There are probably some motorists who are under the impression that if they have fully comprehensive car insurance that they are covered for almost any eventuality. Well, you may wish to read your policy booklet as there are a number of things that may not be covered.
Below we list 8 things that may not be covered by your motor insurance but this may vary between different insurers so you should check the policy booklet for the insurance covering your motor vehicle. Do bear in mind that the following are just some of the things that may not be covered.
1. If you have left your car unlocked and it is damaged or lost having been stolen or attempted to be stolen.
2. If you have left a roof or window open and your car is lost or damaged whilst being stolen or attempted to be stolen.
3. If your tyres are damaged due to bursts, punctures or braking.
4. If you have left your car keys in the vehicle or in close proximity to it and it is stolen or attempted to be stolen and is lost or damaged.
5. If someone who was insured to drive your car under your policy deliberately damaged it you would not be covered.
6. In respect of personal accident benefit, such benefit will not pay out for someone who should have legally been wearing a seat belt but did not do so.
7. In respect of personal accident benefit, no benefit would be paid if the driver was convicted of a drug or alcohol related offence because of the road traffic accident.
8. In respect of personal belongings cover, no benefit would be paid out if someone tried to or did steal personal belongings from the vehicle if the keys had been left in the car, the car was not locked or the windows or roof were down.
So, as you can see, there are a number of things that you are not covered for with your car insurance but there are also many more. Therefore, as previously suggested, spend some time reading your car insurance booklet to make sure you know what you are not covered for.