips will replace seeing your medical professional.

 

1. Try to improve your sleep

Young female sleeping peacefully in her bedroom at night, relaxing

7-8 hours sleep is essential for most of us to maintain good mental and physical health. Poor sleep increases the stress hormone cortisol which can increase anxiety. Feeling anxious can make it harder to fall asleep and stay asleep – creating a vicious cycle.

You can increase your chances of getting a good sleep by: avoiding artificial TV or phone lights, not eating heavy meals, not drinking alcohol and reading a book before bed.

 

2. Reduce caffeine

Another easy way to improve sleep and reduce anxiety is to avoid caffeine after 12 to 1pm. Caffeine has a recognised blocking effect on adenosine, a chemical that induces sleep.

Caffeine-induced sleep disorder, caffeine-induced anxiety and caffeine-withdrawal disorder are all recognised psychiatric disorders, and yet you can buy energy drinks and high street coffees with over 300mg of caffeine per cup. The recommended daily amount of caffeine is 400mg in adults, or 200mg in pregnant adults. So, by simply reducing your caffeine intake, you may find your sleep improves and your anxiety subsides.

 

3. Get active – outdoors!

ACTIVE Young couple biking on a forest road in mountain on a spring day

Exercise has well-recognised benefits for improving both anxiety and depression. Exercise produces endorphins — chemicals in the brain that act as natural painkillers. Scientists have found that regular exercise can decrease levels of tension, stabilize mood and improve self-esteem. Just five minutes of aerobic exercise can begin to stimulate anti-anxiety effects. [4] A recent randomised controlled study showed a 12-week group exercise programme was effective in treating anxiety in primary care[5].

If you can get out in nature to do it, even better. Natural light early in the day can improve sleep, and green spaces are known to have a positive impact on mental health, so exercising outside is even more beneficial[6].

 

4. Practice deep breathing

If you want a free, easy, and fast way to reduce anxiety, then something you can do in the moment is concentrate on your breathing. Hyperventilating (breathing fast) is a result of the ‘fight or flight’ mechanism in your brain making sure you have enough air in your muscles to run or fight an imagined threat. By controlling and slowing down your breath, you can convince your brain there is nothing threatening you.

There are various phone apps that can help you with this, but there’s also lots of free resources on YouTube and on the NHS website. Just search for ‘calming breathing exercises’ online.

 

5. Boost nutrients and your microbiome

High fibre super food with whole grain bread loaf and rolls, fruit, vegetables, whole wheat pasta, cereals, seeds and nuts. Foods omega 3, anthocyanins, antioxidants and vitamins. Top view.

Evidence is showing there’s a link between good nutrition and better mental and physical health. Processed, sugary foods, low in nutrients can exacerbate anxiety whereas the nutrients in fruit and vegetables, other vitamins and minerals in fresh food, omega 3 fatty acids and more are associated with improved mood and lower anxiety in both animal and human studies.

What’s more, the latest research around our gut microbiome (naturally occurring bacteria and other micro-organisms) suggests they can interact with our brain via various chemicals that influence our mood. Prioritising high fibre foods, live yoghurt and fermented foods can boost our healthy gut microbes and our mental health too.

 

6. Find a four-legged friend

beautiful woman hugging her adorable golden retriever dog at home. love for animals concept. lifestyle indoors

Finally, various research studies have shown the positive effects on anxiety and other mental health conditions from regular contact with dogs[7]. In fact, some universities, hospitals and other institutions where anxiety can be common, have introduced ‘petting therapy’ and shown a reduction in cortisol and stress levels. Even if owning a pet isn’t possible, joining a friend for a dog-walk can help reduce anxiety and improve health in several ways. There are also schemes whereby you can volunteer to walk a dog for someone else, or even borrow them for a few days!

 

Remember, anxiety is common and sharing any concerns about anxiety symptoms with your doctor or with a mental health support service will help in itself, as well as getting you the help you need. If your anxiety is in any way troubling you, it is always best to see a medical professional first and foremost.

 

 

 

[1] https://www.who.int/news/item/02-03-2022-covid-19-pandemic-triggers-25-increase-in-prevalence-of-anxiety-and-depression-worldwide

[2] Products – Data Briefs – Number 378- September 2020 (cdc.gov)

[3] https://www.nhs.uk/mental-health/feelings-symptoms-behaviours/feelings-and-symptoms/anxiety-fear-panic/

[4] https://adaa.org/living-with-anxiety/managing-anxiety/exercise-stress-and-anxiety

[5] Henriksson M et al. Effects of exercise on symptoms of anxiety in primary care patients: A randomized controlled trial. J Affect Disord. 2022

[6] Barton J, Rogerson M. The importance of greenspace for mental health. BJPsych Int. 2017

[7] Maurice C, Engels C, Canouï-Poitrine F, Lemogne C, Fromantin I, Poitrine E. Dog ownership and mental health among community-dwelling older adults: A systematic review. Int J Geriatr Psychiatry. 2022

 

6 sustainability tips for the bathroom

Posted on by Dr Sally Norton

People have never been more conscious about how their lifestyle could impact the environment. That’s why more of us are trying to swap to sustainable alternatives. Whether that’s changing the products we use or shortening the time we spend in the shower. Sometimes it can feel hopeless, but there’s plenty we can do! We’ve put together 6 easy tips you can follow to be more sustainable in the bathroom:

1. Change your toothpaste.

Close up of hands using eco-friendly oral care accessories by sink - biodegradable bamboo toothbrush with charcoal solid toothpaste tablets. Zero waste sustainable and plastic free lifestyle

According to the British Dental journal, the UK uses 300 million tubes of toothpaste every year – enough to circle the world twice if laid end-to-end! It can take 500 years for a toothpaste tube to fully biodegrade in landfill. This is because they contain different types of plastics, and sometimes a metal layer inside the tube, which makes recycling even harder.

A great alternative is toothpaste tablets. They’re becoming more widely available in supermarkets and come in sustainable packaging like paper envelopes or metal tins. But make sure it’s a reputable brand, approved by dentists, usually with added fluoride. And, along the same lines, steer clear of disposable plastic toothbrushes – there are more sustainable alternatives like bamboo [1].

 

2. Return to bar soap.

Woman washes her brown hair with shampoo bar or soap,

As well as ditching the toothpaste tubes, let’s ditch the plastic bottles of shower gel too and go back to good old-fashioned soap. Most people associate bar soap with that squeaky, dry feeling. The new soaps, though, are a far cry from the bars of the past. They look good, smell great and many come with added extras such as goats milk, cocoa butter or shea butter to nourish dry skin. Others contain natural exfoliants like sandstone, poppy seeds, coffee grounds or oats. To avoid wasting even the smallest sliver, you can use your small old soaps in a mesh soap pouch to lather up and exfoliate too. And it’s not just body wash that can be swapped for a bar soap these days. Face wash, shampoo and conditioner can also come in bar form.

3. Recycle plastic.

Close Up Of Woman Refilling Glass Bottle with liquid soap

If you can’t find plastic-free versions of all your bathroom essentials, ensure you choose ones that are packaged in recycled or recyclable plastic – and remember not to add it to land-fill when you’re done. Some companies are now offering a refill service too. Get yourself a permanent liquid soap holder and refill it at a store near you. You can find a list here of shops that offer refills of all sorts of household items in your area.

 

4. Switch to degradable wipes.

Hand throwing out toilet sheet in bowl

Eleven billion wet wipes are thrown out each year in the UK – often flushed away, causing 93% of blockages in the UK’s sewer system. 90% of wet wipes contain plastics that turn into microplastics when broken down, contaminating water and food supplies as well as damaging ecosystems[2].

When looking for cleaning wipes or wet toilet wipes, check they are biodegradable and flushable for a more environmentally friendly alternative. This should be clearly marked on the packet.

 

5. Shorten your shower, ban the bath.

Fresh shower behind wet glass window with water drops splashing. Water running from shower head and faucet in modern bathroom.

A normal bath filled a third of the way up uses around 75 litres of water. In comparison, a power shower can use around eight litres per minute, meaning a 10-minute shower could waste more than a bath! If you want to be an eco-hero, try and keep your showers to around 4 minutes. If you can bear it, a cold shower is reported to have health benefits and will save even more energy!

Plus you can save around 3 litres of water every time you flush the toilet by using a cheap, easy to install, water-saving device in the cistern.

 

6. Use considerate cleaning products.

Eco friendly natural cleaning tools and products, bamboo dish brushes and lemon with baking soda.

Cleaning products are usually packaged in thick plastic due to their contents, such as chlorine and other potentially toxic chemicals. These can cause fumes and irritation in the home, add to the chemical waste in our water supply and affect wildlife too.

But less toxic alternatives are available, and often work just as well without a cost to the planet!

You can even make your own all natural cleaning products, that won’t break the bank or hurt the environment. Just refill old cleaning spray bottles with your new home-made alternatives. If you want to give it a go, check out these easy recipes.

Let’s change those bathroom habits that cause excessive water use and plastic waste. Implementing these six small and simple steps will help you move towards more sustainable living.

Looking for more ways to be more sustainable? Here at Vavista we plant a tree for every car insurance policy we sell.

Why not get a quote today?

Get a Quote

 

 

References:
BBC Science Focus https://www.sciencefocus.com/
[1] 300 million toothpaste tubes go to landfill | British Dental Journal (nature.com)
[2] Government considering new action on wet wipes – Defra in the media (blog.gov.uk)

What are Eco Tyres?

Posted on by Alexandra Lower

 

Have you heard of Eco Tyres? Neither had we, so we investigated it for you!

How are Eco Tyres different to normal tyres?

Traditional tyres can be bad for the environment in several ways. The governments air quality expert group have found that particles from tyres come off due to abrasion when driving and these are then found in the atmosphere[1].

Traditional tyres are also made from synthetic rubber. This comes from crude oil which is a fossil fuel and includes harmful chemicals.

These concerns have led the government to introduce legislation when it comes to the production and distribution of new tyres.

What are Eco Tyres?

The EU rates tyres on a scale of A-G. A is the most eco-friendly and G is the least. Tyres that have a rating of A or B are the best for the environment and are classed as eco or green tyres.[2]

Eco tyres, also known as green tyres, are tyres which are specially designed to be more environmentally friendly than traditional tyres[3]. For example, the materials used to make them are more sustainable and have a lower impact on the environment. They’re also thought to be more durable and fuel efficient as they provide better grip for braking.

Eco tyres are made to have a lower rolling resistance, which measures how much energy is lost when a tyre is in motion. For example, the lower the rolling resistance the lower the fuel consumption and emissions. They are also normally lighter than normal tyres, reducing fuel consumption.

What are eco tyres made of?

Eco tyres are made from natural rubber, organic cotton, and other eco-friendly materials. These materials being natural means that any particles given off through driving are not thought to be harmful. Being made with these materials also reduces the amount of energy needed to manufacture the tyre and makes them far easier to dispose of when they are at the end of their life.

 

What are the benefits of Eco tyres?

  • Reduced fuel consumption 

    They have a lower rolling resistance; they include silica which helps grip the road better. Green tyres are also usually lighter than traditional tyres, which can help reduce fuel consumption.

  • Better for the environment 

    As they’re made using natural and or recycled materials making them more biodegradable.

  • Can be longer lasting 

    They are designed to be longer lasting as part of their eco rating.

  • Reduced noise pollution 

    They are designed to be quieter on the road and shed less material into the atmosphere.

  • Improved safety 

    Due to having a better grip than traditional tyres.

 

What are the disadvantages of eco tyres?

  • Can be expensive

    Natural resources often come at a cost, meaning the tyres made from them can be more expensive than traditional tyres.

  • Not as widely available

    Finding the exact size and model eco tyre for your car can be harder than the traditional tyre option. It’ll mean a bit more hunting to find what you need.

Further laws around tyres and their efficiency and environmental impact are expected to be made by the government as we move toward our goal of net zero by 2050. So it’s worth brushing up your knowledge on Eco Tyres!

Want to know more about how you can drive more environmentally friendly? Check out our blog 6 Eco Driving Tips

 

 

[1] Pollution warning over car tyre and brake dust – BBC News

[2] Eco tyres: how are they different? | RAC Drive

[3] Eco tyres: how are they different? | RAC Drive

How to dispose of vapes properly

Posted on by Alexandra Lower

Did you know?

In the UK 1.3 million single use vapes are binned every week [1]. But have you ever been told how to safely and properly dispose of them?

In recent years vapes have become a popular alternative to smoking, especially amongst young people. Statistics show a rise from 4% of the UK in 2021 to 8.6% in 2022. This has unfortunately resulted in a higher use of disposable, single use vapes. In 2022, disposable vapes were used by 52.8% of young people who currently vaped, in comparison to 7.8% in 2021[2].

With this huge rise, what happens when the disposable vape is finished?

Please note: Smoking and vaping is bad for your health. For help to stop vaping or smoking, head to the NHS website.

 

Can I put vapes in the dustbin?

A black outlined icon of a dustbin with a cross through it
WEEE Symbol

 

No, disposable vapes contain a battery full of harmful chemicals which if left on landfill will eventually breakdown. This then leaks harmful chemicals into the soil which can lead to water and air pollution[3].

Vapes actually include the WEEE symbol  (a crossed out wheelie bin, as pictured above) meaning it cannot be placed in a household waste bin[4]. Electrical appliances should be carefully disposed of to avoid polluting the environment and saving valuable resources.

Why should I recycle my vapes?

Scarce Resources

Not only does placing vapes in household waste contribute to pollution but vapes also include precious materials which should be recycled. This includes things such as copper, aluminum and even Lithium batteries which can be recycles into Electric car batteries.

Did you know?

Materials in single use vapes thrown away every year could power 1200 electric     vehicles[5].

Environment

Vapes can have an enormous impact on the environment if not recycled correctly. Including increasing the demand for scare resources as well as the risk to air and water pollution.

Risk to Refuse workers 

Disposing of vapes in a public waste bin can be a health and safety and fire risk. If the lithium battery is damaged in the bin or while in transit to landfill it could ignite like a firework which could cause significant injuries to those handling this waste[6].

 

How do I recycle my disposable vapes?

If you can, remove the battery from the vape and recycle this separately. Don’t worry if you’re unable to remove the battery, you can still recycle the vape as a whole. Place all your vapes into a bag until you’re able to recycle them. Some areas may collect small electronics with your household recycling or you may be able to take them to your local recycling centre. To find out the best way to recycle your vapes in your area check out this website.

 

What happens to my old vape when I recycle it?

Once your vape is received by the recycling centre, batteries will be removed and the remaining vape will be broken down and categorised by materials such as metals and plastics which are then cleaned. Metals are melted down into smelters so they can be reused. Plastic materials are then sent on for further processing.

This year ‘National No Smoking Day’ 2023 is on March 8th, in a bid to give up smoking many people swap to vaping as it’s stereotypically viewed as a less harmful option[7]. For more information on this check out our blog on whether you should vape to give up smoking.

 

 

[1] Recycle vapes – Find a local recycling point (recycleyourelectricals.org.uk)
[2] Nicotine vaping in England: 2022 evidence update main findings – GOV.UK (www.gov.uk)
[3] Can we fix our way out of the growing e-waste problem? – BBC News
[4] WEEE – what does the label mean, EU requirements – Your Europe (europa.eu)
[5] Recycle vapes – Find a local recycling point (recycleyourelectricals.org.uk)
[6] CDP-2022-0216.pdf (parliament.uk)
[7] Vaping to quit smoking – Better Health – NHS (www.nhs.uk)

Should you vape to quit smoking?

Posted on by Dr Sally Norton

When there is so much information at our fingertips, often with contradictory messages, it can be difficult to know what to believe.

On the one hand, large vaping companies are seeing their products banned and lawsuits filed against them for encouraging an unhealthy practice. But on the other hand, the NHS is supporting vaping, and vape shops across the UK.

But context is key.

Neither smoking or vaping is safe

We should all know the damage smoking inflicts on our lungs, our heart, our circulation and more. We know it’s addictive, we know it increases cancer risk and leads to chronic breathing problems. It is a major drain on our health service too – which is why there are free ‘stop-smoking’ support services available to anyone.

 

The NHS supports the use of vaping to stop smoking.

In comparison to smoking, vaping is safer and the NHS supports the use of vaping to help people transition away from smoking cigarettes. However, the aim is ultimately stop smoking and vaping altogether. Research shows vaping can be an effective tool to get there – around twice as many people stop smoking by switching to vaping first, compared to using nicotine patches or gum.

 

Knowing the risks of vaping

But that is very different from saying that vaping is safe and that it is fine for non-smokers to start vaping. Studies have shown several problems that can arise from vaping – in whatever form. The risks of vaping include:

1. Nicotine exposure

Vaping can allow you to take in higher doses of nicotine, which is highly addictive – it’s just as easy to ramp up as it is to dial down. Research shows that younger, teenage brains may be more sensitive to the effects of nicotine.

2. Other ingredients can carry risk too

Vaping also carries a risk due to the other components in vape pens and liquids, which can include propylene glycol, glycerol, acrolein, acetaldehyde, acetamide, formaldehyde, metal and silicate particles and more. We don’t yet know the long-term effects of some of these chemicals used to flavour or preserve the fluid, and not all vapes and associated products that you can buy online or in shops have been safety checked. But new research has shown that vaping can cause similar DNA changes to cigarette use, with alterations in gene expression, epigenetic changes and other biological changes that could foster disease.

3. Vape devices can be dangerous

Some disposable vape devices on sale are illegal and do not meet UK quality and safety regulations. Burn injuries have occurred as a result of batteries that may be of inferior quality and prone to causing explosions in vaping devices[1].

4. Vaping may encourage new users

The perception that vaping is safe, along with aggressive marketing, numerous flavour varieties, lower cost compared to cigarettes, and greater social acceptability is encouraging new users, especially amongst younger people. Even cigarette smokers, who are using vaping as a way of stopping, often end up continuing the vape habit instead.

All of the above mean it’s illegal to sell nicotine vaping products to anyone under 18. Plus, it is illegal for adults to buy them on their behalf.

So, by all means use vaping as a way of cutting your nicotine addiction. It’s a great first step. But aim to stop the smoking habit completely.

And, please don’t be persuaded to start vaping as a non-smoker, in the belief that it’s safe. It’s not! Your lungs were designed to function on fresh air alone. And they will thank you if you can keep it that way!

If you need more help to stop smoking check out the free NHS stop-smoking support services.

 

Marques P, Piqueras L, Sanz MJ. An updated overview of e-cigarette impact on human health. Respir Res. 2021 May
https://nap.nationalacademies.org/resource/24952/012318ecigaretteConclusionsbyEvidence.pdf
Stella Tommasi, PhD, Hannah Blumenfeld, BS, Ahmad Besaratinia, MPH, PhD, Vaping Dose, Device Type, and E-Liquid Flavor are Determinants of DNA Damage in Electronic Cigarette Users, Nicotine & Tobacco Research, 2023
[1] How likely is your e-cigarette to explode? – BBC News

Christmas Opening Hours

Christmas Opening Hours

Date Claims Team Sales & Customer
Service Team
Mon 23rd Dec 9am – 5:30pm 9am - 7pm
Christmas Eve 9am – 12:45pm 9am - 4pm
Christmas Day CLOSED CLOSED
Boxing Day CLOSED CLOSED
Fri 27th Dec 9am – 5:30pm 9am – 7pm
Sat 28th Dec 9am – 5:30pm 9am – 6pm
Sun 29th Dec 9am – 5:30pm 9am – 4pm
Mon 30th Dec 9am – 5:30pm 9am – 7pm
New Year’s Eve 9am – 12:45pm 9am – 4pm
New Year’s Day CLOSED CLOSED
2nd – 3rd Jan 9am – 5:30pm 9am - 7pm

  1. Date

  2. 23rd Dec
  3. Christmas Eve
  4. Christmas Day
  5. Boxing Day
  6. 27th Dec
  7. 28th Dec
  8. 29th Dec
  9. 30th Dec
  10. New Year’s Eve
  11. New Year’s Day
  12. 2nd – 3rd Jan

  1. Claims Team

  2. 9am – 5:30pm
  3. 9am – 12:45pm
  4. CLOSED
  5. CLOSED
  6. 9am – 5:30pm
  7. 9am – 5:30pm
  8. 9am – 5:30pm
  9. 9am – 5:30pm
  10. 9am – 12:45pm
  11. CLOSED
  12. 9am – 5:30pm
  1. Sales & Customer
    Service Team
  2. 9am - 7pm
  3. 9am - 4pm
  4. CLOSED
  5. CLOSED
  6. 9am - 7pm
  7. 9am - 6pm
  8. 9am - 4pm
  9. 9am - 7pm
  10. 9am - 4pm
  11. CLOSED
  12. 9am - 7pm

Which customer portal would you like access to

As you may have seen in the press Debenhams brand was recently acquired by another retailer. You can find out morehere

Or