Auto Insurance Questions & Answers

Auto Insurance  

(Do not hesitate to call an insurance agent for additional information or questions not listed below.  

Does my car insurance cover me to use my car for business use?

Social, domestic and pleasure use allows you to drive to one set place of work. This is automatically included in your car insurance policy unless stated otherwise. If you do need to use your car for business use, you will need to add extra cover onto your policy.

Are additional drivers on my car insurance policy insured to drive other cars?

No, but depending on the level of cover chosen the policyholder may be able to drive other cars at third party cover (with owner’s permission).

When my car is in the garage for a service, does my car insurance cover me to drive the garage’s courtesy car?

Yes, you will have exactly the same cover on the courtesy car as you do on your own policy.

What are legal expenses and what do they cover?

Legal expenses mean that if there was a motor prosecution, or a court case resulting from an accident, claim etc. you will be provided with legal representation to fight your case for you.

What is accidental damage cover?

Accidental damage is covered on comprehensive policies. This covers you for damage to your car as well as the third party’s vehicle after an accident. 

What is personal accident cover?

Dependent on your policy, personal accident cover will usually pay out if you or your spouse / partner are accidentally injured in any car or getting into or out of any car, and within 90 days, independently of any other cause, if the injury results in:

  • Death;
  • Permanent loss of any limb above the wrist or ankle; or
  • Complete and irrecoverable loss of sight in one or both eyes. 

Can I choose the level of car insurance cover I want?

Yes. You ultimately have the decision to choose what is good for you.  Your agent will provide you with more information on the different levels of car insurance cover. And make personal a recommendation according to your specific needs.

Does my glass coverage cover just the windshield , or other glass on my car?

Yes, all glass is covered – including sunroofs and glass roofs.

 

Do I have towing or will I have to pay for a tow truck? 

             Ask your agent – for a nominal fee to your policy it is recommended. You may have to pay and then submit a reimbursement – check with your agent. 

Are child seats replaced after an accident?

Yes, if you have a child car seat in your car and your car is involved in an accident that results in impact damage to your car, will replace the child seat with a new one of the same quality, even if it doesn’t appear to be damaged.

If my car has an alarm, immobilizer or GPS Tracker fitted, does it affect the price of my insurance policy?

A discount may be provided for additional security at present. Check with your agent for details. 

Does my car insurance cover me to drive other vehicles?

Depending on the level of car insurance cover you have chosen, you may be able to drive other cars at third party cover (with the owner’s permission). You will need to check this on your insurance policy documents.

How do I make a claim on my car insurance?

To make a car insurance claim, call your agent and the adviser will give you further information of what to do. You can find more information about making a claim on your car insurance in the claims section.

How soon do I need to report an incident to the police?

Inform the Police as soon as possible and at least within 24 hours if your car or its contents are stolen and provide them with the police report number.

Do I have to pay the excess towards a Third Party claim?

No, you only need to pay the excess towards your own repairs.

Am I entitled to a Courtesy Car?

If you have a Comprehensive or Third Party Fire & Theft policy you are entitled to a guaranteed courtesy car subject to using  selected repairer.

Can I use my own garage to repair my car?

You can use your own choice of garage, however  cannot guarantee to provide a temporary replacement vehicle if you do not use one of their selected repairers.

Are factory fitted options classed as modifications to my car?

Factory fitted options are (not) classified as modifications. A modification is anything made after the car leaves the factory that alters the standard specification or the appearance of the car.

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