Avoiding Car Insurance Claims

compare car insurance quote button

Avoiding insurance claims a Proactively protecting your car

Aside from home ownership your car is likely to be one of the most expensive items that you own, and so protecting your car should be a high priority.  Many people choose to opt for an insurance package from a provider like Santander that goes beyond the legal minimum of third party, fire and theft to provide comprehensive cover for their vehicle.  However, while insurance can provide the funds to make good damage after the event, there are plenty of inexpensive measures that you can take to proactively protect your vehicle.

The first is basic but important, and should be part of your regular maintenance schedule.  In fact perhaps the starting point should be establishing a regular maintenance schedule if you donâ€t already have one.  Modern cars can run for thousands of miles without needing any attention, but will avoid damage (and the possible need to claim on insurance) for a lot longer if you keep on top of the basics, the first of which should probably be a regular check of your tyres.

You should ensure that your tyres are all inflated to the pressure recommended by the manufacturer, and that each tyre has at least 3mm tread.  Although the legal minimum tread in the U.K. and E.U. is 1.6mm, the independent vehicle testing company MIRA has produced comprehensive research that shows an extensive loss of grip in tyres with a tread below 3mm when travelling on anything but completely dry roads.  Not only is grip reduced, but the risk of aquaplaning on wet roads increases, as in heavy rain each tyre has to displace around a gallon of water per second to maintain contact with the road surface. 

Given average British weather and rainfall, the risk of accident is therefore greatly increased for those travelling with low tread tyres, not only posing potential damage to your car and a need to claim on insurance, but threatening your personal safety as well.  Tyre pressure is important for efficiency, as deflated tyres require more energy and therefore fuel to maintain velocity.  Crucially, tyres at low pressure will in effect have less tread.

Sticking with the theme of wet weather, which as we all know is a regular event pretty much all year round in the U.K, you should replace worn wiper blades when you start to notice a drop off in performance.  This is an inexpensive measure that can make all the difference to safety, especially during the winter months.  With the sun low in the sky, smeared wiper trails can significantly reduce visibility, particularly after roads have been gritted and there is a lot of muck ending up on your windscreen.

Most people remember to top up the antifreeze in winter, but should also make sure that a suitable windscreen wash is mixed up and added to your screen wash reservoir, again to allow you to maintain visibility on wet and mucky roads when the temperature approaches freezing.