Unexpected Benefits You May Be Covered For Under Your Car Insurance
Car insurance can be full of surprises – some policies cover more than you’d expect and for once, it might be a nice surprise!
Fuel – Putting the wrong fuel in to your car
It happens more often than you’d think – a quick lapse in concentration and suddenly your diesel car is sipping petrol. A costly mistake!
Many motor insurers won’t cover this kind of distraction but some will, potentially saving you a hefty bill.
Top tip – If it happens – don’t start the engine! Your best bet might be using your breakdown cover or calling a specialist to drain the tank. It could cost less than your insurance excess, so it’s worth checking to see if cover is available under your policy and then look at the options.
Child Car Seats – are they covered?
Parents know all too well that child car seats don’t come cheap. But did you know that after an accident (even if there’s no visible damage) they should be replaced?
Some car insurance companies will cover the cost of a new one if it’s part of a claim for damage or loss to your car. If yours was particularly pricey, it’s worth keeping hold of the receipt, just in case you need to prove its value.
Scams – Would you be covered?
Scammers are getting sneakier and car sellers are a prime target. Whether it’s someone driving off with your car on a test drive or paying with fake cash, fraudsters have plenty of tricks up their sleeves.
While some car insurance policies will cover ‘theft by deception‘, others won’t, so it’s crucial to check your policy details. If you’re selling your car privately, be extra cautious. Using a trusted dealer or requesting payment via direct bank transfer can help you avoid becoming a victim.
Gadgets – What is actually covered?
Your car’s factory fitted tech, like touchscreens and parking cameras, is usually covered under your insurance. But what about removable gadgets like sat navs, dash cams etc.?
Most car insurance companies offer cover under personal possessions and fitted accessories but only up to a certain value, so double-check your policy.
If you regularly carry expensive items in your car, we recommend adding them to your home insurance. However, you should also check your home insurance includes cover for your property away from your home address and includes cover in your personal vehicles. Of course, no matter how well insured you are, don’t leave valuables in plain sight. Take them with you or keep them hidden to avoid attracting unwanted attention. Thieves are always on the lookout!
Policy Wording – We recommend to ALWAYS check this
No two insurers are the same so what’s covered by one might not be covered by another. That’s why it’s always important to check your policy wording – this will outline exactly what’s included in your cover.
If you’re not sure, the team at David J Millers are always on hand to help so get in touch!