Experts warn of gaping holes in motor car insurance cover

Cheap car insurance experts have recently warned that there could be thousands of British motorists with gaping holes in their fully comprehensive motor car insurance cover.

According to newly released research findings by car insurance comparison giant Moneysupermarket, many insurance policies that purport to provide peace of mind will not automatically offer breakdown cover or a courtesy car, or include legal cover if a motorist is involved in an accident.

In one example discovered by the car insurance price comparison site, a quote from Swiftcover for the 40 year old male driver of a Ford Focus included additional fees of £39.99 for breakdown cover, £26.99 for legal cover, and £19.99 for a courtesy car.  Moneysupermarket car insurance expert, Peter Harrison, commented on the findings, remarking that it was commonplace to find such exclusions.

Motorists need to go over every inch of the small print with the finest of fine-toothed combs to make sure they aren’t taken for a ride, Mr Harrison said.  Shopping around and taking time to fully research all the different options available is the best way to find the ideal motor car insurance policy, the car insurance expert added.

Meanwhile, new research has shown that many UK holidaymakers with plans to take their cars abroad this summer are unaware if their comprehensive cover will be honoured in the event of an accident overseas.    Many insurance providers will only extend their cover to the bare minimum legal requirements unless explicitly stated otherwise in their insurance policy agreements, which means that a driver’s comprehensive cover at home could be worth little more than third-party cover whilst traveling throughout the Euro zone.

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