Last Friday afternoon while driving down the M1 the car in front of me screeched to a halt.
I pride myself on my panther like reflexes (I’m serious) and slammed on my brakes, missing the car in front of me by inches.
Relief. Well it was a very fleeting relief as I looked in my rear view mirror to see a car hurtling towards me.
It obviously wasn’t going to be able to stop so I braced myself for the shuddering impact. CRASH.
My car shuddered, as did I.
Thankfully no one was hurt but I was a little shaken up.
So I was involved in a car crash. That’s the bad news.
However, it did teach me a valuable lesson. And that brings us to the good news.
Insurance is an area where I think you should always have more cover than you need. At the very least ensure you have enough insurance.
Whether it’s car, life, health or home insurance in my (past and recent) experience it pays not to risk it.
And in this situation that paid off for me.
I got on the phone to my insurers AXA who were brilliantly efficient and within 48 hours I had a car delivered to my home. Not just any old car but the exact model which I’d been driving pre M1 drama.
It was no accident (pun intended) that the same model was my replacement car. At the time of taking out the policy I had paid a little extra to get ‘like for like’ cover.
The incident reinforced in me the importance of being properly insured. It also highlighted that decisions we make now really do have an impact on our future.
We’ve all been in situations where we think about cutting corners to save a few quid or to save time and hassle.
If I’d have skimped on parts of my insurance when I took out the policy I’d be driving the insurance company’s default ‘spare’ car for god knows how long.
Finally I didn’t go for the cheapest quote when I signed up – I went for one, slightly more expensive, but with a company which had a better reputation for customer care. Thankfully for me, there reputation is well deserved.
Thanks for reading and stay safe.
Nik.
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