Cover Types
Comprehensive cover is a bundle with edges, not a guarantee of everything
The word describes a wider set of promises than the alternatives, but the exclusions and conditions are the…
· 4 min read
11 articles
Cover Types
The extras sold beside a motor policy are separate contracts with their own rules
Breakdown assistance, legal expenses, courtesy vehicles and excess reimbursement are distinct products…
· 4 min read
Claims
The first call after a collision decides more than most people expect
Almost everything an insurer will ever know about an incident is fixed in the first hour, and the file that…
· 3 min read
Premiums
Paying monthly is a credit agreement wearing the same name as the policy
Instalments split one annual contract into two: the insurance itself, and a loan that funds it, each with…
· 3 min read
Claims
What happens when the other driver has no insurance, or never stops
Most jurisdictions maintain some fund or bureau of last resort for victims of uninsured and untraced…
· 4 min read
Claims
Storage and recovery charges accumulate while nobody is making a decision
A damaged vehicle removed from the roadside starts costing money by the day, and the bill is often the…
· 3 min read
Young Drivers
Learner cover is a separate arrangement, and adding a learner to the family policy is not always the cheap option
A provisional licence holder practising in someone else’s car creates a risk the household policy was not…
· 3 min read
Vehicle Costs
Electric running costs move the bill around rather than removing it
Swapping fuel for electricity changes which line items dominate a running-cost calculation, and several of…
· 3 min read
Vehicle Costs
A car is taxed at four separate moments and only one of them is obvious
Purchase, ownership, energy and insurance are usually taxed by different mechanisms with different…
· 4 min read
Premiums
The person selling you a policy is acting for somebody, and it may not be you
Insurance reaches buyers through several different distribution structures, and the differences between…
· 3 min read
Young Drivers
A cheap first car is written off by damage an expensive one would survive
The decision to repair or settle is a comparison between repair cost and market value, and on a low-value…
· 3 min read