Home Authors Danny Butler
Danny Butler

Danny Butler

Publisher

Danny is a publisher at Finder specialising in car, life, home, business and pet insurance. 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

Highlights

  • 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

417 articles written by this author

How to get free stocks and shares in the UK

Find out which platforms are offering free stocks and shares for new customers in the UK.

Danny Butler 19 May 2022
How to get free stocks and shares in the UK

Map: The cost of petrol around the world

Use our interactive map to find out the cost of a petrol in 171 countries. Find out where the UK ranks for most expensive countries to fill up your car.

Danny Butler 8 April 2022
Map: The cost of petrol around the world

Compare mobile phone insurance

Get a quote in seconds and save on your phone cover.

Danny Butler 6 April 2022
Compare mobile phone insurance

Trading fees statistics

Find out the latest trading fees for the leading trading platforms in the UK and which platforms charge the most for flat and forex fees

Danny Butler 5 April 2022
Trading fees statistics

Companies that are as big as countries: Live Market Cap Map

We've compared the market cap of the world's biggest companies against GDPs of countries in this live and interactive map.

Matt McKenna & Danny Butler 8 March 2022
Companies that are as big as countries: Live Market Cap Map

ESG (environmental, social and governance) investing statistics

We have the latest statistics on ESG (environmental, social and governance) investing in the UK. Find out how ethical UK investors' portfolios are.

Danny Butler 28 February 2022
ESG (environmental, social and governance) investing statistics

Browse pension providers UK – A to Z listing

Browse our A-Z list of pension providers in the UK.

Danny Butler 7 February 2022
Browse pension providers UK – A to Z listing

Car insurance for 20-year-olds

Find out the average cost of car insurance for a 20 year old and how to save on your premiums.

Danny Butler 19 January 2022
Car insurance for 20-year-olds

What is day trading?

We examine the pros and cons, and who day trading is (and often isn't) right for.

Danny Butler 6 January 2022
What is day trading?

How to buy Olaplex Holdings (OLPX) shares in the UK

Ever wondered how to buy shares in Olaplex Holdings? We explain how and compare a range of providers that can give you access to many brands, including Olaplex Holdings.

Danny Butler 5 October 2021
How to buy Olaplex Holdings (OLPX) shares in the UK
Go to site