Winter can be a dangerous time of year for driving. Often there is a significant spike in the number of insurance claims being made, for weather damage and theft as well as accidents.
There are several ways of reducing the likelihood of your having to claim on your car insurance this winter.
- Drive Safely – Ice on the roads will reduce traction and snowfall can impair visibility. Reducing your speed, allowing more space between cars and braking gently will keep you safe and reduce the risk of accidents whilst driving in adverse conditions.
- Get Your Car Checked – It’s important to do this before the weather turns and the nights start drawing in. Your lights, brakes and engine need to be in tip-top condition to ensure that they won’t let you down when you need them the most.
- Take Tips From Professionals – The AA gives great advice about what to remember when driving in cold conditions, as well as short guides on what to do if you find yourself in a dangerous situation, such as when skidding, and how to prepare your car and yourself before travelling.
Assessing Your Insurance Needs
By thinking carefully about what kinds of situations you may be confronted with over winter, you will be able to more adequately assess what kind of insurance protection you will need. All winter insurance should cover you for the basics – damage, theft and third party, however depending on your circumstances you may have to consider additional factors. For example, if you have relatives staying during the festive season, you may want your insurance to cover additional drivers. Assessing your needs before winter will ensure that you’ll be covered for any type of situation, before it arises.
Finding the Right Provider
The right insurance provider will be able to give you all the advice you’ll need before you decide to buy and will assist you in the process of adequately assessing your needs. If you’re looking to buy car insurance in Northern Ireland there are several online providers, such as www.axani.co.uk, who are available to offer advice on how best to insure your car for the coming winter months.