Myths and truths, car insurance in the UK


Myth 1: Third-party cover is often much cheaper than Comprehensive cover.

Truth: Nowadays, thanks to competition between insurance companies, Comprehensive cover and Third-party cover prices are almost equalised. The choice is yours, but don't forget that when you buy Comprehensive cover, you get your car insurance in addition to everything else.

Myth 2: The price of insurance won't increase if I don't have accidents.

Truth: Insurance companies can raise your insurance even if you're the most careful driver. Just like the joke: It can't be explained, you have to remember it.

Myth 3: I won't have to make an Excess payment if the accident was the other driver's fault.

Truth: In cases where you are involved in an accident with an uninsured driver or, the at-fault party has fled the scene of the accident, your car will only be repaired after you pay Excess.

Myth 4: Comprehensive cover allows you to drive any car.

Truth: This option used to be standard but is now increasingly rare. Be sure to check your policy for this option. And don't forget that if you drive someone else's car, your insurance level is downgraded to Third-party cover.

Myth 5: Young drivers are better off taking out insurance in their parents' names.

Truth: "Fronting", taking out insurance in someone else's name to include an adult to get cheap insurance, is illegal. The insurance holder (Main Policyholder) must be the primary driver.

Myth 6: I don't need to insure my car if I don't drive it.

Truth: Since the introduction of Continuous Insurance Enforcement in the UK in 2011 (CIE), all vehicles must be insured unless the owner has submitted a Statutory Off Road Notification (SORN) to the DVLA.

Myth 7: If you've been insured with the same insurance company for a long time, the cost of your insurance goes down.

Truth: In auto insurance, loyalty doesn't always pay off. Don't be lazy to check other companies' offers. In most cases, you'll be surprised that your loyalty to your current insurance company is not valued in any way.

Myth 8: I can do deliveries using my car because I have insurance.

Truth: Having an insurance policy won't protect you if you're employed or using your car for business. Make sure your insurance takes this into account. Making deliveries of goods and food, if not covered by your insurance, will automatically result in cancellation.

Myth 9: My credit score has no effect on the cost of insurance.

Truth: If you choose to pay monthly, you will automatically be subject to a credit check. It's important for insurers to know how you handle your finances to eliminate the risk of not making monthly payments.

Myth 10: My insurance will help me with compensation for my injuries after an accident.

Truth: Insurance companies in the UK don't provide a service for personal injury compensation. It's simply not covered by their line of business.

And if you have been contacted by solicitors on behalf of your insurance, don't even question it - it's a scheme! Your insurance company has passed on your details to the solicitors associated with them. Doesn't even sound good!

If you have been involved in a car accident and want compensation for your injuries and financial losses - seek the services of companies or lawyers who specialise in this area.

Our company has been protecting the interests of our clients for 12 years, which is much longer than some solicitors providing a similar service. During this time we have accumulated invaluable experience and have taken a worthy place in this segment of the market. We are knowledgeable and use all the tools to optimise the claim processes, allowing our clients to receive maximum compensation.


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    The time depends on the complexity of the case and the willingness of the parties to cooperate, but on average the process takes several months.

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    You will need medical reports, eyewitness accounts, photographs from the scene and any documents confirming the circumstances of the incident, as well as other expenses and losses.

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    The amount of compensation depends on many factors, including the extent of your injury, medical expenses and lost income. Our experts will help you estimate the possible amount.

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