AXA Connect

Personal Motor Insurance Hints and Tips

Use the content below to access some useful hints and tips relating to prevention, what to after an accident and also what to do after a vehicle has been stolen.

  • Browse our list of hints and tips

    No matter how good a driver is, accidents do happen and can be a very stressful experience. Below are some instructions on what should be done at the scene of an accident:

    • Stop at the scene of the incident. If there are any injuries or damage to someone else's property (Including other vehicles) it is an offence not to stop. If a dog or farm animal is hit, the driver is required by law to report the incident to the police. If a cat or wild animal is involved, there is no obligation to contact the police but the driver should ensure the animal is not injured or suffering
    • Ensure the scene and everyone involved is safe. Switch off all engines, turn on hazard lights and alert oncoming traffic about the incident
    • It is useful to keep an accident pack in the vehicle. This should contain a notebook, a pen or pencil and a disposable camera (This is in case the driver's mobile phone does not have a camera). It is also useful to have a note of the insurance details to hand (Policy number and insurer contact details)
    • Only take photos of the accident scene from a safe position
    • Exchange names, addresses, telephone numbers and insurance details with all of the other parties involved. Also write down a description of the other driver and vehicle (Registration number, Make, Model and any distinguishing features)
    • Look for anyone that may have witnessed the accident and take their details. Independent witness evidence is very valuable as evidence when establishing fault for the incident
    • If possible, draw a quick sketch of the accident scene, noting the road names in addition to taking photos
    • Try and make a note of how many passengers were in each vehicle. If an injury claim is made later, we need to be sure the person making the claim was involved
    • If there was property damage caused as a result of the incident (Buildings, fences, bollards etc) take a note of the amount of damage. Only the damage caused by the accident should be claimed.
    • Report the incident to AXA at the earliest opportunity.

    Having a vehicle stolen can be a very upsetting experience. Below is some advice on what the policyholder / driver should do if their vehicle is stolen:

    • Report the theft to the police and obtain a crime / incident reference
    • If the vehicle has been broken into and items have been stolen, the police should be asked whether they need to inspect the vehicle and conduct a search for possible fingerprints. If they do, it is recommended that the vehicle is not touched until the police have concluded their investigations.

    Report the claim to AXA at the earliest opportunity.

  • Prevention Hints and Tips

    The following can help when driving in rain:

    • Stopping distances could be at least double that of a normal, dry road.
    • Keep back from the vehicle in front for better visibility and increased thinking and stopping time
    • If you aquaplane (Tyres losing grip because of excess water), ease off the accelerator and slow down gradually whilst maintaining control.

    Driving on snow and ice can be extremely hazardous and frightening. Stopping distances can be up to 10 times that of a dry road.

    The following can help maintain control:

    • Use a high gear to avoid wheel spin (e.g. Second gear rather than first)
    • Drive slowly, allowing extra time for braking
    • Manoeuvre gently, avoiding harsh steering, braking and acceleration
    • To avoid locking the wheels whilst breaking, get into a lower gear earlier; allow your speed to fall and brake gently
    • If the wheels start to spin, ease off the accelerator. Do not brake suddenly
      Should the wheels lock, release the brake and use a pumping action to stop.

    The following can help when driving in fog:

    • Drive slowly, using dipped headlights
    • Use fog lights if visibility is seriously reduced, but switch them off when visibility improves
    • Don't hang on to the rear lights of the vehicle in front. It can generate a false sense of security
    • Don't accelerate rapidly. Fog is often patchy and you can suddenly find yourself back in thick fog.

    Driver fatigue is a major cause of accidents.

    Drivers are most likely to feel tired in two 'low spots' of the day. These are early afternoon (2pm - 4pm), especially after lunch, and the early hours of the morning (2am - 5am).

    Regular breaks should be taken of at least 15 minutes every 2 hours.

    On long journeys, a short nap for around 15 minutes, followed by a 5 minute walk in a safe place can help as can caffeinated drinks (Tea, coffee, cola etc).

    If tiredness is felt before being able to safely stop remember:

    • Slow down
    • Put on some music
    • Open a window
    • Turn down the heating
    • Sit upright and try to look around as much as possible
    • These will help maintain alertness until it is safe to stop.