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Urgent warning to drivers to avoid common auto insurance loopholes that could result in huge bills if something goes wrong

DRIVERS could be forced to pay tempting bills if they don’t avoid common car insurance loopholes.

Which consumer champion? revealed a catalog of sneaky ways car drivers are being charged at odds, including loopholes in covering up personal belongings.

What? has revealed loopholes that could result in motorists being charged higher fees for common problems when they claim insurance.

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What? has revealed loopholes that could result in motorists being charged higher fees for common problems when they claim insurance.Credit: Alamy
Only two policies in one survey protected cash and documents under the cover of personal belongings

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Only two policies in one survey protected cash and documents under the cover of personal belongingsCredit: Alamy

When researchers analyzed 73 insurance factors across 49 policies from 34 insurers, they discovered a number of problems that many drivers face that would go uninsured.

While almost all policies provide personal belongings insurance, which helps drivers replace or repair items damaged or stolen from the vehicle, not all property is covered. consists of.

Only two policies protect cash and documents, and only three credit cards are protected.

Four in 10 policies with personal property insurance do not include cell phones.

Legal expense insurance can provide invaluable access to legal advice and funding, but can also prove to be unprofitable in certain circumstances.

What? found that only a quarter of policies would pay motorists to recover unauthorized clamping or towing fees, while just three in 10 would help address legal costs associated with license plate duplication their.

Almost all policies have some standard provisions for free car insurance.

US INSURANCE LOOPHOLES

However, only one Thursday recommends a temporary replacement vehicle if your vehicle is stolen or written off.

Most policies have options to upgrade this feature to make it more comprehensive, but motorists shouldn’t consider getting full coverage as one.

The rarest feature offered by insurance companies is Make sure to cover for other car drivers.

This type of cover is very useful if, in times of trouble, you need to quickly borrow a friend’s car.

While most policies do? reviewed has a ‘drive other car’ section, which in all but policy of NFU Mutual is not automatically accessible to all contracting parties.

Drivers of a certain age – usually under 25 – are generally excluded from this coverage, as are those in certain occupations.

In more than a third of policies, it applies only to emergencies.

Seven out of 10 policies offer help in the event you fill your gas tank with diesel – or vice versa – but only one in five will assist with both emptying the tank and repairing the engine.

LOWEST Rated AVIVA

Half of the policies do one thing or another.

To find outstanding vendors that can be trusted to provide both quality of service and coverage, the consumer champion surveyed more 1,800 policyholders who have claimed car insurance in the past two years.

Of the 13 companies polled, NFU Mutual topped the table, with customers praising the insurer’s ability to address inquiries and value for money.

Mutual NFU also achieved the highest ratings on 47 of the 73 policy factors? inspected, including warranties of repairs and a guaranteed courtesy car. Its ‘total score’ is 86%.

Other top performers include LV (78%), Saga (78%), and Direct Line (76%).

Admiral (63%), Hastings Direct (65%) and Aviva (66%) scored the lowest overall.

Jenny Ross, which one? The Money editor said: “Our research shows that Drivers run the risk of facing hefty bills when things go wrong because of a large number of policies that don’t cover the problems or assets you might expect.

“Given the high cost of living, this means car problems can be catastrophic for people with low incomes or limited savings.

“We urge drivers to read the small print. If you’re comparing two similarly priced policies, the bills you might wind up making for a car insurance loophole could reduce the amount you pay for the more expensive insurance.

“Anyone unhappy with the way their insurance company handles a claim should always shop around when it’s time to renew.

“You can save hundreds of pounds by switching insurers, while still getting the right coverage for your needs.”

10 Things You’re Less Likely To Insured With Your Car

Policy cov rate

  • Insurance covers driving other cars: only two percent of policies cover this
  • Personal belongings (cash): four percent
  • Personal belongings (documents): four percent
  • Personal belongings (credit cards): six percent
  • Incorrect injection (fuel escape and engine damage): 18%
  • Legal fees (standard): 20%
  • Replacement vehicle (total standard loss): 20%
  • Wrong filling (fuel damage): 20%
  • Temporary replacement for stolen vehicles (as standard): 22%
  • Legal costs – illegal clamping or towing fees: 24%

https://www.thesun.ie/motors/8402729/car-insurance-loopholes-policy-aviva-lv-hastings/ Urgent warning to drivers to avoid common auto insurance loopholes that could result in huge bills if something goes wrong

Fry Electronics Team

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