Top 8 defensive driving tips for Filipino drivers to stay safe and save on insurance

Defensive driving for Filipino drivers

What is defensive driving? It is a driving approach that focuses on safety and accident prevention. It includes being aware of your surroundings, anticipating potential hazards, and making wise choices on the road.

Why does it matter? Defensive driving matters for two main reasons for Filipino drivers -

Financial stability and safety benefits: Did you know that practically defensive driving can significantly cut down your expenses? Yes, that’s true. When you drive safely, you are less likely to file a claim, and your driving record will also remain clean, portraying you as a responsible driver. Both of these factors will enhance your standing as a policyholder and result in lower premium rates.

Shield against high accident rates and road challenges: Road accidents in the Philippines are a common occurrence. In fact, it is one of the top causes of injuries in the country. While cities like Metro Manila, Davao, and Cebu experience heavy traffic, rural areas have narrow & poorly lit roads - all these conditions make driving a risky and defensive approach necessary.

Also Read: Top car insurance worries Filipino drivers face - and how to fix them

Defensive driving techniques

Here are a few practical techniques to practice defensive driving in the Philippines -

Anticipating other drivers’ actions - A driver should always be prepared for the unexpected, including rear-end collisions, motorcyclists weaving through traffic, and pedestrians crossing the street illegally.

Understanding the right-of-way rules - This rule enables you to respect pedestrian crossings and intersections. Thus, contributing to a smooth and safe traffic flow.

Maintaining a safe following distance - There is a well-known 3-second rule in driving that serves as a guideline for maintaining a safe following distance. It helps prevent rear-end collisions.

Stay alert and avoid distractions - There are a few things that are strictly prohibited when it comes to driving, including texting or browsing on your phone. Make sure to keep your full attention on the road.

Make nighttime drives safer - When driving in the dark, be sure to avoid using high beams unless absolutely necessary. Also, when driving on a poorly lit road, limit your speed.

Manage co-drivers effectively - The roads are shared with a wide range of vehicles and drivers, including jeepneys, motorcycles, and tricycles. Try giving them space, as they may change lanes or stop suddenly.

Typhoon & flood driving essentials - When driving during harsh weather conditions, ensure you avoid high-risk zones, use hazard lights, and park in an elevated area.

Also Read: Top 5 myths about Acts of God insurance coverage (Busted!)

Navigate smartly - During rush hours, try using navigation apps to find alternative routes; this way, you’ll avoid heavy traffic and potential collisions.

Defensive driving & car insurance premium

It is a fact that insurance providers value clients with a clean driving record; such individuals are usually rewarded for their good behaviour in the form of discounted or lower premiums. Here are a few ways to secure lower insurance premiums -

• Try to avoid road accidents or any type of collision; doing so will keep your driving record clean, which insurers value very much.
• Follow traffic rules and avoid any violations. This will keep your record clean and help qualify you for a loyalty reward.
• Do not file a claim for minor issues, as fewer claims will earn you a premium reduction.

Also Read: How your driving habits impact your insurance rates – What you need to know

Car maintenance & defensive driving

Many are unaware, but defensive car maintenance is a key component of defensive driving. In fact, it is as important as maintaining a clean driving/claim record. Here are a few car maintenance suggestions -

• Ensure regular maintenance check-ups for the headlight, tyres, and brakes.
• Install safety gear in your car, like a dash cam.
• Schedule annual vehicle inspections to prevent breakdowns and accidents due to mechanical issues.

Driving mistakes to avoid

Here are a few common driving mistakes every Filipino driver must stay clear of -

• Speeding on a busy city road is never a good idea and could end badly.
• Aggressive driving behaviour helps no one apart from the mechanic and the hospital, who’ll make long bills.
• Ignoring traffic signs and symbols can spoil your driving history.

Also Read: Travel with peace of mind: Car insurance add-ons for road trips in the Philippines

Bottom line

When you drive safely and smartly, it is more than just a skill; it is a mindset that contributes in many ways. It not only creates a safe environment on the road but also saves you a lot of money. However, for a Filipino driver, driving safely involves adapting to unique road conditions, such as traffic, harsh weather, damaged roads, and animal collisions, while also respecting others. We advise all drivers to practice defensive driving, which allows you to protect yourself, your loved ones, and your finances. Additionally, this will benefit you by lowering your insurance premiums.

Remember, the road is a shared resource, so let’s do our bit and make it a safe space.

Also Read: How wearing proper motorcycle gear helps with insurance claims

FAQs

Q1. Is it mandatory to insure your motor vehicle in the Philippines?
Ans. Yes, all motor vehicles in the Philippines, whether cars or motorcycles, are required to have CTPL insurance. It is even a prerequisite for getting LTO vehicle registration.

Q2. What is CTPL insurance?
Ans. CTPL stands for Compulsory Third-Party Liability; it is mandatory for all vehicle owners. It is needed for vehicle registration, offers minimal coverage, and is affordable.

Q3. What coverage does CTPL insurance provide?
Ans. CTPL insurance offers coverage against third-party bodily injuries or death.

Q4. Will defensive driving lower car insurance premiums?
Ans. Yes. Most insurance providers offer a discount to drivers who practice safe & defensive driving with no claim history.

Q5. Do car insurance providers recognise a defensive driving course?
Ans. Some insurance providers offer a discount to providers who complete defensive driving courses from accredited centres.

Q6. What is the difference between CTPL insurance and comprehensive coverage?
Ans. CTPL insurance covers damage to third parties (including injuries or death), while comprehensive coverage protects both the policyholder and the insured vehicle.

Q7. Does car insurance cover flood damage?
Ans. Yes, given that a car insurance policy includes Acts of God coverage, this can either be part of the comprehensive plan or an add-on.

Q8. How can I demonstrate to my insurer that I am a safe driver?
Ans. You can achieve this by maintaining a clean driving record, completing a defensive driving course, and avoiding traffic violations.

Q9. Does installing a dashcam help with an insurance claim?
Ans. Yes, dashcam footage helps with the claim by providing evidence in the form of footage.

Q10. Can the no-claim bonus be transferred to another car?
Ans. It depends on the insurance provider and the policy's terms and conditions.

Q11. Do insurance policies cover accidents due to driving under the influence?
Ans. Typically, insurance providers deny claims if the driver was under the influence of alcohol or drugs at the time of the accident or collision.

Q12. Are online car insurance apps reliable?
Ans. Yes, many insurance providers in the Philippines offer reliable digital platforms wherein users can buy and claim policies.

Q13. What will happen if my policy expires?
Ans. This will lead to the risk of penalties and financial loss in case of an accident.

Q14. Does safe driving affect insurance renewal rate?
Ans. A clean driving record/history often leads to lower/discounted renewal premiums.

Q15. How often should I renew my insurance policy?
Ans. An insurance policy usually lasts for a year, so you need to renew it before its expiry date.

Q16. What are some of the government and non-government programs to support road safety?
Ans. There are several initiatives, including LTO's road safety campaigns, DOTr's initiatives such as DRIVERS, DPWH's road safety program, and PNP-HPG’s traffic law-enforcing program. Similarly, several NGOs work towards improving road safety.

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