Adequate car insurance gives you peace of mind – it means that if the worst happens your liabilities are covered. But the chances of avoiding a claim on your insurance – and thereby preserving your no claim discount – can be greatly increased by taking a few simple measures that help to protect both you and your car.
Be a safe driver
Watching your speed and adjusting your driving to the weather and road conditions, will help to make your journey a safe one.
Always stay within the speed limit – it’s a legal requirement, and for a good reason: speeding is responsible for 13% of all road accidents where somebody is hurt.
When it comes to alcohol, the easiest way to make sure you stay within the legal limit is to avoid it altogether, if you’re going to be driving. Also be very wary of driving the morning after a night out – allow enough time for all the alcohol to work its way out of your system before taking the wheel.
If you’re a new driver, you can help cut the risk of being involved in an accident by taking further instruction. Consider completing a course like ‘Pass Plus’ – it might also help lower your car insurance premium.
Be security conscious
Protect your car from theft and damage by parking it in a busy, well lit area. Don’t leave anything valuable on display – most thieves are opportunists.
Always remove ignition keys when you step out of your vehicle and never leave it unlocked, even if you’re leaving it unattended for only a short while.
Consider fitting anti-theft equipment and maybe even a tracking device in case the worst happens and your vehicle is stolen.
Increasing your car security will help deter thieves and, again, could lower the cost of your car insurance at the same time.
Look after your car
Don’t wait until your car’s next MOT to fix faults. Defects can cause accidents and, ultimately, risk lives.
Keep tyres properly inflated and check the tread regularly for wear. Monitor oil, coolant and other fluid levels, replenishing when necessary.
A dirty windscreen restricts your vision, particularly at night when car headlights can dazzle. Don’t let windscreen wash run dry, and always make sure you clean the inside of the windscreen as well as the outside. Wiper blades should be replaced as soon as they show signs of wear.
A well-serviced and maintained car should be safer and should last you longer, saving you money in the long run.
Get covered
A great way to protect your car is to make sure your insurance provides adequate cover. Not all car insurance policies are equal, so always read the small print to ensure that you have the best cover for your needs.
No comments:
Post a Comment