How understanding car insurance myths could save you thousands

Car cover is the most widely held form of insurance there is, and often the most misunderstood

Every year many motorists discover that what they innocently assumed would be covered isn’t, or that a little white lie when they opened a policy to keep the cost down becomes a major problem.

10 most common car cover myths

It’s been recently revealed 10 of the most common motor insurance misunderstandings and myths. Understanding them should help ensure you don’t make the same mistakes:

Claiming for stolen possessions

Most drivers assume that if their expensive £1,200 laptop were stolen in a smash and grab while their car is parked on the street, they could claim for the full amount. However, most policies will only allow a maximum claim for possessions of around £150 (excluding stereos).

Misdemeanours while not in your main vehicle

If you drive a company van while at work, or a motorcycle as a bit of fun, and receive points, or are convicted of any motoring offence, you must tell the insurer for your main domestically used vehicles; not doing so could totally invalidate your cover, and you might possibly be convicted of a criminal offence.

It doesn’t matter if my MOT is out of date

The rules regarding MOTs vary from insurer to insurer. Some only state that your car needs to be roadworthy, while others insist that the MOT must not be out of date. Check with your insurer for their policy on this.

Smashed windows and your no claims bonus

If you claim for a smashed window, it rarely has an effect on your no claims bonus as it’s such a common problem. However, you will still have to pay the excess.

Charging petrol money for lifts to work

It’s a myth that by charging someone for their share of the petrol costs on a daily basis will invalidate your cover. It’s only if it can be proved you’ve made a profit from any such arrangement that it could affect your cover.

Buying ‘comprehensive’ cover means I’m covered to drive any car

In most cases, taking out a fully comprehensive policy doesn’t necessarily mean you’re automatically covered to drive any car. You need to arrange this separately and usually need special circumstances (e.g. you’re a self-employed mechanic).

A driving conviction will exclude me

If you’ve been convicted of drink-driving, or a serious speeding offence, for example, you might have to pay more for your cover when your driving ban finishes, but you should still be able to buy cover.

The excess is waved if an accident is not your fault

Even if an accident wasn’t your fault, you’ll still initially have to pay any excess on the claim you make to your insurer for damages. You’ll possibly only get it back if the third party involved pays up, or at least their insurer does.

Putting cover in someone else’s name

Some people try and save money if there’s an older, more experienced driver in a household by taking out cover in their name, with themselves only as a named driver on a policy. However, insurers are extremely aware of this trick and you could end up with invalid cover and in serious trouble.

A car can be insured with more than one insurer

This might be possible if, for example, your insurer insists on all drivers being over 25, and a younger family member aged 20 needs cover. Whatever the circumstance, it’s nearly always wise to avoid double insurance however as claiming can then be tricky; each insurer may try and claim it’s the other’s responsibility to deal with a claim.

Policy Expert

The customer service team at Policy Expert is always on hand to help – either online or over the phone. Whether you want assistance in finding the right policy or even handling a claim, we make sure it’s all handled by experts. For more information on what‘s covered under your policy speak to one of our experts on 0330 0600 600 or email

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