Buy Your Car Insurance

Upon seeing the policy documents of your newly purchased car insurance, you instantly feel secure thinking you are covered for all eventualities. Think twice.

Thoroughly run through each policy document. Passengers over the age of 75 are not included in some insurance policies. Some of the insurance companies do not cover cases wherein your car is stolen because of fraud. A few car insurance companies won’t pay the damage to your car when it was due to a road rage incident. Gap insurance is not usually offered so you would not be able to receive the amount you used to purchase your car.

In a car insurance policy, there are some things left off in the coverage. Many of the exclusions would be extremely frustrating if they happened to you, and you then discovered that you’re not covered by your insurance firm. A number of them are silly. Here are five of the most odd yet common car insurance exclusions : 1. Nuclear Outcome

If Britain was wiped out by a nuclear bomb and you managed to survive, you wouldn’t receive a pay out from your insurer for the damage caused to your car. Not only because the company will be destroyed but it has been a standard practice for situations like this. The same applies if your local nuclear power plant explodes and destroys your car, or if your car is contaminated by radioactive waste: you will not be compensated for the damage caused.

2. Aerial Phenomenon Almost all firms will not cover damaged caused by pressure waves from aircraft travelling. Sonic and supersonic UFOs are also excluded from these policies.

3. Stolen car by envious partner. Car taken without consent by any family member or member of the household is not covered by the insurance policy. It can either by your spouse or partner, your children, your parents or a lodger in your home. This is untrue for cases where the driver reports the incident are prosecutes the person in charge. 4. Earthquakes

Do not forget to review your insurance policy documents for the phrase “acts of God” 5. Blind Drivers

Unsurprisingly, there is not a single insurance firm who will provide cover for drivers who can’t see. Claims for damages caused by blind drivers or who they refer to as “unlicensed drivers” are not covered in most policies. Being unable to get insurance or a licence wasn’t enough to stop one blind person from getting behind the steering wheel. How do you make sure you’ve got the best possible insurance cover for your car? Do not use the price as your main determinant. Research what’s covered and what’s excluded by each company you’re considering. Secondly, if the level of cover you want isn’t available from standard car insurance firms, consider taking out extra insurance, such as gap insurance, from a specialist insurer.

Need to know about online auto insurance? Better check out car insurance quotes.