Owners of vehicles are faced with a variety of risks, which can lead to personal or business financial losses. A comprehensive insurance program will assist you in your recovery, but will never fully compensate you for the turmoil that such a loss can cause. By following even a few of these simple and cost effective loss prevention tips, you can significantly reduce your chances of suffering a loss.

• Practice safe driving every time your are in your vehicle to reduce the risk of personal injury to you and your passengers as well as any damage or injury to others.

• Make sure your vehicle is in good running condition and mechanically fit. Keep a record of the maintenance on your vehicle to prevent unexpected breakdowns. Do a circle check of your vehicle every day. Keep your vehicle equipped with a good spare tire, a jack, flares, a flashlight, a blanket and candles in case of emergencies.

• Drive on well-lit and well-travelled roads and DO NOT pick up hitchhikers.

• Instill a safe and courteous attitude in everyone who operates your vehicle; this is an important step in preventing losses.
  
  
  Protecting yourself from a theft loss

  The following precautions will reduce the risk of the THEFT of your vehicle and its contents:

• Always lock your vehicle and take the keys with you, even if it is only for a few minutes.

• Never leave the engine running while your vehicle is unattended.

• Safeguard your keys - Never keep your vehicle keys house keys or business keys on the same key ring and NEVER attach identification tags to them. Leave only the vehicle key with the service facility when having your vehicle serviced or repaired.

• Personal items - cheque books, credit cards, money in ashtrays, garage door openers, vehicle registration and parcels should be kept out of sight. Leaving valuable items exposed to view is an invitation to thieves.

• Parking in well-lit areas is important for your personal safety and the safety of the personal belongings in your vehicle.

• Take a picture of your vehicle and keep it in a safe place. This will make search and identification easier if your vehicle is stolen. A picture will also be beneficial when settling a claim.

• Keep your vehicle in a locked garage or protected location when not in use.

  Choose your vehicle carefully. There are many anti-theft devices available on new vehicles- electronic immobilizers, fuel and electrical cut off devices, anti-theft alarms systems, steering wheel locking devices and hood locks.

  Thanks to Royal Sun Alliance Insurance for the content.

  
  If you have any questions about auto insurance, please email Tiffany at tiffany@hubbardinsurance.com