Halloween is a notoriously busy time for insurance companies, with a rise in claims related to car damage, vandalism, and accidental damage. Malicious damage claims increase by 21% in October and November1
Eggs can dent car panels, chip paintwork, or even break windows.
If you have a garage, it’s wise to lock your car away for the night or, at the very least, park it in a driveway rather than on the street. Figures from leading insurance companies show that Halloween is the worst day of the year for claims relating to malicious damage to property and is also the worst day of the year for damage to cars with 20% more claims than a normal day.
Claims specifically related to malicious damage to vehicles such as slashed tyres were 131% more likely on Halloween3.
Driver beware
As Halloween approaches, courier drivers and road users must exercise extra caution, especially with darker nights and increased foot traffic. Trick-or-treaters, often in dark costumes, can suddenly step into the road. They may be distracted and less cautious around vehicles, making it crucial to stay alert in residential areas.
Plus, residential streets will likely be busier, especially in the evening. Be extra vigilant near houses and driveways.
Reduced visibility, bad weather and unfamiliar routes can also increase risks for couriers working late. Darker nights, coupled with Halloween decorations or fog, can reduce visibility, requiring slower speeds and more attention. Slowing down, keeping headlights on, and being mindful of speed limits can help prevent accidents.
Drivers should also watch for pranksters or distractions that may cause sudden stops or obstacles. Halloween pranks, such as objects placed in the road, can be dangerous for drivers. Staying vigilant ensures a safer experience for all during this busy and festive season.
Get adequate cover
While having the right insurance for your vehicle is crucial year-round, as one of the busiest nights for car theft, vandalism , fires and burglaries, Halloween highlights the importance of adequate coverage.
Consulting a trusted insurance broker like the team at BCD can help ensure your policy fits your needs.
Get in touch with our team of experts now, on 0344 776 5305
2 https://www.insurancetimes.co.uk/claims-horror-of-halloween-/1326818.article