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If you own or operate a car in London, you probably keep your eyes peeled for problems in the area. There are a number of problems that can end up with you needing to claim against your insurance. This is important because it will dictate your future premiums. Make sure that you’re aware of the risks you face in the capital city as a driver. You don’t want to leave yourself exposed.

While London has a reputation for being a city reliant on public transport, there are still plenty of vehicles in the city – so many, in fact, that the city has had to impose congestion taxes on vehicles. In this article, we’ll take a look at some of the problems impacting the London insurance market so that you can reduce your risk as much as possible.


As London is the largest city in the UK by a country mile, it’s important to understand how common accidents are in the metropolis. London often has over 9,000 motor accidents per year – a considerably high number – that’s over 20 per day. Since accidents can lead to huge claims and significant damage to your vehicle, you must be aware of this as much as possible.

Poor Roads

London also has a number of poor roads that can lead to damage or potential accidents. This is more prevalent in certain parts of the city, but it is still a major problem for some drivers. You should be wary when you drive in certain areas of the capital.


Like much of the UK, London can have terrible weather. This means that there are plenty of contributing factors that can result in accidents that might not generally occur. Snow, sleet, and rain can all result in additional problems for drivers. Avoid driving in poor weather – the city has not been resourceful in recent times when it comes to keeping roads in good condition during snow or storms.


London is known as the auto crime capital of the country. Theft and vandalism is a huge problem in the city. You want to make sure that you’re wary of the potential that your vehicle may get stolen. If you can, store your car in a secure place overnight.


If you do drive a vehicle in London, it couldn’t be more obvious that you need a comprehensive insurance policy if you want to protect yourself against certain evident risks. If you’re looking to make sure that you don’t end up out of pocket, make sure that you have coverage for all the different risks reported in this piece.

Also, if you do end up in a situation where you need to make a claim, make sure to do it quickly. As your car is your primary mode of transport, it’s important to make sure that you get the ball rolling as soon as possible. You also want to make sure that you aren’t disputed in the case of an accident because you took your time to file. Don’t trust the person you have been in an accident with to be honest after the fact – make the first move.