Car Insurance Questions And Answers

Question
On my insurance, do I have to be limited to a certain mileage?

Answer
Uk drivers on average do just over 8,000 miles a year. You may find your insurance only covers you up to, say, 5,000 miles.

Question
What other strings are attached?

Answer
If you are classed as an inexperienced or young driver, or If your personal belongings get lost or damaged. some companies may make you pay a bigger contribution towards the cost of a claim. This contribution is known as an excess.

Question
How much is the compulsory excess?

Answer
An excess is the amount you have to pay when you make a claim. Typically. it could be £I00 but many insurance companies increase this to drive down the price of their policy. You have to pay this on top of any voluntary excess you agree to pay.

Question
What is the limit for legal and medical expenses?

Answer
The legal protection and medical expenses cover will be different for different insurance companies. and it can also vary according to your situation. You should make sure that it meets your needs.

Question
In case of an accident, would I get a courtesy or replacement car?

Answer
A courtesy car or replacement car while your car is being repaired or sorted out. may not be a standard feature with your policy. as not every insurer automatically gives this benefit. Some companies offer it as an optional extra. If you find it necessary to take money out for a hire car, say at around £120 a week, and if your car is going to be off the road for a while. this can add up quite quickly. With some insurance companies, provision of courtesy cars are subject to availability. Some companies do offer cars that come straight from the garage, in which case you don not have to pay anything for it. Ifyour car is off the road after an accident or if it has been written off or stolen, for this kind of eventuality, you may wish to check out the companies that give you a courtesy or replacement hire car as a standard part of the insurance package for as long as you need it.

Question
Am I covered for driving in Europe?

Answer
Some insurers exclude certain countries or drop your cover to the legal minimum -i.e. third-party only cover -as soon as you reach Europe. While in Europe, If you have an accident and your car is damaged, you may have to pay for the repairs out of your own pocket.

If you want fully comprehensive insurance for Europe, you may have to payextra. It really depends on your likelihood of needing the insurance cover in Europe. Ifyou only travel occasionally there and are not likely to take your car, then you may wish to reduce your premium by opting out of European cover. On the other hand, ifyou travel extensively in Europe and take your car there regularly, you may wish to find out companies that automatically provide the same level of cover throughout the EU and associated countries as they provide within
Britain.