Cover Types
Driving someone else’s car on your own policy is the narrowest promise in motor insurance
The driving other cars extension, where it still exists at all, is liability only, hedged with conditions…
· 4 min read
Cover Types
Taking a car across a border changes the cover before it changes anything else
A motor policy is written for a defined territory, and outside it cover frequently drops to whatever the…
· 3 min read
Cover Types
Glass is handled separately inside a motor policy because it breaks so often
Windscreen damage is frequent, cheap and usually nobody’s fault, which is why it carries its own excess…
· 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
The accident benefits inside a motor policy pay a fixed sum rather than a loss
Personal accident and medical expenses sections work on a benefit basis instead of an indemnity one, which…
· 3 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
Cover Types
When a garage or a valet has your car, your policy is usually not the one at work
A business that takes a vehicle into its custody normally carries its own road risks and custody cover…
· 3 min read
Cover Types
When two policies cover the same loss, the insurers settle it between themselves
Overlapping cover is ordinary rather than exceptional, but the rule against profiting from a loss means…
· 3 min read