5 Winter Driving Tips

Whether you’re a new driver or you’ve tackled your fair share of Canadian winters, everyone knows that icy weather can be rough on your car. With freezing temperatures, slick roadways and blankets of snow falling down – it’s inevitable that your vehicle will experience winter wear and tear. But poor winter weather can also make for dangerous driving conditions. Failing to match your driving habits to inclement winter weather can put you and others in harm’s way. Here are our simple tips to help keep yourself and others safe on the road this winter.

1. Remember to Leave Space

When visibility is poor, it’s very important to maintain a safe distance from other vehicles. When roads are wet they may become frozen and icy, and stopping distances increase dramatically. This means that if you fail to maintain plenty of distance, you may not have enough time to stop safely and could crash.

2. Don’t Drive With an Obstructed View

When winter weather conditions make it difficult to see the road clearly, you still need to navigate through snow, ice, mud and other elements to get home safely. Make sure you’ve invested in a high-quality ice scraper and replace your windshield wipers as soon as they begin to wear out. Additionally, obstructed or dim headlights can make it difficult to see where you’re going. So don’t forget to replace the bulbs as needed to help keep your car free from icy buildup that blocks your view.

3. Properly Winterize Your Vehicle

Once the weather starts to cool down, it’s a good idea to put away your regular tires in favor of snow tires. Along with a good ice scraper, you should include a set of chains in your vehicle, especially if you live in a hilly area. In fact, certain roadways require chains during inclement weather for any vehicle that is lacking four-wheel drive or snow tires. The addition of a few blankets and an emergency road safety kit are also helpful when winterizing your vehicle.

4. Adjust Your Speed Appropriately

Even if you’re familiar with the regular route to your home or office, that doesn’t mean you don’t have to slow down during a storm. Instead of rushing and driving too fast, allow for extra time to get around town and be careful whenever you have to brake, take curves, or change lanes. The danger of skidding on ice is greatest when you’re taken by surprise, so remember to drive at an appropriate speed during winter storms.

5. Go Easy on the Brakes

Chances are that if you’re driving too fast and too close to other cars, you’ll have to brake hard to avoid an accident. Try to go easy on your brakes whenever possible to avoid making one or more of your wheels lock. Locked-up wheels are dangerous because they can easily send you into a spin and become very dangerous on winter roadways.

Stay Safe and Enjoy a Happy Winter

As your trusted insurance broker, we want to make sure that you and your loved ones stay safe on the roads this winter. By following a few key safety steps you can protect yourself and others all year long. Visit us online at LDInsurance.ca for more information!

How will you stay safe this winter? Comment below!







Buying a New Vehicle? Don’t Skip the Replacement Cost Insurance.

Make sure you get the right insurance when you buy a new car.

Protecting a shiny new car takes more than your average auto insurance. If your vehicle is totaled in a car accident, basic coverage often won’t cover the full cost you paid at the dealership. After all, your car’s value depreciates over time. Let’s say you bought the vehicle for $25,000 in 2016, but its present-day value is only $14,000. As a result, you’re likely only covered for $14,000 in the event of a collision.

There is, however, an easy solution. By purchasing replacement cost insurance, your new vehicle can be insured for its original cost or the full cost of its dealership repairs. If the car is irreparably damaged, you’ll be reimbursed for a new car of the identical make and model, minus the deductible. We’ll tell you a true story below to show you why you should buy replacement cost insurance from The Insurance Services Department of London Drugs.

Learning From Our Mistakes

A current staff member, let’s call her Dawn, tells a cringe-worthy account of driving to Edmonton in 2015 with her husband in their one-month-old car, which they had declined to insure with replacement cost insurance. “We figured we are pretty safe drivers and we are not going to have any accidents,” explains Dawn.

But during that fateful trip down Coquihalla Highway, Dawn and her husband collided with a deer that ran into their path. “The vehicle was a total write-off from that accident,” she says. Things were, unfortunately, about to get even worse. “While we were waiting to be towed,” Dawn continues, “A tour bus full of US tourists slammed onto the tow truck, which consequently slammed onto our vehicle damaging it even more.”

The Cost of Being an Underinsured Motorist

Since Dawn and her husband didn’t have replacement cost insurance, ICBC only paid for the vehicle’s value at the time of the accident. After the incident, the couple vowed to never buy a new vehicle without investing in replacement cost coverage. “Whenever I have a client who is insuring a vehicle that’s less than 3 years-old, I always tell them my story so that they don’t make the same mistake that I made,” Dawn says knowingly.

Travel safe with the right kind of insurance.In January 2018, Dawn’s new Toyota was stuck in a crash, causing significant damage to its front bumper. But this time, she was prepared with replacement cost coverage. The insurance not only covered the repair costs, but it ensured that genuine Toyota parts were used, instead of generic ones.

Protecting Your New Car Today

If your car is involved in an accident, replacement cost auto insurance can protect you from depreciation and inflation. As a result, your settlement could cover the cost of a brand new vehicle. Visit us at the Insurance Services Department at London Drugs.