Car
Insurance FAQ's
What
is Excess?
Excess
is the contributory amount you pay when you make a claim,
but if the claim is found to not be your fault, it is sometimes
possible to recover this excess from the party found to be
at fault.
I
am named on another car insurance policy, am I entitled to
no claim discount?
Most
insurers will only reward the policy holder with no claim
discount. But if you have been claim free some insurers may
be able to give you an introductory discount. Young drivers
can sometimes receive a discount if they have completed the
Pass Plus course.
If I have an Accident, what Happens?
This
will depend on your car insurance cover, some insurers can
arrange for your vehicle to be recovered and you and your
passengers can be taken home or to your destination in safety.
How do I Make a claim?
You
should contact your insurance company where details of the
accident will be and most insurers will sort out your problem
immediately. There can be forms to fill in but you will usually
be informed whether your car insurance policy covers you for
the incident, what you have to pay and the steps involved
in your insurance claim being settled.
Can I Still Drive while my car is being repaired?
Some
insurance policies provide a courtesy car and this is usually
available for the duration of any repairs to your vehicle.
If your car is stolen or a total loss then most insurers will
guarantee a hire car until an offer is made to settle the
insurance claim.
What Does Legal Cover Mean?
Legal
Cover usually provides legal advice via a helpline. Legal
cover can provide assistance to recover uninsured losses (such
as your excess), medical losses or loss of earnings. Legal
costs to pursue a case after a motoring accident, and up to
cover to defend against any motoring prosecutions (this usually
excludes drink and drug-related offences).
Can I drive abroad with my car insurance policy?
These
days car insurance policies usually cover you to drive in
any country which are members of the European Union, to the
minimum level of insurance required (normally third party
only). If you need a higher level of cover insurers can offer
you additional cover.
Can I protect my No Claim Discount?
With
most insurers you can protect your no claim. This means that
if your car is stolen, or you have no other party to claim
against, you will not have to lose your no claim discount
as well.
Do I need business use insurance to drive to work?
Under
most insurance policies you can drive your vehicle back and
forth to work using social, domestic and commuting purposes.
Insurers can increase your cover if you need to use your vehicle
to visit any other sites of business during your working day.
This usually does not cover any goods or samples carried in
connection with business use.
What should I do if I need to make a change to my insurance?
Contact
your current insurer and they will make the changes and send
you the updated documentation.
What changes do I need to tell my insurance company about?
You
must tell changes in your name, address, mileage, modifications
to your car and driving convictions.
If I leave my keys in the car am I not covered on by my car
insurance?
In
most cases that is correct. If you leave your keys in your
car even if it is only to pop down the shops or drop off a
letter and your car is stolen, your car will not be covered.
Remember always to take your car keys with you or make sure
someone stays with the car.
My son is driving. What is the best way to insure him?
It
is best to insure young drivers on their own policies. They
will collect their own no-claim bonus which will help lower
their insurance premiums. Most insurance companies now offer
a young driver policy. Parents quite often insure their children
as secondary drivers on their own insurance policy when actually
the child is the main driver of the car. Parents think this
is the cheapest way to get their children on the road but
often this isn't the cheapest way and if insurance companies
find out that the young driver is the main driver they may
not pay out on an insurance claim. This is because information
you have provided is incorrect and the insurance therefore
becomes invalid.
I have a maximum no claim discount and I have bought a second
car, can I add my no claim bonus to both cars?
No,
you must earn another set of no claim bonus for your second
vehicle. But some insurers can give you an introductory discount
equivalent to the no claim bonus that they hold.
Can I drive other people's cars under my own car insurance?
No,
you and any named drivers are only insured to drive vehicles
identified on your Certificate of Motor Insurance or your
Insurance Schedule, which should be kept with your car insurance
certificate.
You can add an additional temporary car or an additional driver
to your insurance contact your insurance company and they
can arrange for a car or driver to be added to your car insurance
subject to normal restrictions. They will then send you an
amended insurance schedule showing the additional car or driver
details.
Can I insure my car for driving abroad?
Normally
If you pay an extra premium, your insurance can be extended
to provide the same level of cover in the EU and some other
European countries. If you want to extend your insurance,
you must contact your insurer in plenty of time and they will
provide the documents.
I am taking my car off the road - do I still have to pay my
insurance premium?
If
your car is not used for a continuous period, and this is
not as a result of any loss or damage covered by insurance,
insurance companies may suspend your cover and refund part
of your premium for the laid-up period.
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