Au insurance

How to cut costs.
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■ Roof racks make your car less aerodynamic. Remove them when not in use.

■ Check your tyre pressure – poorly inflated tyres put more strain on the engine and use more fuel.

■ Make sure you are not keeping unnecessary items in your car.

■ Accelerate gradually from standstill and leave a decent gap between the car in front to allow you time to break gently. Both practices will save petrol.

■ Get the car serviced regularly (according to the manufacturer's schedule) to maintain engine efficiency.

■ Make sure you use the correct specification of engine oil.
Potholes

A couple of weeks ago the AA issued an alert that the harsh winter is bringing out a rash of potholes on our crumbling roads which will wreak havoc on cars. It said many roads are "on borrowed time with a combination of potholes, snow and heavy rain producing the worst imaginable driving conditions".

The average insurance claim for pothole damage to cars is just over £1,300, though the most costly claim the AA dealt with last year topped £14,000, when a driver lost control and crashed after hitting a pothole. Cuts in road maintenance budgets of 20% mean local authorities face difficult choices on prioritising roads for repair, with many potholes likely to go unrepaired.

Simon Douglas, director of AA Insurance, says: "Our claims staff are bracing themselves for a steep rise in reports of cars damaged by potholes. Last winter there were three times as many claims between January and March compared with the same period in 2009. We expect the pothole problem to be significantly worse this year because of three successive bad winters and the growing backlog of road renewal."
Everybody wants cheap car insurance but it is important to look beyond the price of the premium, to see exactly what you're getting (or more importantly not getting) for your money.

Being a positive and safe driver earns you additional Bonus Miles each month. !!!!!