Home Authors Danny Butler
Danny Butler

Danny Butler

Publisher

Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance.

Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC.

Expertise

  • Car, home and business insurance
  • Helping people save money on their insurance
  • Project management
  • Giving valuable insights to website visitors

Experience

  • Author of over 500 insurance articles
  • Featured on leading trade magazines and national press, including Insurance Business Mag, Insurance Edge, The Independent and more
  • On the judging panel for Finder’s Insurance Innovation Awards 2021
  • Helped to drive multiple digital transformation projects at global insurer Aon
  • Earned Prince2 Agile project management qualifications in 2019
  • Completed CIM diploma in Professional Marketing in 2016

Education

  • Bachelor of Arts, International Business | University of Plymouth (HVA Amsterdam) | 2010 - 2014

Featured publications

Industry insights from Danny Butler

We asked Danny for his insider tips on car insurance savings and trends.

How can consumers save big on car insurance?

As a starting point, I'd be looking for a vehicle in a low insurance group in a popular colour with no modifications. For additional savings, I'd look at increasing the excess slightly (if this is an option for you) to lessen the risk for the insurance company and decrease your premiums. Lastly, make sure that you shop around and compare several quotes from a range of different providers and look at different policy dates. The price changes are often substantial and a slight change in policy date could make a big difference to your bottom line.

How has the pandemic affected how people use car insurance?

Throughout the course of the pandemic, it’s safe to say that the car insurance industry has had to make adjustments to adapt to the changing wants and needs of the consumer. With a large proportion of the adult population working from home and restricted to essential travel only, car usage is predictably down on previous years. Car usage in the UK declined over the past decade before plummeting in 2020 - lockdown just accelerated the trend. With this reduction in car usage, you’d expect the costs of car insurance to decline in tandem – but sadly, this has not universally been the case. With the recent pandemic shining a spotlight on this issue, the FCA intervened on several occasions throughout the course of 2020, requiring insurers to reassess their customers' latest risk profile and offer them a more suitable product based on their usage. There were also calls for insurers to do more in terms of refunding customers for “unused” portions of their policy. The traditional model of car insurance relies on a customer estimating an annual mileage and stating their class of use as a key component in returning a quote. If the driver’s annual mileage drops by 5,000 over the course of the year or they no longer have to travel to work, then this is an obvious flaw when it comes to the pricing model. As a result more and more consumers have opted for “pay as you go” or usage-based insurance which is exactly what is says on the tin. Customers prefer the no-nonsense, transparent approach to pricing and it has been insurtechs that offer this pricing model that have had the upper hand throughout the pandemic. Whether these companies will be here to stay, only time will tell.

Where do you see car insurance heading in the next 10 years?

Car insurance is likely to undergo big changes over the next 10 years. The pandemic has highlighted a flaw in the traditional pricing model, which has seen a surge in usage-based insurance companies that address that flaw. With traditional insurers having to innovate more than ever to appease the growing demands of the consumer, we can expect an extremely competitive playing field where the consumer will hopefully finally win. This surge in innovation, coupled with the rise of the electric vehicle market and other sustainable vehicles, will make for a very exciting decade to come.

Featured videos

Latest articles by Danny Butler

370 articles written by this author

Online trading statistics 2024: Market size, usage and revenue

We look at the latest online trading statistics, including market revenue and the number of users for popular apps.

Danny Butler 13 February 2024
Online trading statistics 2024: Market size, usage and revenue

How to buy Shein shares when it goes public

Everything we know about the Shein IPO, plus information on how to buy shares.

Danny Butler 4 December 2023
How to buy Shein shares when it goes public

The biggest bull markets in history: Comparison chart

We looked at the history of the S&P 500 to find the 5 biggest bull markets and how they compare to each other.

Danny Butler 11 October 2023
The biggest bull markets in history: Comparison chart

Fraud and cybercrime statistics UK

We look at the latest statistics on fraud and cybercrime in the UK, including losses and number of offences.

Danny Butler 29 September 2023
Fraud and cybercrime statistics UK

Tesla statistics 2023: Sales, production and revenue

We’ve put together the ultimate list of Tesla statistics, including volume of sales, production and revenue in 2023.

Danny Butler 30 August 2023
Tesla statistics 2023: Sales, production and revenue

Pension statistics: What is the average pension pot in the UK?

We look at the average pension pot in the UK and other pension statistics.

Danny Butler 21 August 2023
Pension statistics: What is the average pension pot in the UK?

Electric car statistics: Market share and sales

We look at the latest statistics for the electric vehicle industry, including current and forecast sales, market share and the number of charging stations.

Danny Butler 7 July 2023
Electric car statistics: Market share and sales

Artificial intelligence (AI) statistics and trends UK

We take a look at the latest AI industry statistics, including the current market size, projected growth and how many people are currently using AI.

Danny Butler 6 July 2023
Artificial intelligence (AI) statistics and trends UK

Dow Jones vs NYSE

Find out the key differences between the Dow Jones and the NYSE, plus some key points to consider before investing.

Danny Butler 3 April 2023
Dow Jones vs NYSE

What percentage of women invest in 2024?

Find out how many women in the UK invest and how many manage investment funds in our new guide on women in investing.

Danny Butler 28 March 2023
What percentage of women invest in 2024?
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