CoverGirl Car Insurance Service guide to safe night driving

CoverGirl Car Insurance Services offers great value online car insurance in the UK. We only insure women drivers so you won't have to worry about subsidising male drivers who are now known to cause higher value car accidents and then make more expensive car insurance claims. If you are fed up with paying for the boys then why not get a cheap car insurance quote now and see what you can save.

We also save you money by cutting back on our overheads. Because we avoid advertising in the media and don't have a high street shop to pay for, we can afford to charge you less for your UK online car insurance.

In addition to the great savings we can make you on your motor insurance we also offer you some excellent tips and advice about motoring, car insurance and safety. Read on to find out about night driving and how to drive more safely.

Night driving
In the UK about 25 per cent of all fatal crashes occur between 4pm and 9pm and these occur primarily in the winter months when darkness comes sooner. Studies in Germany has also found that whilst 75 per cent of all driving is done during daylight hours, more than 50 per cent of all fatal accidents happen during the hours of darkness.

It is thought that these accidents occur because the driver does not have enough information about the road in front of them to act upon hazards.

According to Adrian Walsh, RoadSafe's director, says, 'Ninety percent of a driver's reaction depends on vision, and vision is severely limited at night. Even on well-lit roads, depth perception, colour recognition, and peripheral vision are compromised after sunset.'

These are the five steps that a driver goes through when encountering a hazard

• Perception of the hazard, under poor visibility conditions

• Identifying the hazard under poor lighting conditions

• Considering the alternatives available, and deciding what action to take

• Reaction time - mental plus muscular

• Braking

The main way that you can avoid an accident when driving at night is to reduce your speed and not to drive if you are tired. The most important aspect of safe night driving is good visibility. Ensure that your headlights are working properly and your windscreen is clean.

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