Most common questions about car insurance claims
Filing an insurance claim isn’t something anyone wants to be doing, but sadly accidents do happen when people are out on the road.
So, as you start 2019 it’s important to have all the information information about making a car insurance claim in case you ever need it.
By avoiding some of these common pitfalls when making a claim, you’ll ensure that you’re better positioned to be fully compensated if you encounter an incident whilst driving.
1 I installed a tracker in my vehicle, so why was my claim refused on the basis that my car didn’t meet security requirements?
You should remember that not all tracking devices are equal to each other. Certain insurers might ask for you to use specific models of tracker, because there is variation in how well they work.
Whereas some of these devices track speed, others might be optimised to look for impact or to locate the vehicle they track.
It is important too to always make sure that your tracking device is in good working order.
2 Why has my car insurance been cancelled due to multiple claims?
It is important to understand that your insurance contract is priced and sold to you based on lots of factors about you and your driving. People have different levels of risk — this is why young drivers are charged the most for their premiums, as they are more likely to be in accidents.
Multiple claims suggests to an insurer that you are a riskier driver and therefore they might charge you more or decide they don’t want to offer you cover.
3 Why has my claim been cancelled due to non-disclosure?
Insurers won’t accept claimants who don’t disclose all the details of an incident. It’s important that you give your insurance firm as much information as you can, including photos of any damage done to your vehicle.
Not disclosing all the required information both when you initially buy your cover, and when you make any claims, can mean you miss out on compensation, and you might even have your cover cancelled.
4 What is a regular driver?
For most insurance policies, vehicles are only insured based on who is driving the car. This is how they decide the level of risk — a driver over 35 will have a different level of risk to that of someone aged 19.
So, while there is scope for cover if you are lending your car to someone, for the most part there should be one main driver of your vehicle.
This means that you need to tell your insurer who is driving the car most regularly — be that yourself or someone else.
If it is found that your car is being driven by someone other than the regular driver, this will impact your insurer’s view of any claims you make. If you try to claim for an incident that happened whilst you were lending your car to someone else, for example, then the insurer will probably refuse your claim.
5 Why is my compensation less than the amount I am insured for?
Sometimes your compensation won’t match the amount you’re insured for. Policies don’t usually provide cover for the purchase price of the vehicle, instead they take into account the depreciation of the car’s value over time.
This means that your car is insured for its retail or market value as opposed to what you bought it for. You should be aware of this before making a claim so you’re not caught off guard.
As well as keeping these tips in mind, you should check that you have the right car insurance policy for you by using a price comparison site like A Spokesman Said to look at all the options available. This way, you can have all the information both when you buy your policy and when you make a claim.
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Last year 65% of customers didn't switch their car insurance to try and get a better deal.