It’s important to know what you’re covered for and what you aren’t when considering car insurance policies. Here are 5 insurance exclusions to keep in mind.
1. Driving under the influence
An insurer isn’t likely to cover you if you get behind the wheel with drugs, alcohol over the legal limit or certain prescription medicines in your system.
2. Unapproved modifications
If you’re planning to alter your car’s paintwork, engine, suspension, wheels or body, it’s in your interest to check with your insurer first. Unauthorised modifications may lead to future claims being reduced or refused.
3. Gradual depreciation
Car insurance is usually designed for accidents, so the normal depreciation process isn’t likely to be covered. This can include:
- Rust/corrosion
- Mould
- Mildew
- General wear and tear
4. Restricted and unlicensed drivers
If you have added a restricted driver cover option, (e.g. restricting cover for drivers under 25 years,) you may not be covered if the restricted driver has an accident while driving your car. Similarly, if you let an unlicensed person drive your car, you risk having your claim denied.
5. Overloading your vehicle
By carrying more passengers or load than your car is permitted to, you may put yourself at risk of voiding your car insurance. Towing may be an exception to this, however you’ll need to check with the car’s manufacturer to find out how much you can safely move.
