Your car is more than a means of transport, it is also a significant investment and an important piece of equipment in helping you achieve what you set out to do each day. Your car insurance is something you may not give much thought to other than paying the premium, until you need to make a claim. However, having adequate cover to suit your needs can help minimise stress in the event of claim.
Even when a motor vehicle claim does not involve a personal injury, it has an impact on our lives. From the many hours on the phone and/or internet with insurance companies, police reports and witnesses to the time out of your work/home life to deal with towing contractors, repair companies and alternative transport options; it all adds up and can be emotional and time-consuming for many people.
 
Here are some tips that can help reduced the stress during a claim:
  • Review your policy and make sure it matches your lifestyle. For example, if you need to use your car every day, consider car hire option on your policy.
  • Download a claim app on your phone if your insurance company have one. Resilium have recently launched a claim app for motor claims which helps you record the correct information that is needed from the incident and you can then lodge your claim directly from the app.
  • Stay in contact with your insurance company or broker who knows and understands your personal circumstance. At Provident Insurance Services, we have a single point of contact, Lauren, for all claims. She deals with the insurance company directly on your behalf and keeps you informed at every step during the claim.

Car safety tips

While there are claims which are unavoidable, keeping your car well-maintained doesn’t just help to keep your family safe, it can save from you much bigger repair bills later on. Here are some of the warning signs to look out for when you’re driving:
  • Your tyres are looking worn or damaged, or there is only a small amount of tread (e.g. less than 1.5mm) remaining.
  • Your brakes feel spongy or unresponsive.
  • One of your lights or indicators isn’t working properly.
  • Your car tends to veer to one side of the road.

Car theft prevention tips

There’s no point having a well-maintained car if someone else is driving it. 42,631 cars were stolen around Australia in 2013/14 1.
Here are some ways you can help prevent your car from being stolen:
  • Keep your windows completely closed and your doors locked when the car is unattended.
  • Park in well-lit areas at night.
  • Don’t park on the street if possible. Try to use secure, attended car parks.
  • Don’t leave your keys in the ignition or your car running if you have to walk away from your car.
  • Don’t leave a spare ignition key in your car. If you need one, carry it with you.
  • Don’t leave valuables like mobile phones, handbags and wallets visible.
  • At home, don’t leave your keys easily accessible and lock your home when out or at night. An increasing number of keys are stolen in home break-ins.
You can call Polly or Lauren on 9442-0000 or email insurance@provident.com.au for a quote or a review of your car insurance. Whether it is for your family car or a fleet of business vehicles, we provide the same standard of advice, support, attention to detail and understanding of your circumstances.

Source:
1 National Motor Vehicle Theft Reduction Council; http://www.carsafe.com.au/images/stories/pdfs/Theft_Watch/Theft_Watch_52_October_2014.pdf
Article sourced from http://www.resilium.com.au/advice-centre/natural-disasters-safety-tips/car-safety-tips


Cresmont Holdings Pty Ltd ABN 59 079 927 245 trading as Provident Insurance Services Authorised Representative of Resilium Pty Ltd ABN 40 098 080 810 AFSL No. 232703 & Ausure Pty Ltd t/as Ausure Insurance Brokers ABN 94 096 971 854 AFSL No. 238433. This article contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. If you decide to purchase or vary a general insurance product, your insurance consultant, Resilium Pty Ltd and Ausure Pty Ltd may receive fees and other benefits. The fees will be a dollar amount and/or a percentage of either the premium you pay or the value of your investments. Please contact us if you want more information.
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