Everyone who drives a car is legally obliged to take out a relevant insurance policy. This isn’t just for your own benefit; it covers you in case someone suffers an injury due to a mistake you made, and so it’s essential you get have the right cover. With that in mind, the post I’ve written and released today will highlight a number of things you might want to check before getting back on the road this evening. All too often I hear horror stories involving people who thought they were covered, only to find out after an accident they were, in fact, breaking the law with their unsuitable insurance.
You should understand that telling the truth to your insurer is paramount, as they create your policy based on the information you give them. While it might be tempting to lie about the amount of miles you cover each year or where your car is kept overnight, this could make the entire policy void, and so you wouldn’t be covered if an accident occurred. This could see you facing criminal charges, which you should obviously try to avoid at all costs.
Check The Mileage On Your Vehicle
Any insurer you receive a quote from will ask to find out about how many miles your car has done in its lifetime. You might get cheaper cover if you answer with a decreased amount, but if anything goes wrong, the insurer is likely to inform you they won’t cover your costs. While you could still work on getting the compensation you are entitled to with a personal injury claim, your insurance provider will refuse to play a part in the proceedings. So, before submitting your information, make sure you head out onto the drive and find out exactly how many miles are showing on the clock.
Double Check The Spec Of Your Vehicle
Little mistakes like claiming your car is slightly less powerful than it really is can also result in your provider refusing to pay out when accidents occur, and so double checking all the information you submit against that written in your log book could make all the difference should the worst happen. The amount of doors, engine size, and output all play a big role here, so be careful not to get it wrong.
Triple Check Your No Claims Period
If you’ve been driving for a number of years, and you’ve never once had an accident, most insurers will be willing to give you a discount on your policy. However, if you overestimate the period of time you’ve been entitled to a no claims bonus and they find out, your cover will immediately be void, and so you need to get this right. At the end of the day, insurers will do everything they can to refrain from paying your costs when you expect them to, and so they’re likely to go through all your information with a fine tooth comb before releasing any money.
Hopefully, now you realise just how important appropriate cover is, and why you need to be extra careful when switching provider this year. I hope nothing bad ever happens to you on the roads, but statistics prove someone’s going to suffer, so you should at least take proper precautions.
Thanks for reading!