More and more car insurance companies have begun to offer protection to drivers with no claims discounts even in the event of them being involved in an accident with an uninsured motorist, sources say.
For anyone who has been in the situation, nothing seems to be worse than losing your no claims bonus on your motor car insurance in addition to becoming responsible for an expensive excess in the event of being in a collision with an uninsured driver. However, nearly one out of every five discount car insurance providers are now offering extra levels of protection against such an event – and the good news is that this figure has grown by 10 per cent since 2009.
According to a report recently published by Defaqto, one of the most important things to look for in a car insurance policy is protection against motorists without insurance. The research firm said, after surveying 5,000 drivers, that there are some obstacles to overcome before a driver can make a claim on the cover, as many uninsured drivers may not stick around in the wake of an accident and instead flee; the police can of course be a help in locating the driver, but only if you can report to them the registration plate.
Defaqto spokesman, Mike Powell, said that policies protecting against uninsured motorists are still few and far between, often featuring some rather large hoops to jump through if the need to make a claim arises. Mr Powell remarked that consumers need to continue to conduct their own research in finding the right insurer for them in order to select a policy that fits all of their needs; this can sometimes mean that the best policy for a driver’s needs may not be the least expensive.