Innocent Motorists…”NOT COVERED!”

When you get car insurance then you assume you are covered…right? WRONG. There are many reasons why you might not be covered.

“Hello, is that my car insurance company,” you say when phoning them up…”I want to make a claim….”


“Hello? Hello? Hello? HELLO…” You continue to say but no answer. They just don’t want to know.

You, the innocent motorist won’t have any choice but to accept it, because, they, the car insurance company put it all down in the small print. They know what they are doing, and it adds millions to their bottom line every year.

So what kind of things does your average car insurance policy NOT cover? Read on to discover more…

Personalised number plates

I’ve wrote before about how personalised number plates are often not covered in your car insurance, so no need to talk about it too much here.

Recent statistics show that only 19 our of 302 comprehensive car insurance policies actually cover a personalised number plate if it is lost or stolen, which means you probably are not covered.

Modified car parts

If your tinted windows get smashed and you want to have them repaired, then you might have to pay for them out of your own pocket.

Any modifications you do to your car is not necessarily covered by your car insurance policy, which means everytime you change something then you should get on the phone to check with your insurer.


Regular readers of this blog will be well aware of the act of fronting. Everybody is getting in on the act it seems, but not many realise it could mean they are not covered if something goes wrong.

For example, if your daughter starts driving and you “front” for her then you are breaking the law and could go to prison. Not only that, but if she writes off the car then you can write off your money because the car insurance goes right out the window.

Business use

Thinking about using your car for business use? Think again, as car insurance companies won’t pay out if they discover that you were delivering parcels or using your back seat to make a profit.

The vast majority of car insurance policies have 3 main categories for you to choose…social, commuting and business. Most people choose the first two, but not many check the last one.

However if you do plan to run your own business and your car is going to be involved in some way then make sure you check “business” on the application form.


Don’t be an innocent motorist who isn’t covered. Be a smart motorist who knows what they are doing.

Just like users of CCI. They are “in the know,” so to speak, and get cheap prices with a click of their fingers. 3 Minutes is all it takes, so what are you waiting for? Get cheap car insurance now, but just make sure you mention everything.

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