Unpacking our latest holiday motor claim trends.
unpacking-our-latest-holiday-motor-claim-trends
As a trusted broker, your advice is the first line of defence against financial risk for your clients. To help you guide them effectively, we've analysed our latest holiday claims data, revealing critical trends in client risk exposure and highlighting exactly where proactive mitigation can make the biggest difference.
Please feel free to use these key highlights and tips to educate your clients and reinforce the value of comprehensive coverage.
The current motor risk landscape
In the previous December holiday period, motor-related claims significantly dominated our total claims volume. While consistent, costly risks like theft and hail damage remain prevalent, our data points to two major areas of exposure:
|
Claim Type |
Percentage of All Claims |
Key Takeaway |
|
Vehicle Accidents |
37% |
The single largest category. |
|
Windscreen & Glass Repair |
17% |
A significant, often unexpected expense. |
These two statistics underscore the vital importance of clients holding a comprehensive vehicle insurance policy, one that offers peace of mind and pays out 100% of valid claims.
The comprehensive advantage
In the unfortunate event of a vehicle accident, insurance goes far beyond simple financial protection. Our policyholders gain access to essential, round-the-clock support designed to keep them safe and informed, including:
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Mobile crash detection through our Auto&General App for comprehensive insurance policyholders: Instant alerts and assistance when it matters most.
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Emergency medical assistance: Immediate professional help at the scene 24/7/365.
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Full viewing of policy details.
Five tips to help your clients prepare and protect
Based on the most common and recurring claims we process, we advise you to share these five prominent risk mitigation tips with your clients. Preparation is the best protection!
1. For Vehicle Accidents & Glass Damage (37% + 17% of Claims)
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Focus on the road: Maintain safe following distances and strictly avoid all forms of distracted driving (especially mobile phone use).
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Vehicle maintenance is key: Regularly check essential safety features like tyre pressure and brakes to ensure optimal vehicle performance in emergencies. Consider our Tyre & Rim insurance, which covers you for repairs and replacement of tyres caused by unexpected road hazards such as potholes.
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Secure parking pays off: Always park in secure, covered areas whenever possible. This significantly reduces the risk of glass damage from stray objects or malicious acts.
2. Weather-related risks (Hail)
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Stay alert: Actively monitor weather alerts and forecasts. Use car covers or seek enclosed parking immediately when severe storms or hail are predicted.
3. For theft & portable Items
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Zero valuables rule: Never leave valuable items (laptops, phones, bags, etc.) visible or unattended in a vehicle. "Out of sight, out of mind" is the best defence against smash-and-grabs.
Action Point for Brokers
Use this claims data to initiate crucial conversations with your clients about their current coverage. Encourage your Auto&General clients to download and explore the Auto&General App so they are fully prepared with essential emergency tools before a crisis occurs.
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