Drivers warned to check motor car insurance cover terms

Drivers have recently been warned to check the terms of their motor car insurance to ensure it meets their motoring needs fully, says one price comparison site.

Popular website recently examined policies from a number of car insurance groups.  They reported that the policies may not be providing the level of cover that customers expect of them.

Some discount car insurance policies neglected to include legal cover or emergency accommodation clauses, the comparison site’s research discovered.  Adding those extras to a customer’s policy was found to potentially lead to an additional £70 added to their car insurance rates annually. also found that insurance policy premiums sometimes varied by as much as £30 per year.  Despite this variance each policy provided the same cover.

The price comparison site’s research findings indicated that a policy from provider Kwik Fit Platinum provided for all categories of cover including legal cover, emergency accommodation and a courtesy car – for a yearly premium of just over £438.  However insurer AXA charges around £331 for similar cover but offers no emergency accommodation and breakdown and legal cover is only available for additional fees.

The website’s car insurance expert, Peter Harrison, stated that checking the small print of any given policy is an essential step in order to ensure customers choose a policy that ticks all the boxes.  He cautioned motorists to consider the extra costs they may incur if they need to pay for additional services such as breakdown cover.

Mr Harrison added that drivers may end up paying over the odds in the long run if they end up having to fork out for added extras. He stated that doing the research to find the right insurance policy at the best price can pay for itself at the end of the day.

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