On the back of Child Safety Week 2008 in the UK, parents are being urged to ensure that their child is suitably protected when traveling in a car.
In recent years there have been many debates over child safety when driving, particularly with laws implemented over child seats in September 2006. The regulations state that small children, up to three years old, are required to be restrained by child seats. Meanwhile, those that are older - aged three-12 and up to 135cm in height - must use booster seats or cushions.
To reflect the importance of child safety seats, many car insurance providers have issued cover options for car seats within their premiums. This should mean that if the car is involved in an accident, a fire or is stolen, the child seat will be replaced or at the very least that a contribution will be made towards a new purchase.
It's important that you take a child car seat into consideration when searching for cover. There are a number of insurers that include it automatically such as Hastings, esure, Halifax, AA, Churchill, Sheila's Wheels, More Than, AIG Direct, First Alternative, Privilege and Zurich. However, there are also several insurers that only include child seat cover as part of the personal possessions aspect of the policy, which normally has a limit of around £100. This may not be sufficient to replace your car seat. Also bear in mind that some insurers will not offer cover at all.
Of course child safety starts with seatbelts - ensure your child is strapped in before you start a journey. Also consider implementing child locks on the doors and windows.
If your car insurance provider doesn't offer child seat cover, shop around for cheap car insurance with a comparison website to find one that does.