There are a lot of pervasive myths when it comes to car insurance and car insurance companies. A lot of them are born out of simple misunderstandings that then get exaggerated. Others may only apply to the majority of insurance companies but aren’t a hard and fast rule.
Below are some common car insurance myths debunked.
- Personal property in my car is covered
Although your car insurance will cover you for the theft of your vehicle and any damage sustained to it as the result of an accident or a criminal act, any personal property you have in the car is not covered. That’s worth bearing in mind next time you leave your expensive golf clubs in the boot.
- Courtesy cars are standard on car insurance policies
Some insurance policies will include a courtesy car as standard but many others will only offer this service as an optional extra, whilst some won’t offer it at all. If you take an insurance policy out with us at DNA we will supply you with a replacement vehicle if the accident wasn’t your fault.
- I can keep my costs down by becoming a named driver on my parent’s insurance
Becoming a named driver on someone else’s insurance policy means you cannot be the main driver of that vehicle. This is often done by parents to keep insurance costs down for a son or daughter who has just passed their test and is known as ‘fronting’, which can land you with a large fine and six points on your licence. For a young driver this means a ban.
- A speeding ticket will automatically cause my premium to rise
This isn’t always the case and will vary from insurer to insurer. Quite often three points on your licence will have no bearing on your premium, although multiple points may start to see your insurance costs rise.
- I won’t be able to get car insurance if I have a driving conviction
Although many insurance companies won’t insure you if you have a conviction for a driving offence like drink driving that doesn’t mean you can’t get insured. At DNA Insurance we offer insurance to drivers with criminal or motoring convictions.
There are a lot more myths concerning car insurance but like so many things in life it pays not to believe everything you hear and take the time do a your own research. You never know, you might be pleasantly surprised.
If you have a motoring conviction or have been banned from driving in the past, visit our Convicted Driver Insurance page to see how we can help you get back on the road. Alternatively give one of our friendly team a call on 03445 732400.