Allianz Blog Car Insurance

How to Prevent Road Accidents This Winter

There are many things that you do to prepare for winter; ensuring that the central heating is working, topping up your home heating oil perhaps, or merely making sure you have a good supply of movies to watch while you curl up on the sofa. But, as winter approaches, it is just as vital to ensure that you have made the correct preparations for your car to reduce the risk of it letting you down. Here are some of our top tips.

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Make Sure ALL Lights Are Working

With fewer hours of daylight in winter, it’s more likely that you will be doing at least some of your driving in darkness. Combined with poorer weather conditions, th...

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Top Causes of Motor Insurance Claims

Here at Allianz, our Motor Claims teams handle lots of car insurance claims every day. From little tips, bigger bumps, fire and theft; our team is busy trying to resolve claims as quickly and fairly as we can.

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Third Party Claims

44% of the motor claims we dealt with last year involved a third party. These claims come in all shapes and size from fender benders to sadly much more serious accidents. 

It is estimated that 90% of all road traffic accidents are caused by human error. So, by being a diligent and conscious driver we can reduce the number of third party claims. Being aware of what distracts you while driving is a...

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Vehicle Maintenance

It is important to give your vehicle regular TLC and maintenance checks to ensure road worthiness and safety whilst driving.

There are several benefits of keeping your vehicle well maintained;

  • Reduces risk of breakdowns and vehicle deterioration.
  • Increases Driver and Passenger safety.
  • Reduces the chances of penalty points due to vehicle roadworthiness.
  • Can improve the resale value.
  • And most importantly it ensures that your vehicle meets the minimum standards.

We have put together a list of six basic vehicle checks that you can do to keep your car healthy and running smoothly.

Tyres

Car tyre maintenance is one of the most impor...

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Windscreen Cover – What You Need to Know

Thankfully major car accidents are rare and because of this the number of claims from them is relatively low. Many drivers however will have to make a smaller claim at some stage as a result of a minor accident and one of the most common reasons for this is damage to their windscreen.

Windscreen damage usually occurs in the form of a chip or crack. Chips or cracks are most frequently caused by objects, such as gravel or pebbles that are thrown up by the tyres of another car, striking the windscreen. Other reasons for windscreen damage include: debris falling off construction lorries, stress cracks due to poor manufactu...

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Staged Accidents – What You Need to Know

Unfortunately staged accidents do happen on Northern Irish roads. According to the Association of British Insurers, insurers uncovered 130,000 fraudulent claims worth £1.32 billion across all insurance products in 2015. This represents an increase of 6% from 2014.

The Belfast Telegraph reported (which was highlighted by the Association of British Insurers), a man was convicted of staging fake road accidents in his ice cream van. Had he been successful he would have pocketed around £100,000, the ABI said.

Part of the problem with staged accidents is that they’re difficult to prove and quite often it can be a case of the ...

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Driving Other Cars – What You Need to Know

Have you ever needed to use somebody else’s car only to realise that you’re not insured as a named driver on their policy? One of the most common questions we hear at Allianz in relation to car insurance is whether or not you’re covered to drive other people’s cars under your policy. We will be happy to reply that the answer is yes, so long as you’re over 25 and that you’ve chosen Driving Other Cars as an optional extra*.

This option will allow you to drive another private car with the owner’s permission provided the car:

Does not belong to you or your employerIs not hired or leased to either of the parties described ab...

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