Flow Car Insurance Coverage Options: What Is Not Covered?
Section 1: Damage to your car ( Coverage Options)
Accidental Damage or Vandalism:
If your car or its accessories get damaged due to an accident or vandalism (even if it’s in your garage), your car insurance will take care of it in one of these ways:
Wrong Fuel:
If you accidentally put the wrong fuel in your car, your insurance will pay to fix the damage to the engine and drain/flush the fuel tank. You’ll only need to pay your excess (deductible).
Uninsured Driver Accident:
If you’re hit by an uninsured driver and it’s not your fault, you won’t lose your no-claims discount or pay any excess. Just provide the details of the other driver/vehicle. However, if fault can’t be immediately confirmed, you may need to pay the excess initially, but it will be refunded once the uninsured driver is confirmed to be at fault.
Vandalism:
If your car is vandalized, report it to the police first and get a crime reference number. You’ll need to pay your excess, but you won’t lose your no-claims discount.
In summary, your insurance covers accidental damage, wrong fuel incidents, uninsured driver accidents (when not at fault), and vandalism, with some conditions regarding excess payments and no-claims discounts.
Section 2 Fire and theft ( What’s covered?)
Here’s an easy explanation of what’s covered under your car insurance policy for fire, theft, and other incidents:
Fire, Lightning, Explosion:
If your car or its accessories are lost or damaged by fire, lightning, or an explosion (even if it happens in your garage), your insurance will take care of it in one of these ways:
Theft or Attempted Theft:
If your car or its accessories are stolen or damaged due to a theft attempt, your insurance will cover it in one of these ways:
What isn’t covered under sections 1 and 2?
Theft/Attempted Theft Exclusions:
Wear and Tear
Failures & Breakdowns
Mechanical, electrical, electronic, and computer failures/breakdowns
Tire damage from braking, punctures, cuts or bursts
Parts & Accessories