AXA is advising motorists to take preventative steps ahead of the busy summer travel season, as the insurer looks to reduce the number of avoidable motor insurance claims linked to vehicle condition, driver fatigue, and security oversights.
With increased traffic expected due to school holidays and domestic travel, AXA is encouraging policyholders to carry out routine vehicle checks and prepare adequately for longer journeys. The insurer has outlined several risk factors that commonly contribute to claims during the warmer months – tips that brokers can pass on to their clients.
Breakdowns and accidents linked to tyre faults are a common source of motor claims, particularly during periods of high temperature. Despite this, AXA notes that a significant proportion of drivers are unfamiliar with basic tyre maintenance. According to the insurer, only 68% of UK drivers know how to correctly check tyre pressure, and just over half know how to assess tread depth.
Similarly, low levels of engine coolant, brake fluid and oil can lead to mechanical failure or damage—issues that may not be covered under some insurance policies if linked to poor maintenance.
AXA has reminded drivers that failing to lock vehicles or leaving windows and sunroofs open can affect whether claims for theft or damage are accepted. Most motor insurance policies include conditions relating to vehicle security, and insurers may decline to pay out if those conditions have not been met.
Driver fatigue continues to be a factor in a notable proportion of motorway accidents. Government data suggests that up to 20% of such incidents involve drivers falling asleep at the wheel. AXA is advising motorists to plan rest breaks and avoid driving while tired, particularly after long days or extended periods in the sun.
AXA Retail CEO Alain Zweibrucker said insurers play a key role in supporting policyholders after incidents occur, but also noted that many claims could be avoided through basic preparation.
“When the worst happens, insurers are here to help you get back on the road, but these safety tips can help prevent customers having to make claims in the first place,” he said. “In the summer months the roads get busy, so it’s best to stay prepared and make essential checks to ensure your vehicle is well maintained.”
The insurer is also continuing efforts to raise awareness around road safety, including programmes aimed at younger audiences, as part of a broader focus on reducing claims linked to avoidable incidents.
