Motoring tips

crushed car

The cost of car insurance for drivers, and under-25s in particular, can make a big dent in your bank balance if you don’t shop around. Insurance companies, aggregator websites and brokers can all help you save money on your insurance premium. To help you meet your obligations, we’ve included tips to help you reduce your costs and how to stay safe on the road .

Here is some advice on what to do when things go wrong.

If you are involved in an accident

This is what to do if you are involved in an accident... More

    • Stop and move to safety by the side of the road
    • Check everyone for injuries – call for an ambulance if needed. Report the accident to the police if there is any debris in the road or if anyone is injured
    • Exchange details – the important one is car registrations of all vehicles involved. Also note full names, phone numbers, addresses and the time/date of the accident
    • If possible, obtain details of the insurer of other drivers involved. You can also check whether the other vehicle is insured, for a nominal charge, by doing a one-off askMID search
    • For peace of mind – (politely) ask for proof of identity, so you know the information is not false
    • Useful information - colour, make and model of the vehicles involved. Ask witnesses and police officers present for their details
    • Use a camera to record damage at the scene
    • Tell your insurance provider – if you don’t then your policy could be invalid. Even if you don’t want to make a claim on your insurance, you still need to notify your provider
  • For accidents with uninsured drivers:

    • Collect the same information
    • Claims for accidents involving uninsured drivers are usually handled through the Motor Insurers’ Bureau
  • If the other driver leaves the scene of the accident:

    • Stop and report it immediately to the police
    • Anyone who leaves the scene of accident without exchanging details is committing an offence and will be prosecuted
    • Collect as much information from the scene and witnesses as you can
    • Claims for accidents involving untraced drivers are usually handled through the Motor Insurers’ Bureau
  • If you or the other driver gives false information:

    • Falsifying injuries or giving misleading information about yourself or your vehicle is a criminal offence

If your car has been vandalized or broken into:

Inform your insurer. If you have comprehensive cover, and the damage has not been caused by another vehicle, you generally pay only the policy excess. It is the policyholder’s responsibility to report the incident to the police, who will then assign it a crime reference number

Take precautions: The main way in which you can fight car crime and vandalism is to play it safe ... More

  • Never leave anything on display that might tempt a thief
  • Use a steering lock every time you leave your car. Also remember to properly lock your windows, roof, boot and bonnet
  • Fit a car alarm
  • A professionally-fitted engine immobiliser prevents your car starting and is widely regarded as the best way to stop thieves
  • Locking wheel nuts are cheap, easy to fit, and stop thieves stealing your wheels. They require a dedicated adapter to remove them and are therefore highly effective
  • Have your car registration number etched onto the windscreen, all windows and the headlamps
  • Mark all your car equipment, such as your car stereo and electronics, with your car registration number
  • Always use and lock your garage at home and when out and about try to park in a well-lit, open place