When it comes to getting car insurance, sometimes things can get confusing and complicated. No matter what type of policy you choose, there is always a list of exclusions, inclusions, and optional add-ons to think about. Furthermore, some types of circumstances may leave a claim invalidated. In order to get a good understanding of your policy and its coverage, you should read through the Product Disclosure Statement of your policy. Read on to find out what is generally not covered by many car insurance providers.
Electrical or Mechanical Breakdowns
It can be frustrating if your car has broken down halfway while you are driving, or if the hood starts smoking, or if you have tried to rev your car multiple times but the engine just will not start. While car insurance policies cover a lot of events related to accidents and natural disasters, a lot of policies do not cover car breakdowns which have resulted from an electrical, mechanical, or structural fault. In the case where something like this happens to a new car, these issues may be covered by your seller under your warranty.
General Wear and Tear
General wear and tear refer to minor issues like tire damage, scratches, mechanical issues, and stains which come with the regular usage of a vehicle. These problems are not covered by car insurance and can be addressed with regular car maintenance, which is a more efficient method of keeping these problems in check. Generally, maintenance work requires due diligence and if the car is in a state where it is deemed unroadworthy, the insurer will not cover the vehicle.
Driving Under the Influence of Alcohol
As you may already know, intoxicated driving is illegal, and the insurer will not cover any accidents that happen while a driver is intoxicated or driving under the influence of alcohol. Drivers with licenses are technically permitted to drive if their blood alcohol percentage is under a certain legal limit. However, drivers should check with their own insurance providers whether it affects their ability to make an insurance claim should an accident arise. Another thing drivers should take note of is any clause related to prescription medication in an insurance policy, especially in the case where the drugs taken are required to be declared in order to retain the license.
Overloaded Cars
Cars generally should only carry the number of passengers it has sufficient seats for. If a driver has overloaded their car beyond the permitted limit, or if items within the car were not secured properly, the car insurance will be voided.
Unlicensed Drivers and Unregistered Vehicles
In the case where the driver has no license, or if the vehicle is not registered, there is no way the car insurance will cover the vehicle or the driver. Sometimes, it is easy to overlook or neglect long-term registrations. Drivers should ensure that they set reminders for themselves and complete all necessary paperwork for their vehicles.
Are you thinking about getting a comprehensive car insurance but are still unsure about what clauses are excluded? K&N Brokerage partners with reliable independent insurance agents and are able to help you with your car insurance.
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