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100% independent

How do you get on the road safely in slippery conditions?

Introduction

The winter months often bring challenges on the road, especially when it is slippery due to snow or ice. Slippery roads can cause dangerous situations, but with the right preparation and driving behavior you can significantly reduce the risk. In this blog we share practical tips for traveling more safely on slippery roads.


Preparation Before You Hit the Road

  1. Check the weather forecast:

    • Use apps or websites to see if smoothness is expected. Avoid the road if conditions are too dangerous.

  2. Caring for winter tires:

    • Winter tires provide better grip at temperatures below 7 degrees Celsius and on slippery roads.

  3. Check your vehicle:

    • Check tire pressure, windshield wipers and lights.

    • Make sure your windshield wiper fluid is suitable for low temperatures.


Driving Behavior on Slippery Roads

  1. Slow down:

    • Drive slower than normal. This gives you more time to respond to unexpected situations.

  2. Keep your distance:

    • Increase the following distance to at least 5 seconds. Braking takes longer on slippery roads.

  3. Brake carefully:

    • Use the brakes wisely. With a car with ABS (anti-lock braking system) you can continue to brake and steer calmly.

  4. Be careful when cornering:

    • Reduce speed before entering a turn to avoid skidding.

  5. Use the engine brake:

    • Shift down to a lower gear to reduce speed without immediately braking.


Tips for Specific Situations

  1. On a slope:

    • Maintain a constant speed and use a low gear to maintain traction.

  2. When skidding:

    • Stay calm, steer in the direction you want to go, and avoid sudden braking.

  3. In case of sudden ice:

    • Reduce your speed gradually and find a safe place to stop if conditions become too dangerous.


What Can You Do After the Ride?

  1. Clean your car:

    • Remove snow and ice from your vehicle to prevent freezing.

  2. Check for damage:

    • Check tires and brakes for wear after driving on slippery roads.

  3. Plan preventive maintenance:

    • Make sure your car is checked regularly to prevent problems during winter conditions.


Conclusion

Slippery conditions do not necessarily mean that you cannot go on the road at all, but it does require extra attention and preparation. By taking the right precautions and adjusting your driving style, you can significantly reduce the risks of slippery roads. Stay safe and take care of yourself and others on the road.

Read more ... how do you safely go on the road when slippery?

How Legal Expenses Insurance Can Help You With Your Second Home

Introduction

A second home can present legal challenges, especially when renting or having problems with neighbors. Legal expenses insurance provides valuable support in such cases. In this blog we discuss how this insurance works.

What does legal expenses insurance cover?

This insurance covers legal costs in the event of conflicts, such as:

  • Disputes with tenants.

  • Problems with neighbors across property lines.

  • Discussions with contractors about renovations.

Advantages:

  • Expert legal support in conflicts.

  • Access to mediation and advice at no extra cost.

  • Suitable for both private and business properties.


Read more ... how legal assistance insurance can help you with your second home

The Benefits of Rental Insurance for your Second Home

Introduction

Renting out your second home can be an attractive source of income, but it also entails additional risks. Rental insurance provides specific coverage for rental properties. In this blog we explain what this insurance entails.

What does rental insurance cover?

Rental insurance covers damage that occurs during rental. Consider loss of rent in the event of fire, damage by tenants or legal conflicts.

Why is it Important?

  • It provides peace of mind in unexpected situations.

  • Insurers often provide legal support in disputes.

  • You are protected against damage that standard policies often exclude.

Read more ... the benefits of rental insurance for your second home

Why Liability Insurance is Important for your Second Home

Introduction

With a second home you run the risk of being held liable for damage to others. Liability insurance then offers a solution. In this blog we discuss how this insurance can protect you.

What does liability insurance cover?

This insurance covers damage that you accidentally cause to others. Consider a loose stair railing that leads to a tenant or visitor falling.

What should you pay attention to?

  • Choose an insurance policy with sufficient coverage for personal injury.

  • Check whether the policy also applies to damage caused by tenants.

  • Consider combined liability insurance for multiple properties.

Read more ... Why a liability insurance is important for your second home

Everything You Need to Know About Contents Insurance for your Second Home

Introduction

A second home that is fully furnished comes with additional responsibilities. Home contents insurance is therefore important to protect your belongings. In this blog we explain what home contents insurance entails and why it is important.

What does home contents insurance cover?

Contents insurance covers damage to loose items in your home, such as furniture, electronics and kitchen appliances. Damage due to fire, theft or water damage is often reimbursed.

Helpful Tips:

  • Keep an inventory list with photos of your belongings.

  • Check whether the insurance applies to rental or only to personal use.

  • Consider additional coverage for valuable items such as art or jewelry.

Read more ... everything you need to know about a household insurance for your second home