What your online UK private car policy may exclude

No matter whether you have a policy with an online car insurance company in the UK or a high street insurer, your policy will contain exclusions.

Even if you have fully comprehensive cover there are situations and events that your car insurance company will not provide cover for. Here are a few examples of exclusions that you should look out for:

  • Are you liable to pay an excess for every claim that you make?

  • Under what circumstances will you receive a no claims bonus?

  • Do you have to pay for the car to be recovered to a garage following an accident?

  • Do you get a complimentary hire car while your car is being repaired?

  • If you have a new car that is written off within the first 12 months of ownership, does the insurance company replace the car new for old?

If you are buying a car on finance, does your regular policy insure your car for depreciation in the event of an accident, or do you need to take out gap insurance with the company providing finance to cover the amount of outstanding credit?

Is your audio and communication equipment, such as your car stereo and satellite navigation system, insured?

Online car insurance UK
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