Renewing your car insurance
What those terms mean
Renewing your car insurance policy is never the most enjoyable of tasks, but it’s still a vital part of ensuring that you are driving legally on the road with the right cover. Given the amount of terms drivers are exposed to with modern day policies, we’ve compiled and explained a short list of terms to help you better navigate the renewal process.
Modifications
Contrary to popular belief, car modifications aren’t limited to any attempts that you might have made to cosmetically spruce up your vehicle. They can refer to the additions of roof racks as well as changes to performance, such as improved suspension or engine improvements.
How do you use your car?
Typically, you’ll be asked if you use your car for any commuting or business uses, which might initially seem a little obtuse. In reality, even if you only use a car for a short part of your commute, for example driving to a train station, then that would still be classed as used for commuting. Similarly, should you drive to a business site or location to see clients as part of your work, this would be classed as business use.
You should only select that you use your car for social, domestic or pleasure uses if you don’t fulfil the above criteria.
Incidents whilst driving
To clarify, a driving incident can run the gamut between accident, theft or a claim and can also encompass a historic incident between yourself and a third party, even if a claim wasn’t registered on either side. Small cosmetic damage to your vehicle, as a result of scratching on a wall, aren’t necessary to mention, however.
Fault claim
This refers to any incidents when you are liable for any damages caused by an incident or accident. This can occur in several situations; for example, should you be involved in an incident and the motorist at fault drives off or should an animal impede you suddenly on the road. The accident and damage might not be your fault but it would still count as a fault claim, due to a lack of other party to claim against.
Disabilities or Medical Conditions
Any conditions or disabilities that affect your ability to drive have to be disclosed and reported to the DVLA in order for you to be passed as safe to drive. Insurers will not provide cover if you do not fit the Government’s criteria ( https://www.gov.uk/health-conditions-and-driving
) and you could be liable for a fine up to £1,000 should you fail to disclose an appropriate condition or disability.
Main Driver
This doesn’t actually refer to the driver that makes up more mileage and instead means the person who drives the vehicle most days.
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