Cover Types
Why a motor policy is written around a driver as much as around a car
Two risks are rated at the same time — the vehicle and the people permitted to use it — and most cover…
· 3 min read
16 articles
Young Drivers
Naming a parent as the main driver is fronting, and it can leave a young driver with no cover at all
Describing an experienced relative as the principal user of a car that a new driver actually uses is a…
· 4 min read
Vehicle Costs
Official fuel economy figures and real ones diverge for reasons built into the test
A published consumption figure is the result of a standardised laboratory procedure designed to make models…
· 3 min read
Cover Types
A multi-vehicle policy is one contract wearing several certificates
Grouping the cars in one household under a single arrangement changes the price, the renewal date and the…
· 4 min read
Young Drivers
Graduated licensing rules shape both the risk and the price of a first year
Where a jurisdiction phases in full driving privileges, the restrictions are targeted at the specific…
· 3 min read
Vehicle Costs
Where you park and drive is a running cost that never appears in a brochure
Parking, tolls, emissions zones and road-user charges attach to the place rather than the vehicle, and for…
· 3 min read
Claims
Betterment is the reason a claim can leave you paying towards an improvement
Insurance restores a position rather than upgrading one, so when a worn part is replaced with a new one the…
· 4 min read
Claims
An injury claim runs on a slower clock than the claim for the car
Damage to a vehicle can be measured within days while an injury cannot be valued until its likely course is…
· 4 min read
Vehicle Costs
A notifiable medical condition is a licensing matter first and an insurance matter second
Two separate duties run in parallel when health affects driving, and the one owed to the licensing…
· 4 min read
Cover Types
Property carried in a car is insured under a different promise from the car itself
Personal effects, tools and goods inside a vehicle sit under a short sub-section of the motor policy with…
· 4 min read
Cover Types
Towing puts something behind the car that the policy treats as a separate object
Liability usually extends to a trailer while it is coupled to an insured vehicle, but damage to the trailer…
· 3 min read
Claims
A weather claim is assessed by cause, and the cause decides everything after it
Storm, flood and hail damage is handled by asking what physically happened to the vehicle and in what…
· 4 min read
Claims
Why an ordinary honest claim gets asked strange questions
Every claim passes through a screening layer built to find the small proportion that are dishonest, and the…
· 3 min read
Claims
Your insurer can settle a claim against you whether you agree with it or not
The right to conduct and compromise any claim in your name is one of the standard conditions of a motor…
· 3 min read
Premiums
Injury claims, not damaged cars, are what make motor insurance expensive
The property half of motor insurance is small and quick, while the liability half is slow, uncertain and…
· 3 min read
Young Drivers
Rating tables have steps in them, and the steps are where the temptation lives
Pricing models group drivers, cars and journeys into bands, so a trivial change to an answer can move a…
· 3 min read