Car insurance is one of the most common types of insurance that an insurance company may decide not to pay out on – simply because this has the highest rate of fraud of all the different types of insurance available. Many of us spend a great deal of our time in our cars and do so safe in the knowledge that we are covered by insurance should we have an accident. We may not have caused the accident, but the insurance is still there – or is it? Some claims are refused, and it is worth while knowing just why this may happen. A few reasons why car insurance may be void are:
> Driving in a car that does not have the right insurance band
> Driving a car without a valid MOT
> Driving without a valid licence
> Being the passenger of a driver who has been disqualified
> Being hit by an uninsured driver
> Driving a car which has been modified
When you take out an insurance policy, read the small print – and have it explained to you by a professional. Most car insurance policies are straight-forward, but make sure you answer fully all the questions asked by the insurance company as non-disclosure is also a major reason why your insurers may not pay out in the event of a claim. This is a serious problem with on-line insurance services – they provide tick-box questionnaires and you don't always have the opportunity to explain circumstance unique to you.
By speaking with an expert, you can ensure you have the right policy. For example, some policies provide additional cover if you are involved in an accident with an uninsured driver, but you need professional advice to get the exact policy you require. Contact Westhill Insurance Services who can guide you to the policy which will meet your needs. That way you know you will be insured to the standard you want, with the cover you need. Having the cover you really want may not be as expensive as you think – and since you have to have insurance, surely it makes sense to purchase a policy which will help you stay on the road - legally?
Contact Westhill Insurance Services, today.