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Direct Insurers often claim that going direct to an insurer and cutting out the “middleman” will save you money. A study conducted by the Moneybags organisation, specialist saving advisors, states that the average direct insurer charges 13% more on car insurance than traditional brokers.

Do you talk or text on your cellphone while driving? How about eating, fixing your tie, or putting on make-up. These are all activities that divert your attention from the road, and can be potentially deadly.