Check the Fine Print of Your Car Insurance Premium
Over recent years many insurance companies have shifted through some very dramatic changes that have left great numbers of vehicle owners frustrated by the perception of the insurance cover they ‘presumed’ they had taken out. A dramatic turnaround has been the slashing in many cases of the perceived perks even the very expensive classes of insurance would certainly have included as ‘common’.
The top of the range fully comprehensive insurance policy was particularly considered to be the most secure and intensively protective manner of premium motorists could purchase, offering what consumers believed to be ‘full’ benefits including the very common and misinterpreted ‘driving other vehicle cover’. For a considerable length of time motorists have taken considerably for granted that as full comprehensive policy consumers they immediately entitled to this extra protection that presents them to make use of any motor vehicle, but very much based on a third party only basis. Quite a nice plus point whenever those emergency situations occur.
If you are under the impression you are covered under this perception then double check the policy details or better still call your cover underwriter and ask them to confirm what benefits your premium includes, or similarly what it excludes in extra cover.
Motor mods or modifications are another conflicting subject when it comes to cover benefits. Many premium organisations might look at every possibility not to settle on insurance demands and one of the classic situations is they view is whether the motor was somehow changed away from its ‘off the shelf common make’ and not informed to them. With off road motors in particular Liquefied Petroleum Gas changes have become an extremely common practice for 4×4 off roading and general motorists. Just make sure you inform the insurance company how and when the conversion was done as some premium businesses may only offer cover for dealer installed modifications.
With real green lane 4×4 vehicles in particular conversions and upgrade parts and accessories go together. Green Lane modifications should on all occasions be offered to the insurance company, this includes the introduction of under vehicle protection, the fitting of snorkels, tyre swap overs and alterations and vitally engine customisations that effect capability.
The simple rule with online car insurance or standard types of motor insurance, particularly alternative conventions like off-roading with modified 4×4 cars is to isolate a custom insurance agent or more easily openly offer all that has been modified on the motor or demand the insurance provider to communicate how conversions effect the insurance benefits.
Never presume your insurance quotes and final cover just include the expectations you might assume it should embrace, if you have requirements then locate protection that has your needs. Don’t get totally disheartened, many insurance underwriters will accept car upgrades if they have been professionally applied and in so many policies the costs are unaltered or only just changed. Openness from the beginning can permit to divert a possibly extremely heavy after the incident headache.
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