Experts share their top tips for keeping your car safe this summer, and highlight five common actions that will leave you without protection from your insurance company.
Matthew Stokes, specialist insurance manager at Motorcycle Insurance, said: “”During the scorching summer heat, it is important to remember that driving carefully is not only a matter of comfort but also a matter of safety and insurance coverage.
“As a car insurance expert, I cannot stress enough the importance of adjusting your driving habits according to the prevailing weather conditions.
“Excessive heat can affect the performance of your vehicle and increase the potential risk on the road.
“By maintaining an alert mindset and practicing responsible driving, you not only keep yourself and others safe but also help ensure that your insurance coverage remains in place.
“So, keep your ‘cool’ while driving, stay hydrated and drive carefully, as a little caution in the hot summer sun can go a long way in ensuring your safety and peace of mind.”
If you’re unsure about what could invalidate your insurance and how to stay safe while driving on the roads, Matthew has five mistakes you should avoid:
leaving your car unattended with the windows open
Leaving your car unattended, with its windows even slightly open, can make it an easy target for theft or damage. Insurance policies often require you to take reasonable precautions to protect your vehicle, so leaving it unattended or having the windows open during the heat can be considered negligence.
parking in dangerous areas
Extreme hot weather can lead to certain hazards such as wildfires or areas prone to heat-related accidents, such as being near flammable materials or being in direct sunlight for long periods of time. Parking your vehicle in areas where there is a high risk of fire or other damage may invalidate your insurance coverage.
neglecting vehicle maintenance
Heatwaves can put extra strain on your vehicle, especially on the cooling system, tires and battery. Neglecting routine maintenance, such as checking coolant level, ensuring proper tire pressure and inspecting the battery, can lead to mechanical failures and accidents. If it is determined that the accident occurred due to neglect of maintenance, your insurance claim may be denied.
Ignoring Recall or Safety Notices
Car manufacturers may issue recalls or safety notices related to specific models or components that may pose a risk during extreme weather conditions. Failing to address these recalls or ignoring safety notices and not taking appropriate action could put your insurance coverage at risk.
driving recklessly in extreme heat
Excessive heat can affect road conditions and vehicle performance. Engaging in reckless driving behavior like speeding, aggressive driving or ignoring traffic rules can increase the chances of accidents. If it is determined that your negligent driving caused the accident during the heatwave, your insurance may not cover the damages.
Based in New York, Stephen Freeman is a Senior Editor at Trending Insurance News. Previously he has worked for Forbes and The Huffington Post. Steven is a graduate of Risk Management at the University of New York.