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Navigating the complexities of car insurance can be daunting, with a plethora of companies and policies to choose from. Yet, there are several misconceptions that frequently mislead consumers, which we’re here to clarify:

“Fully comprehensive insurance means I’m covered to drive any car with the owner’s permission”

A widespread misconception is that a fully comprehensive policy allows you to drive any car, given the owner’s consent. However, most policies offer this benefit under specific conditions, if at all. Typically, when such coverage is included, it extends only third-party protection, leaving you responsible for damages to the vehicle you’re driving.

“Accepting gas money for rides to work could void my insurance”

Your insurance remains valid when accepting gas money for commuting rides, provided it’s not for profit. Insurance usually covers social, domestic, and pleasure use, including commuting. However, using your car for work-related travel beyond commuting requires additional coverage.

“Filing a claim for a broken windshield will affect my no-claims bonus”

Claiming for windshield damage alone generally does not affect your no-claims bonus, though you’ll need to cover the excess fee specified in your policy.

“Insuring my car under a more experienced driver’s name saves money”

This strategy, known as fronting, is something insurers are now actively looking out for, asking detailed questions about the household’s cars and their primary drivers. Dishonesty in this regard can invalidate your insurance.

“I won’t need to pay an excess if the accident wasn’t my fault or if my car was stolen”

An excess is an agreed upon amount you pay towards any claim, irrespective of fault. You might recover your excess for non-fault accidents if your insurer successfully recoups costs from the other party’s insurer.

“If my car is burglarised, I can claim for the total value of stolen personal items”

Unfortunately, insurance policies typically cap reimbursement for stolen personal effects at around £100 to £150. It’s best to avoid leaving valuable items in your car.

These six points aim to clear up some common misunderstandings about car insurance, offering insight for when you’re renewing your policy or seeking a new one after selling your old vehicle with our straightforward, complimentary app.

HonkHonk connects you directly with a vast network of reputable car dealers, facilitating the sale of any car you wish to part with. For more details on how we can enhance the value you get when you decide to “sell my car,” visit our website.