What does comprehensive insurance not cover?

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What does comprehensive insurance not cover?

These exclusions will probably be found in the small print of your policy. In general, most people don't read the small print on their policy documents. So we are going to highlight some of the most common exclusions that you will find.

1. Remember you will have to pay the first part of any claim.  This is called the excess.

2. Always check that there if there is a loss of use clause in the small print. Do you get a hire car while they are repairing your car?

3. If you have a new car and it is written off, providing it is within the first 12 months, the insurance company should replace the car with new for old.

4. Be particularly careful when buying a second hand car to ensure that you have the full registration documentation before trying to insure it. There have been a number of cases where a car has been stolen by the vendor shortly after the sale, resulting in the purchaser having no record of the transaction, and losing the cash they have just paid for it.

5. Remember that most insurance companies will not cover your car for depreciation when it has been in an accident. If you are getting a high value car on a finance package, we recommend that you take out This will cover the difference in the amounts your insurance company will pay you, and the amount outstanding on credit.

6. A lot of insurance companies do not insure your audio and communication equipment. If they do, cover can be very limited. If you have an expensive car stereo system, make sure it is fully protected.

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