Summer brings warm weather, road trips, and outdoor adventures, but it’s also a time when certain car insurance claims tend to increase. Knowing the most common claims during the summer months and how to prevent them can help you stay safe and potentially save on your car insurance premiums. Let’s explore the top car insurance claims in the summer and some practical tips to help you steer clear of trouble.
1. Accidents Caused by Distracted Driving
Summer is synonymous with long drives to holiday destinations, busier roads, and a higher chance of distractions. Drivers might be tempted to take in the scenery, glance at their phones for directions, or chat with passengers. Unfamiliar routes and heavy traffic during peak holiday times can further increase the risk of distraction-related accidents.
How to Avoid It:
- Stay Focused: Keep your eyes on the road and resist the urge to use your phone or other gadgets while driving.
- Plan Ahead: Set your navigation system before starting your journey, and take regular breaks to avoid fatigue.
- Manage Passengers: Ensure children and pets are safely secured and entertained to minimise distractions.
2. Tyre Blowouts
The heat from sun-soaked roads in summer can increase the risk of tyre blowouts, particularly if your tyres are worn out or not properly inflated. As temperatures rise, the air inside the tyres expands, which can worsen any pre-existing problems. Long journeys with heavy loads and high speeds can also put added stress on your tyres.
How to Avoid It:
- Regular Inspections: Check your tyres frequently for signs of wear and damage.
- Proper Inflation: Ensure your tyres are inflated to the recommended pressure levels specified by the manufacturer.
- Avoid Overloading: Do not overload your vehicle, as this puts extra pressure on your tyres and increases the risk of a blowout.
3. Windscreen Damage
Summer road trips often involve driving on motorways, where debris can easily be kicked up and damage your windscreen. Construction zones, loose gravel, and other vehicles can throw up rocks and other objects. Additionally, rapid temperature changes between the hot sun and cold air conditioning can weaken the glass, making it more susceptible to cracks.
How to Avoid It:
- Maintain a Safe Distance: Keep a safe distance from lorries and construction vehicles that may kick up debris.
- Use Protective Film: Consider applying a protective film to your windscreen to reduce the risk of cracks.
4. Overheating Engines
The hot summer weather can put additional strain on your car’s engine, particularly if the cooling system isn’t in good condition. Low coolant levels, leaks, or issues with the radiator can lead to overheating. Using air conditioning more frequently also increases the engine’s workload.
How to Avoid It:
- Check Coolant Levels: Regularly check your coolant levels and top up as needed.
- Professional Inspections: Have your cooling system inspected by a professional before the summer season begins.
- Park Smart: Whenever possible, park in the shade to help keep your car cooler.
5. Theft and Break-Ins
With more people on the move and cars left unattended in unfamiliar locations, the risk of car theft and break-ins rises during the summer. Thieves often target tourist hotspots, car parks, and service stations where vehicles are left unattended for extended periods. High-value items left visible inside the car can attract opportunistic criminals.
How to Avoid It:
- Secure Your Vehicle: Always lock your doors and close your windows when leaving your car.
- Conceal Valuables: Keep valuables out of sight, preferably in the boot or take them with you.
- Use Anti-Theft Devices: Consider installing an alarm system or using a steering wheel lock for added security.
By being aware of the common car insurance claims during the summer and taking preventative measures, you can enjoy a safer and more stress-free season. These precautions not only help protect you and your passengers but also reduce the likelihood of making costly insurance claims. Stay alert, keep your vehicle well-maintained, and drive responsibly to make the most of your summer travels.
Protect your Car and Loved Ones This Summer
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