Importance of car insurance
A good car insurance policy isn’t just about protecting your car against theft and damage: it will help provide coverage for a wide range of events and is essential for any driver.
Here are some of the often overlooked benefits that highlight the importance of a quality car insurance policy.
Personal accident cover
Nobody likes to consider the possibility that they might one day be involved in a car accident, but knowing they are covered in the invent of personal accident or injury will offer peace of mind.
Not every insurer will cover a driver in the event of a traffic accident which results in injury, but the more comprehensive polices will usually include personal accident cover. When you are purchasing or renewing a policy, make sure you are covered.
With so many people being dependent on a vehicle to get to work and for family use, you really can’t afford to be without the use of car. The best insurance policies will provide a courtesy car to keep you on the road until your vehicle can be repaired or replaced. Make sure your provider has this cover for you.
Getting into an accident overseas can pose all sorts of challenges, but with insurance coverage for European holidays, you can go about your holiday worry free; if the worst should happen, your insurance company will help provide the vital support you will need in the event of an accident.
A good car insurance policy doesn’t just protect you in the invent of your car being damaged or stolen: it will cover the costs of personal belongings should they get stolen or damaged and will also provide coverage in the event of a fire. However, there are some items that might not be included in the policy; this includes money, documents and tickets.
Many people consider insurance an unnecessary expense, but it’s an important investment for any motorist who doesn’t want to be faced with unexpected bills, and who wants the peace of mind to know they are covered should something go wrong and remember it is also a legal requirement!
If you would like any further help or advic, please call us on 01423 504 689 or click here
Winter can provide treacherous driving conditions for motorist; whether its falling snow or icy roads extra care and preparation are crucial to staying safe.
The below tips should provide a brief but comprehensive guide to help limit the risks and ensure your journeys suffer minimum disruption
With the fog a major cause of road traffic accidents, please have a read of these handy tips to help you stay safe.
1. Know which lights to use
Always use the dipped headlights in misty and foggy conditions.
Some cars have an automatic setting for the dipped headlights, but don’t just rely on this when turning the engine on as it may not illuminate the rear lights, which are equally as important.
Only use your fog lights if visibility is less than 100 metres, but don’t forget to turn them off when visibility improves.
And refrain from using the full beam setting for your headlights as this will only obscure your visibility when it’s foggy.
2. Ensure your windscreen is clean
The conditions that cause fog also make your windows mist up, and the dirtier the windows are the more susceptible they are to clouding up quickly. So it’s important to keep your windscreen as clean as possible to prevent this from happening.
You should also give your wing mirrors a clean before you set off to prevent them from misting up too – improving visibility all around you is paramount in foggy conditions.
3. Check your screen wash
Fog can create sprays of rain on your windscreen, so make sure you use your wipers on the intermittent setting to retain a good level of visibility.
Ensure your windscreen-washer fluid is topped up to rinse off any debris that flicks up off the road or other vehicles.
If you’re driving in freezing fog, do not use your windscreen washer unless you have non-freezing washer fluid – the screen will be covered in ice if not.
4. Drive at a consistent speed
Maintaining a steady and consistent pace will ensure you can slow down or brake early enough to avoid hazards ahead of you as well as behind.
If a vehicle behind you is following closer than you find comfortable, make sure you are going slowly enough that you are able to reduce your speed or stop without it being sudden. This will allow the car behind to not run into you.
Fog can come in patches and with different levels of density, so only increase your speed when you’re confident the fog has cleared completely.
5. Be extra vigilant for pedestrians and cyclists
Pedestrians and cyclists are extremely difficult to see in fog, so take extra caution to ensure you can cope with them.
Keep your eyes peeled and make sure you drive at a reduced speed in built-up areas, giving yourself enough time to spot them.
6. Be patient in a queue
Fog can be dispersed by traffic, so when following a string of cars don’t be tempted to rush to the front – the car at the head of the queue may have a thicker wall of fog to contend with than the cars following further back.
7. Stay visible at all times
If you have to stop, whether you’re waiting for help while you’re on the hard-shoulder or on a side-road, make sure you and your car are visible to other road users at all times.
Have the car’s lights on, use the hazard warning flashers, and wear a high visibility jacket to help other vehicles passing by identify you.
With Winter upon us our Managing Director Neil talks to Harrogate’s Stray FM about getting your car ready for the season.
Hear Neil from 11 minutes, http://www.strayextra.com/podcasts/cml/8/33.mp3
Great winter driving tips to help keep you safe on the road should the white stuff arrive this season.