How to Reduce Claims on Your Car Insurance

Why would you want to reduce claims on your Car Insurance? After all, you pay every single month, surely you should be entitled to claim when necessary? The point we are trying to make is not that you should not claim when your car is stolen for example—that would be ludicrous. There are however, valid reasons why you should try to reduce claims as far as possible.

Before we look at the ways in which you can reduce claims on your car insurance we will look at the reasons and hopefully convince you that the best policy is to try and prevent claims on your car insurance as far as possible.


1. As soon as you make a claim you loose points on your no-claim bonus and that can amount to a substantial amount after the specified no-claims period has been reached.

2. Claims increase insurance premiums, not just yours, but everybody’s.

3. Insurance fraud is costing the insurance industry millions and the result is an increase in insurance premiums.

4. It should be obvious, but avoiding insurance claims could save your life. Driving safely, not speeding, not drinking and driving, not driving at night and all the other wonderful things you know you shouldn’t do may save your life as well as the lives of others.


Convinced yet? Good, so let us look at how you can actually reduce claims.

1. Keep your car in tip-top condition to prevent mechanical breakdown and accidents caused by driving an unroadworthy car.

2. Driving with worn tyres is dangerous and can cause accidents and even your death. The insurance company will also refuse to pay out on a claim if they found that your car’s tyres were worn.

3. If you have a garage, keep your car locked up at night, it’s much saver. Remember that if you have stipulated on your policy document that your car is kept in a locked garage and it is not, the insurance company may, and probably will, refuse to pay your claim should your car be stolen or damaged. (if it was not kept in the garage overnight.)

4. Don’t allow others to drive your car. They may think you’re nasty but the repercussions, if they are involved in an accident and were not nominated as drivers on your policy, could be dire.

5. Don’t drink and drive, need we say more?

6. Don’t dial and drive, need we say more?

7. Always drive safely, and remember to look out for the person not doing so, drive defensively.

8. Don’t drive unnecessarily. Not only will you save petrol but reduce your risk.

9. Safety or anti-theft devices can prevent your car from being stolen or hijacked, thus preventing insurance claims and possibly saving your life. Consider car alarms, Immobilizers (make sure it’s approved by your insurer), steering wheel locks and tracking devices such as Tracker. Keep these devices in working order at all times.

10. Avoid as far as possible driving alone at night or early morning, especially if you are a women.

11. Be alert, look out for hijacking attempts, don’t talk to hawkers—your attention is now on them and you become a target for hijackers.

12. To prevent smash and grab incidents: drive in the middle lane as far as possible, you can also have a smash and grab film attached to your windows to prevent smashing.

13. Park in safe areas, as far as possible, away from obstacles that obscure a clear view around your car.

14. Always keep your car doors locked.

15. Why tempt thieves? Don’t leave your laptop, handbag, purse, phone, or any valuables visible while you drive, or when your car is parked.

16. Avoid any distractions, be it music that is too loud, fighting or getting involved in a serious discussion with a passenger, children distracting your attention, or taking cell phone calls.

17. Drowsiness and tiredness is the cause of 20% of road accidents. Don’t become part of the statistics.

Being alert when you drive, commonsense and honesty can save you money and your life.