Security and legal

Winter tips for your car fleet

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Does your company rely on your cars being operational and ready to use at any time? Then you know from experience that maintenance and servicing require more time and care in the winter than in the rest of the year. Find out here how you can deal with snow and ice.

In most cases, it doesn’t take much for your corporate fleet to be properly prepared against all the adverse winter conditions. Prevention and correct action in emergencies are essential. 

Prevention tips for your company cars  

Prepare your vehicle fleet for the winter

It goes without saying that you should fit winter tires to your vehicles. But do you also have winter checks carried out? That would be just as important and it’s never too late to do so.

You should have the following checked:

  • Electronics / electrical system
  • Braking system
  • Fan belt
  • Exhaust system
  • Wheel suspension
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Regular car maintenance and checks

  • The tread depth of winter tires – 4mm – is the minimum requirement. 
  • Driver assistance systems with the corresponding sensors – snow, salt and dirt – can lead to malfunctions.
  • Vehicle lighting systems, mainly the right setting for the headlamps. 
  • Do you have vehicles that are used mainly for short distances? Low temperatures drain more power than ever from the car battery. The battery is recharged when the vehicle travels occasional longer distances. 

Sub-zero temperatures conceal other risks. Particularly if your vehicles are parked outside or a long time or overnight. In these instances, for example, any based on water-liquid can quickly freeze. We therefore recommend the following precautionary measures:

  • Make sure that the windscreen-wiper unit and radiator are always full. 
  • Use special cleaning products for rubber seals for doors and the trunk. 
  • For older vehicles, always keep de-icing spray handy for car locks. Or cover the lock with adhesive tape as this is more environmentally friendly. 

Equipment in the car during the winter months

You should keep the following items in the car:

  • Snow chains
  • Jumper cables
  • Tow rope
  • Broom and folding shovel
  • And a warm blanket for emergencies
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Prevention tips for your employees

Your company’s most valuable asset is its employees who drive on the roads every day by car, delivery van or truck. The following tips help improve safety:

  • Allow for more time for journeys and orders.
  • Drive with care in snow and ice.
  • Do not make any sudden swerving maneuvers. If you skid, gently steer in the opposite direction and keep your eyes on the road, not on the impending danger.  
  • Keep a safe distance from the vehicle in front, as it takes much longer to brake than in the warmer summer months.
  • Don’t be frightened about applying emergency braking in an emergency: The driver assistance systems will help you, particularly the anti-lock braking system (ABS). 

Is your vehicle fleet already insured with us and do you want to make a mark? AXA offers free prevention talks in order to raise awareness among you and your fleet drivers about the dangers of driving in traffic. This would show your employees that their safety is your priority.

Insure company cars properly

Passenger cars (PC), delivery vans, minibuses, trucks, forklift trucks, gasoline, diesel or electric cars: Every vehicle with a number plate requires liability insurance. But does it also need comprehensive or partial accidental damage, additional insurance cover, or legal protection insurance? It depends how your company vehicles are used and also the sector in which you operate. 

There are various options for the best solution:

  • You insure every vehicle individually which means that you have several separate contracts. 
  • You insure all vehicles, from the forklift to the truck, altogether in a single contract. If you have five vehicles or more, it is worth taking out fleet insurance. This way you save on premiums and administration. AXA customers also benefit from our fleet prevention package – Smart Fleet
  • Do you and your employees sometimes use your own cars for business? For example, to deliver something quickly? Then it would be worth taking out “accidental damage insurance for commercial vehicles”. Because: If there is an accident on a business trip, the damage will be settled through accidental damage insurance for commercial vehicles. A neat solution for everyone. If not, the claim would be against private car insurance.  It is also possible that any personal costs incurred such as deductible and loss of bonus would be claimed from you if the claim involved one of your employees.
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