Car Insurance – How To Play Your Part To Safe Guard Your Valuable
Having ones car stolen is an awful experience to go through. The sheer audacity that someone had to break in and take your prized possession is sometimes too difficult to bear. Apart from having a proper car insurance policy, there are some things you can do, to decrease the chances of you having to raise a claim with your insurance company.
Thieves find newer models difficult to break into and will turn their attention to older models. These older models do not have the sophisticated security systems built in and are therefore an easy target. So if your car is older than nine years you have a good chance of becoming a statistic.
The first thing we need to deal with is car insurance ; the average claim for theft, relating to possessions or loss of vehicle, will increase your premium at renewal time. Anything you can do to prevent items being stolen from your car or the vehicle itself, will therefore save you from paying a higher premium.
You may also give your insurer a call and ask if your in-car navigation system and your entertainment system is covered. If not, do consider in adding them to your policy. Different carriers will give you many options to tailor make your protection as and when you need.
Assuming you have a vintage or classic car, it is of utmost important that you treat it with special care when you take them out on the roads. Apart from having the comprehensive cover, you can make a few adjustments yourself you ensure that your car is not stolen. When you park, always lock the windows and doors and get the sunroof up as well.
Many old cars will not be fitted with an automatic alarm system, so if you want to save some money, get yourself a mechanical immobilizer which fits across the steering wheel. There are also units which lock the gear lever as well. If you have expensive alloy wheels, do get them lock bolted to make them secure when you are parked.
Pack away any loose items lying around in the car. People will break in just to steal a few loose cents and cause you lots of damages in the interim. Take away the cradle of your navigation system and remove the suction cup marks from the window. Thieves look for tell tale signs and will break in if they know you have such a system in the car. Your windows and headlamps should also be etched with your car’s registration number. This is for ease of reference for the police should they find your car or belongings.
The above small measures will all help to bring down an otherwise expensive car insurance premium, as it’s the small things we tend to forget about which lend ease to a thief.
Apart from having suitable car insurance for your car, and doing everything humanly possible to secure it, the chances of your car being stolen in your life time are high. More info on vehicle insurance now a click away.
