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Top Ten Car Insurance Facts |
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- You are legally required to
be covered by motor insurance under the Road Traffic Act.
- Motor insurance at its most basic level will protect you for liability
for injuries to other people and damage to other people's property.
- If you use your vehicle to commute to work then you will need specialised
cover to protect you for this. Furthermore, if you use your vehicle in order to
visit clients in connection with your business then you will need a commercial
car insurance policy.
- Motorists convicted for drink driving offences will experience premium
increases of at least 100%.
- If you do not look after your vehicle appropriately, keeping it in a
roadworthy condition, then your insurer is within their rights to withhold a payment
for a claim.
- If you carry passengers who give you money to help you with your motoring
costs then your car insurance will not be affected. If, however, you make a profit
from carrying passengers or if transporting people is your business then you will
need an insurance policy to cover you for commercial purposes.
- For an added fee, most car insurance companies will allow you to protect
your valuable no claims bonus. This way you can have a limited number of claims
and still leave your NCB intact.
- If you lie on your car insurance application form, withhold information
or fail to keep your insurance company up to date with any changes to your situation
or details then you risk invalidating your policy and any claims you might make
will not be met.
- All UK car insurance policies will cover drivers abroad in EU countries
for the minimum level required. You might, however, require an extended level
of cover, so be sure to contact your insurers well before your trip to discuss
your needs.
- You must contact your insurer if you are ever involved in accident, even
if do not intend to make a claim. Your policy agreement obliges you to do so.
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