COMMON CAR INSURANCE CLAIMS YOU CAN AVOID

As a new driver, there are 3 common car insurance claims that can be avoided. A few hazards you need to be aware of that can endanger your insurance premium. Here, Wasim Bux from insurance provider iGO4 takes a closer look at how you can avoid making these claims.

Unfortunately, young drivers are more likely to crash their cars: one in four motorists aged 18–24 are involved in an accident at one time or another (the AA). This is also the reason why it’s more expensive for young people to get insured than older, more experienced drivers.

So, once you’ve bought your car and taken out insurance, read our other post on car insurance fronting to make sure you are legally insuring your car,  it’s important that you do your best to stay safe and try to avoid any claims, or you’ll risk driving your premium up. To help you out, I’ve listed three of the most common car insurance claims. We tell how you should go about avoiding them. Stay ahead of the game and keep your hard-earned money where it belongs – in your pocket.

Don’t fall victim to the pitfalls that lead to these common car insurance claims. Take control of your driving experience and minimize the risk by following our expert tips and advice. With our guidance, you can navigate the roads confidently, keeping your insurance claims at bay. So, buckle up and let us empower you to stay safe and enjoy a worry-free journey.

3 Common car insurance claims

Rear-end crashes

To reduce the chances of dents and damages from rear-end crashes, it is essential to exercise heightened caution when driving near other vehicles. When navigating closely to other cars, whether in the midst of a traffic jam or approaching a junction, it is crucial to remain vigilant and closely monitor the actions and signals of those around you. This attentiveness can significantly minimize the risk of colliding with another vehicle. When driving at speed, aim to maintain at least a two-second gap between yourself and the vehicle in front, or extend this to four seconds during wet weather; this practice aligns with Highway Code rules and provides you with ample time to react and stop as necessary.

Additionally, to further mitigate the risk of being rear-ended, ensure that your brake lights are functioning properly on a regular basis, as this allows other drivers to anticipate your movements, particularly when you are slowing down or coming to a stop. Moreover, it is important to keep an eye on your mirrors and remain alert to the behavior of nearby drivers, as their unpredictability may require you to adjust your position and distance for safety.

Parking scrapes and collisions

As a new driver, you have undoubtedly sharpened your parking skills through dedicated practice, yet a genuine challenge arises from navigating around inconsiderate parkers who may employ careless techniques, placing your vehicle at risk. To significantly reduce the chances of encountering a parking mishap, it is crucial to maintain a generous distance between your car and the white lines, providing ample space for both your vehicle and others.

Furthermore, if you find yourself faced with a parking space that seems excessively tight or uncomfortable, feel free to seek out alternative options, even if they are a bit farther away. By adopting these essential precautions, you can effectively avert the frustration and financial burdens that often accompany frequent car insurance claims. Drive with caution and park confidently, knowing you possess the skills to handle any parking challenge that comes your way.

Windscreen damage

Windscreen damage can be a frustrating and costly issue, as chips and cracks are among the most prevalent reasons for insurance claims, making it essential to be proactive in prevention. While it’s impossible to completely avoid such damage, there are effective strategies to significantly reduce the likelihood of occurrence. One key approach is to maintain a safe following distance from other vehicles, which minimizes the risk of small debris being propelled towards your windshield.

This practice becomes even more crucial when you are near trucks or vehicles carrying loose materials, as well as when navigating rough terrains or dusty streets. Additionally, being mindful of your speed can play a vital role in mitigating the force of any airborne objects, ultimately preserving the integrity of your windscreen and enhancing your driving experience. Don’t fall foul of these common car insurance claims and keep your insurance premium costs at a minimum price.

Take my helpful tips on board when you’re driving. This should help you avoid these common insurance claims and keep your premiums as low as possible.