Honouring lives and driving change: National Road Victim Month and the role of insurance

ery August, the UK observes National Road Victim Month – a solemn time to reflect on the lives lost or affected by road traffic incidents. This month is not only a moment of remembrance but also a crucial opportunity to raise awareness about road safety, support affected families and advocate for change in how we approach driving risks.

Why National Road Victim Month matters

Founded by the charity RoadPeace, National Road Victim Month shines a light on the long-term consequences of road collisions. It honours victims, supports grieving families and challenges society to prioritise safer roads.

August was chosen due to a tragic alignment of historic accidents:

• Princess Diana died in a car crash on 31st August 1997.
• Dr. William Price became the first road fatality in Britain in August 1896.
• Road deaths often peak during the summer months due to increased travel.

Understanding the role of insurance

Whether you’re a driver, passenger, cyclist or pedestrian, insurance can provide critical protection in the event of a road incident. Key types include:

1. Motor Insurance
   Legally required in the UK, it covers:
   • Damage to your vehicle
   • Liability for injury or death to others
   • Third-party property damage
   • Comprehensive policies may also cover theft, fire and non-collision damage.
   • Personal Injury Cover – some policies offer additional protection for personal injury – helping with rehabilitation costs, loss of earnings or even psychological support.
2. Life Insurance and Critical Illness Cover
   In fatal or life-altering accidents, these policies can provide much-needed financial stability for loved ones left behind.
3. Uninsured Driver Protection
   Unfortunately, not all drivers are properly insured. Adding this cover can protect you from those who don’t take responsibility for their presence on the road.

Road safety and responsibility

Insurance is a safety net – but prevention is always better than payout. National Road Victim Month is a reminder for everyone to:

• Obey speed limits
• Avoid distractions while driving
• Never drive under the influence
• Wear seatbelts and use safety gear
• Advocate for better infrastructure and education

How to support the cause

You can take part in National Road Victim Month by:

• Supporting RoadPeace and similar charities
• Sharing resources on social media
• Reviewing your own insurance cover and safety habits

Final thoughts

Road collisions are often sudden, tragic and life-changing. While no amount of money can undo the harm, insurance can provide a financial lifeline, allowing you time to focus on what’s most important: your emotional wellbeing.

This August, let’s remember the victims, support the survivors, and commit to making our roads safer for everyone.