{"id":6852,"date":"2011-08-19T22:36:08","date_gmt":"2011-08-19T22:36:08","guid":{"rendered":"https:\/\/www.diaryofanadi.co.uk\/?p=6852"},"modified":"2011-08-19T22:36:08","modified_gmt":"2011-08-19T22:36:08","slug":"the-correct-insurance-cover","status":"publish","type":"post","link":"https:\/\/diaryofanadi.co.uk\/?p=6852","title":{"rendered":"The Correct Insurance Cover"},"content":{"rendered":"

An interesting article on the AutomotiveBlog<\/a> about insurance cover. The recession is apparently pushing a lot of drivers into trying to cut insurance costs – without realising that it means they’re not covered.<\/p>\n

Personally, I think that’s being a bit generous – a lot of them know full well that what they’re doing is illegal, but they still do it (to be fair, a point that is made in the article a little later).<\/p>\n

The most interesting bit, though, is the “Top Misconceptions” list at the end:<\/p>\n

\n

Myth: <\/strong>You\u2019re automatically insured to drive other cars if you have a comprehensive policy.<\/p>\n

Truth: <\/strong>This is not always the case, as it can depend on your age or occupation. It is always best to check your policy beforehand.<\/p>\n

\n

Myth:<\/strong> You\u2019re fully covered with a comprehensive policy if you have an accident whilst driving another person\u2019s car.<\/p>\n

Truth:<\/strong> A comprehensive policy will often only cover the damage to the car or object you hit, not the damage to the car you are driving. Always check the level of insurance your policy provides.<\/p>\n

\n

Myth: <\/strong>Third-party cover is cheaper than comprehensive.
\n
\nTruth:<\/strong> Not true. Some insurers have raised rates for third-party because of the number of high-risk drivers who apply.<\/p>\n

\n

Myth:<\/strong> Non-fault claims won\u2019t affect your insurance premium.<\/p>\n

Truth: <\/strong>Even if you didn\u2019t cause the accident, your premium can still rise.<\/p>\n

\n

Myth:<\/strong> You don\u2019t need to inform your insurance company if you have less than six points on your licence.<\/p>\n

Truth:<\/strong> All points have to be declared, even for previous offences, regardless of how long ago. <\/p>\n

\n

Myth:<\/strong> You\u2019re always guaranteed a courtesy car if you have an accident.<\/p>\n

Truth:<\/strong> Not true. These are normally subject to availability, and in most cases only offered if your car is repairable and taken to the insurer\u2019s approved repairer. \n<\/p><\/blockquote>\n

That one about 3rd party insurance not being cheaper should be an eye-opener to a lot of people.<\/p>\n","protected":false},"excerpt":{"rendered":"

An interesting article on the AutomotiveBlog about insurance cover. The recession is apparently pushing a lot of drivers into trying to cut insurance costs – without realising that it means they’re not covered. Personally, I think that’s being a bit generous – a lot of them know full well that what they’re doing is illegal, […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[80,87],"tags":[],"class_list":["post-6852","post","type-post","status-publish","format-standard","hentry","category-adi-related","category-news"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t