Defensive Driving: How To Avoid Minibus Insurance Claims
Regardless of whether you're driving a minibus
, a car, or even a motorbike, the roads in Britain and on the Continent can be dangerous. To say so isn't scaremongering because it is a fact that accidents happen. The following hints and tips will not only help you stay safe and have successful outings, they will also avoid your having to make unnecessary claims on your minibus insurance.There are legal requirements associated with driving, from being sober to driving with due care and attention. There are also non-legal requirements that are at least as important, and not all apply solely to the use of a minibus. We've all seen motorway signs saying 'Tiredness kills, take a break'. These are displayed for a reason. You may, as a minibus driver, feel that your ability to drive for long periods is faultless. These can be famous last words, especially as tiredness is insidious, it can creep up on you. If even remotely drowsy, let alone sleepy, do as the signs say and take a break. There's no shame in admitting you could do with a rest and there's nothing heroic about ploughing into the back of an articulated lorry or finding yourself clattering along a crash barrier at 60 miles per hour. Pull up at a motorway services, have some coffee and a snooze if necessary. This is obviously doubly important if you've a full complement of passengers. Bear in mind that you should always plan rest breaks into your journey, for your sake as well as that of your passengers.
Minibuses have their own requirements, over and above those of cars. Your minibus may have car-like attributes, including power-assisted steering and brakes, comfortable seats and a great heater, if not air conditioning. It is, however, bigger and heavier than a car. Consequently, it can't accelerate as fast as a car, negotiate corners as proficiently and stop as quickly as a car can. You must allow for these factors, and not only in the more obvious senses. For example, a minibus has a much bigger side profile than a car. In side winds, and in the slipstream of a big lorry, it will be affected much more profoundly. This can be allowed for but it should never be forgotten.
Similar parameters apply to manoeuvering a minibus. Your windscreen, side glass, rear glass and mirrors may be spotless but you still have to allow for the size of the vehicle you're handling. This is especially so when pedestrians are about. You may be unfortunate enough to touch a roadside obstacle, or even another vehicle, when manoeuvering. This will dent your pride rather more than it dents your minibus. Should you be unlucky enough to touch a pedestrian, you could be faced with something far more serious. A minibus fitted with reversing sensors and even a reversing warning is desirable. It's more desirable still to have someone keeping a weather eye on what's to the rear. In any case, do not reverse if there's any doubt at all. Be safe before it's too late, rather than sorry after the event.
These simple tips will not only save lives, not to mention preserving your dignity, they can also save a claim on your minibus insurance. Remember that, following an accident or incident like those mentioned here, there's only one way the insurance premium can go. Here's a clue: it isn't down!
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