Karma

When you want to help people enhance their quality of life, nothing can be ruled out.

Accidents happen - that's why we have insurance - but avoiding them is better. Simple preventative steps are a lot less disruptive and distressing than dealing with the aftermath of an incident, however hard insurers works to get you back on your feet quickly. And when it comes to imagining what might mitigate potential risk, a liberal dose of lateral - really lateral - thinking can prove invaluable. Outside the box, pushing the envelope, blue sky thinking, whatever it takes to see beyond the ordinary and get fresh perspectives on a familiar problem.

Insurance broker Aon recently produced a report examining the feng shui of motoring. Seriously. It suggested a series of steps that would help to make driving a more pleasant, and by extension safer, experience. Others have sought to offer guidance for safety at home and in the workplace. It's all about helping people avoid the need to make a claim in the first place.

And if you want some free motoring advice; treat other road users as your friends, tie a blue ribbon to your sat nav and remove extraneous clutter from inside your car. And always park your car facing away from buildings.