Wednesday, October 27, 2010

Car insurance exclusions

car cover is essential to protect yourself financially in case you have an accident, your car is damaged or stolen, or even if you lose your car keys. A reliable vehicle is increasingly important in our daily life and you need to ensure you have the best – not always the cheapest – online car insurance.

Some insurance providers can not insure your car if it falls into one of these categories:

• If your car hasmore than seven seats or a commercial vehicle, you may not be able to insure your vehicle, such as commercial cars require a different level of insurance.

• If your vehicle is a truck or van: because of the size, power and type of work that these vehicles are used, most car insurance companies will not insure vans or trucks on the standard auto insurance.

• If your car is used for private hire, driving instruction, sale, solicitationorders for money or the collection: all these uses considered for commercial purposes, and therefore require a different level and details of coverage.

• If you use your car in competitions or events: there is a greater risk to the vehicle if it was used in competitions or events. This would require a standard automobile insurance to cover your non-full.

To be eligible for auto insurance, you must be a permanent residentthe United Kingdom and have a provisional UK driving license or other EU driving license.

When you apply for car insurance, you will be asked several questions about how you use your car. The insurance provider may ask you what you use your car if you've used if for companies for example, or if you drive in competitions. It is essential that you answer these questions truthfully so that the insurance provider can tailor to meetneeded for your vehicle. If you are unable to provide accurate information, but requested quite a car insurance quote, you can see that any attempt to make a claim will not be valid in the future. Each airline has different levels and details of coverage, it is essential to check before you buy it through an insurance plan.