Car
Insurance Terms and Conditions
Most people will realise
that car insurance comes attached with a
range of terms and conditions. Having a policy does not allow
you to claim under all circumstances possible, and should
you break the terms and conditions given out by your insurer
you may not be eligible should you need to make a claim. Breaking
the terms and conditions can also be documented and used by
other companies in calculating your insurance quote. If you
have broken them in the past you could represent a higher
risk and premiums may be increased. Therefore it is advisable
to be fully aware of the terms and conditions and stick to
them.
Terms and conditions of your
car insurance cover can include (example
only – please check your specific policy for accurate
details):
You should not use your car
for trade or delivery purposes – generally insurers
provide cover for personal use only. ft it is business use
you require then you consult your insurer for that specific
policy type.
All drivers must have a full
United Kingdom Driving licence – this term is simply
common sense. After all it is illegal for anyone to drive
without a full licence, therefore makes perfect sense this
should be a necessary requirement.
Your car must not have been
modified from the manufacturers original specification –
as the car insurance company deals with risk, it assess the
specific risk of your car model and calculates a premium based
upon this (and other) factors. If your car has been modified
the information they are based their assessment is inaccurate
and your car could present more of a risk, or cost or to repair
if making a claim. Therefore this condition is inserted as
part of your car insurance policy.
Drivers should not have a
medical condition which may affect their driving ability.
An example of this would be an epileptic who, due to their
medical condition, may be prone to fits or seizures. Clearly
if this happens whilst driving it could result in a loss of
vehicle control and represent a significant hazard. Once again
this means a greater risk of accident and greater chance the
car insurance will have to pay out should a claim be made.
Therefore excluding such persons from standard cover is necessary.
For such persons sufficient cover can sometimes be found from
a specialist company, or a specialist policy provided. However
insurance premiums can often be greater than for someone without
such a condition.
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