Vehicle and machinery insurance

Parking damage is among the most common types of vehicle damage. With a little extra attention, many incidents can be avoided.

• Park with sufficient distance from other vehicles when possible.

• Reverse into the parking space for better visibility when departing.

• Use reversing cameras and parking sensors actively.

• Be aware of posts, gates and other obstacles.

• Do a quick check around the vehicle before you drive.

Weather and road conditions can change quickly. By adapting your driving to the conditions, you reduce the risk of damage.

• Adjust your speed according to weather and road conditions.

• Keep a good distance to the vehicle in front.

• Ensure the correct tyres and sufficient tread depth.

• Remove snow and ice from windows, mirrors and the roof before driving.

• Reduce speed on gravel roads and near roadworks to reduce the risk of stone chips.

Good training contributes to safer use of vehicles and machinery. This is particularly important when using lorries, work machinery and other equipment that requires specific competence.

• Ensure necessary training and competence.

• Give new employees and temporary staff a thorough introduction to the vehicle or machinery.

• Conduct regular safety reviews.

• Learn from near misses and unwanted incidents.

• Follow safety procedures and the manufacturer's recommendations.

Modern vehicles and machinery are often equipped with technology that can help reduce the risk of injuries and accidents.

• Use reversing cameras and sensors actively when manoeuvring.

• Check that cameras, sensors and mirrors are working as they should.

• Be aware of blind spots, especially on larger vehicles.

• Consider 360-degree cameras or additional sensors if needed.

• Remember that technology is an aid and does not replace the driver's attention.

Theft and vandalism can lead to significant costs and business disruption. Simple measures can make it more difficult for unauthorised persons to gain access to vehicles and equipment.

• Lock vehicles and machinery when not in use.

• Keep keys inaccessible to unauthorised persons.

• Park in well-lit and secure areas where possible.

• Consider GPS tracking and theft marking.

• Secure tools and equipment stored in the vehicle.

Small faults can develop into larger and more costly damage if not detected in time. Regular maintenance contributes to safer operations and fewer unexpected breakdowns.

• Follow recommended service intervals.

• Check tyres, lights and brakes regularly.

• Follow up on warning lights and error messages.

• Address faults and deficiencies before they lead to more serious damage.

• Document completed service and maintenance.