What damage does car insurance not cover?

A person holding an autumn leaf with a car in the background

When we take out our car insurance we hope that we will never have to actually claim against it. We have it because firstly, it is the law, but also so that in the event of an accident we know that we can get financial help towards repairing the damage to our vehicle and also financial help for any injuries that are sustained. 

It’s a common misconception that if you have comprehensive car insurance then every type of damage is covered as standard. However, this isn’t always the case. There are many things that are not covered although some of these things you can add onto your policy for an extra fee. 

Although comprehensive car insurance does give the most amount of coverage it is imperative that you are honest with them when taking out your policy to ensure that you get the best level of coverage that is right for your circumstances.

Third party insurance

Before we cover comprehensive insurance lets make a quick note about third party and third party fire and theft. With these two types of insurance you will never be able to claim against your insurance for any damage to your own vehicle or injury to yourself in the event of an accident.

This level of cover is purely so in the event of an accident, the damage and injury to other people and their vehicles is covered. With third party – fire & theft you are covered from both accidental fire and arson and as the name suggests, if your car is stolen. 

This is a very basic level of cover and is the minimum coverage you need to legally be able to drive your car. These policies tend to attract higher risk drivers so isn’t always the cheapest option as you many believe. 

Comprehensive Car Insurance 

This is the highest level of coverage you can obtain and is popular with most drivers as it offers the most peace of mind, especially if you drive regularly.

With this type of insurance you are covered for – 

  • Damage to your own vehicle.
  • Injury to yourself and your passengers.
  • Damage to another person’s vehicle or property. 
  • Injury to other people. 
  • Fire damage.
  • Theft.
  • Chips/scratches.
  • Malicious damage. 
  • Accidental damages. 

There are also many things that are not covered as standard but you can sometimes add these onto your policy. By adding these you will be increasing your premiums so it is always best to weigh up whether you do really need them. 

  • Breakdown cover – This will cover the cost of calling out a mechanic in the event that you break down.
  • Courtesy car – This will give you a replacement car while yours is being repaired. 
  • Personal accident cover – This will pay out a lump sum if you are injured or killed in a road accident. 
  • Motor legal protection – This will help cover any legal fees that result from an accident. 
  • Windscreen cover – This will pay for any repairs to a cracked or chipped windscreen. 
  • Car key cover – This will pay for replacement keys in the event that yours are lost, stolen or damaged. 
  • Personal belongings cover – This will protect your belongings if they are stolen from your car.
  • No Claims discount cover – This protects your no claims bonus allowing you to make a certain number of claims before it affects your premium. 

Even with the best insurance, there are just some things that are not covered no matter how much you are willing to pay! These include – 

  • General Wear & Tear – Cars need regular maintenance. There is always a tyre that needs replacing or a break disk that is worn down. These types of repairs are called general wear and tear and are not covered on your insurance. 
  • Terror Attacks – Any damage to your vehicle caused by war, terror attacks, invasion, civil war, rebellion or foreign enemy action. 
  • Wrong Fuel – It’s an easy mistake to make but putting the wrong fuel into your car can be a costly error. Most insurance companies will not cover the cost of having to drain and clean your fuel tank. 
  • Personalised Number Plates – Most insurance companies will not insure a personalised number plate and in the event that it is stolen or an insurer scraps a car with a personalised plate, they will not pay for a replacement. 
  • Modified Cars – Most insurers will not pay for the replacement of non standard, modified car parts. This can include adding a turbo to your engine, removing seats and fitting uprated brakes. 
  • Fronting – If you try to reduce the cost of your insurance by naming the main driver of the car as a named driver this is called Fronting and is insurance fraud. If you are found to be guilty of this your insurance will not pay out for any damages resulting from an accident. 
  • Using your car for business – When you take out your policy you will be asked what you are using your vehicle for. 
  • Social and commuting.
  • Business.

Premiums for business car insurance tend to be higher. If you are found to be using your car for business purposes but have not declared this the chances are your insurer will not pay out for any damages.  

Track racing

If your car is damaged during a track or racing event your insurance will be void. Although you are able to obtain track day cover which will come at a higher premium and excess, this is to take into account the higher risk of damage whilst racing.

Although comprehensive car insurance does give the most amount of coverage it is imperative that you are honest with them when taking out your policy to ensure that you get the best level of coverage that is right for your circumstances. 

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