When Loading Goes Wrong: How Poorly Secured Luggage Increases Risk and Affects Insurance

December brings a rise in heavily packed vehicles across Spain as families travel, visitors arrive, and car boots fill with luggage and festive shopping. Yet poor load management can turn a routine journey into a serious hazard. Unsecured items can fly forward during sudden braking, injuring occupants and worsening the impact of a collision. In such cases, insurers may consider whether careless loading contributed to the severity of the incident.

Excess weight, or weight placed too far to the rear, can also affect steering, braking, and stability — especially in winter conditions. A vehicle that handles unpredictably may raise questions about negligence if an accident occurs. Visibility is another critical factor. Bags placed on the parcel shelf or stacked high in the boot can obstruct the rear window, increasing the likelihood of reversing errors or misjudging distances.

By loading heavy items low, securing loose bags, and ensuring full visibility, drivers reduce risk and keep their insurance protection intact.

You can read more about carrying luggage safely here.