The Importance of Good Car Maintenance in Reducing Car Insurance Costs

The Retail Motor Industry Federation (RMIF) claimed in August 2009 that drivers could save money on their car insurance by keeping their vehicles in good shape.

So what has keeping your car in good condition got to do with keeping your premiums low?

Why car maintenance is important

The idea is straightforward enough - by dealing with small problems now, you can prevent them becoming big problems later. A significant number of car accidents, and subsequently car insurance claims, are caused by cars suffering unexpected faults, many of which could be avoided by paying the proper care and attention to a vehicle.

Being involved in an accident pushes up car insurance premiums as it wipes out a no-claims discount. There is also the risk that if the accident was caused by a failure to maintain the car, an insurer could refuse a payout altogether on the grounds of negligence.

Indeed many insurers are now starting to pay direct recognition to drivers who keep their cars well maintained through reduced premiums. For example, over 50s provider Saga has said that drivers could save money by taking vital repair tools with them in preparation for a break down.

In the current economic environment, car maintenance has taken on added importance as few people can afford the cost of a new car or repairs if their vehicle is involved in an accident - remember a car insurance provider will only pay out for damage to your vehicle if you have comprehensive cover. Indeed even if you have a fully comprehensive policy you will still need to cover the cost of the excess which could be hundreds of pounds.

How can you keep your vehicle in shape?

Its well worth getting your vehicle serviced twice a year - once as part of its annual MOT check-up and the other at a six-month interval. This will ensure that your car is well maintained by an expert and any problems that may not be easily recognisable to an amateur can be quickly dealt with.

However, there are some simple steps you can take to keep your car well maintained on your own - including:

- Air filter: Examine the filter for dirt and tears in the paper and replace if necessary.

- Anti-freeze: Make sure you use the correct concentration as anti-freeze raises the boiling point of the water in your radiator so the water can keep the engine cool even during summer heat.

- Battery checks: Watch out for corrosion after the winter months.

- Brake inspection: Think about how reliant you are on your brakes. Its worth having a professional examine the pads and brake fluid twice a year to ensure everything is in order - but you should test your brakes each time you drive in a safe area before you reach a main road.

- Headlights: Check the bulbs regularly to ensure they are working.

- Tyre checks: Check at least once a month and ensure they are inflated to the correct pressure. Do this with the tyre as 'cold' as possible.

It may even be worth giving your car insurance provider a call and informing it of the steps you take to keep your car well maintained - it may offer you a discount.