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Posts Tagged ‘Winter’

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Look after your Car and the Insurance looks after itself

Sunday, February 5th, 2012

February is starting to feel noticeably wintery with sub-zero overnight temperatures and widespread snowfall throughout the UK which finally hit this weekend.

We all need to take a few extra safety measures when preparing for a journey in the cold climates and ensure we remain safe the way that we drive.

Powerseeker are not just here to help drivers get cheap car insurance quotes as we want them to drive safely too, so we have put together a list of handy tips to keep you protected in the cold weather.

Here are the areas you need to consider to stat safe when driving this winter:
1. It’s advisable at the beginning of winter to give your car a seasonal check. This includes checking the following are working – lights, tyres, windscreen wipers and the fluids are topped up.
2. Make sure you have plenty of de-icer. There was a shortage last year due to the amount of cold weather.
3. Think about if you require any additional equipment for your car; such as a warning triangle, first aid kit, torch; blanket, a warm coat, a pair of winter boots and a tow rope could all be useful in the event of an emergency.
4. It is best to check the weather forecast using a local radio stations / website to ensure the roads are going to remain safe for the duration of your journey.
5. Make sure you have enough fuel in the tank
6. Make sure you drive with care. Watch your speed, keep your distance from the car in front and avoid any sudden braking.
7. If the conditions are foggy then switch your fog lights on, slow down and leave plenty of space between you are the car in front.
8. If you do get stuck in snow then call for breakdown or emergency services if required but be sure to stay with your car; and turn the engine off.
9. Don’t forget the sunshine in the winter can be hazardous so keep your windscreens and windows clear and be sure to slow down.

10. If you have one; keep your mobile charged just in case you need it.

If you are unfortunate enough to have an accident, contact the emergency services immediately if required and stay with your car.

Be sure to contact your car insurance company in the event of any accident and follow the advice they give.

If you do need to make a claim this may affect your insurance premium so we recommend that drivers with any sort of claims history to compare car insurance quotes using a site like Powerseeeker.co.uk

Insurance warning about leaving your engine running

Wednesday, January 18th, 2012

It’s that time of year again where the cold snap encourages people to leave their vehicles un-attended whilst it defrosts and warms up ready for our on-ward journey.

According to previous surveys at least 47% of us in the UK are guilty of this. It’s important to make you aware at this stage that your Insurance Company may refuse to payout if your vehicle is stolen as a result of this negligence.

Be warned as opportunist thieves are on the lookout for an easy target.  Around 2000 car thefts occur each year because motorists leave their vehicles to warm up during winter mornings. This equates to vehicle thieves getting away with around £12.7m worth of vehicles every year.

Claims director at swiftcover.com, Robin Reames said, “Leaving a car with keys in the ignition provides a perfect opportunity for thieves, and we as motorists are especially likely to do this at this time of year.

“People have an ‘it won’t happen to me’ attitude. However in reality, it can and does happen anywhere in the UK.”

For some, this is not just an occurrence during winter months as many motorists will leave their engine running whilst they just pop in the house to get something they forgot; or just pop in the local newsagent to pick up a paper

It doesn’t matter what reason the vehicle has been left; many insurance companies will in these circumstances nullify an insurance claim where a vehicle has been stolen with its keys left inside.

At present, it is a criminal offence to leave your car engine running when you are not in the vehicle. The offence is called ‘quitting’; t comes from the Road Traffic Act 1986.

The Road Vehicles (Constriction and Use) Regulation 1986 (SI 1986/1078) deals with the actual offence of “quitting”. It states “… that no person shall cause or permit to be on any road any motor vehicle which is not attended by a person duly licensed to drive it unless the engine is stopped and the parking brake is effectively set. Exemptions to the requirements of this Regulation as to the stopping of the engine include a fire brigade vehicle.”