What is the “National Highways Red X?”
In the UK, the “National Highways Red X” is a term used on smart motorways to indicate lane closure. Red Xs are displayed on overhead gantries and signal drivers that the lane is closed and should not be used. The red Xs are used to increase safety and manage traffic flow on the motorway.
You may have seen the motorway signs saying, “Search Online for National Highways Red X”.
Don’t search when driving!
Using a phone while driving is illegal because it is a distraction that can significantly increase the risk of accidents. When a driver uses their phone, they take their focus away from the road, and their attention is divided, making it difficult to react to changing traffic conditions or unexpected obstacles. In addition, holding and operating a phone requires manual dexterity, which further reduces the driver’s ability to control the vehicle. Using a phone while driving also increases reaction time and reduces overall situational awareness, decreasing safety for drivers and other road users. In many countries, it is against the law to hold and use a phone while driving or to use it without a hands-free device. These laws are designed to protect the safety of all road users.
What is a smart motorway?
A smart motorway is a type of managed motorway in which technology controls traffic flow and improves safety. Smart motorways use variable speed limits, lane management, and incident detection systems to help reduce congestion and improve journey times. Using overhead signs, including red Xs, to indicate closed lanes and variable speed limits helps to manage traffic flow and enhance safety, particularly during incidents or roadworks. They can also help reduce the frequency and duration of lane closures, improving journey reliability for drivers. Smart motorways are used in several countries worldwide, including the United Kingdom.
How many smart motorways are in the UK, and where are they?
As of 2025, there are 400 miles of smart motorways in the UK, spanning various regions including the M1, M3, M4, M5, M6, M25, and M62. These motorways are continuously monitored and updated to improve safety and traffic management.
2025 Regulatory Updates and FCA Guidelines
The Financial Conduct Authority (FCA) has introduced new guidelines in 2025 to enhance consumer protection within the insurance sector. These include stricter rules on transparency in pricing and clearer communication about policy terms. Insurers must now provide detailed explanations of how premiums are calculated, and there is a stronger emphasis on ensuring that customers receive fair value for their insurance products.
Current Market Conditions and Pricing Trends in 2025
In 2025, the insurance market continues to experience fluctuations influenced by economic recovery, technological advancements, and evolving consumer behaviors. Premiums for motor insurance have seen a slight increase due to rising vehicle repair costs and more frequent claims. However, competition among insurers has led to more personalized pricing models, offering potential savings for safe drivers and those who opt for telematics-based policies.
Seasonal Considerations for Summer 2025
Summer 2025 is expected to bring increased traffic volumes due to holiday travel, which may lead to higher insurance claims related to accidents. Insurers are advising drivers to review their policies before embarking on long journeys, particularly in smart motorway areas where lane closures are more frequent. Additionally, the risk of vehicle theft and damage increases during the warmer months, so comprehensive coverage is recommended.
Recent Technological Developments in Insurance
By 2025, the insurance industry has seen significant advancements in technology. The use of AI and machine learning for risk assessment and claims processing has become more widespread, leading to faster and more accurate services. Telematics and usage-based insurance continue to grow, allowing insurers to offer more tailored premiums based on individual driving behaviors. Blockchain technology is also being explored for enhancing transparency and security in policy management and claims handling.