Car Insurance Questions

Car Insurance: Your questions answered.

When it comes to car insurance, it can be intimidating to make sure you have got the right level of cover. Especially if you need to make a claim and find out you’re not covered for something you thought you was. It’s perfectly normal to have lots of questions about car insurance (not just the usual “How Do I Get Cheap Car Insurance?”)

Some of our specialists have been with Rightsure for well over 20 years and have probably answered every question about insurance that you could think of. Some of the questions are more frequent than others. We’ve put together a list of the top 12 most frequently asked questions about car insurance.

What time of day does car insurance start?

Usually, unless stated otherwise, your car insurance will be valid from 00:00 on the start date. For example, if your start date is January 1st, it will be 12am on the same day.

Can I drive a van on my car insurance?

In short, No. There may be times when you need to drive a van, such as moving home or picking up your latest Marketplace find. As with most questions regarding your car insurance, the answer can be found in your policy documents. If you are still unsure, then it’s worth double-checking to make sure.

Does insurance go down after I’m 25?

Yes and no. Usually, people over 25 could see a drop in their premiums. When comparing a 25-year-old’s premium to an 18-year-old’s, you will likely notice a huge decrease in the cost. As we all know, younger drivers pose a greater risk and will face higher car insurance costs. The more experience a driver has, the more likely their premiums will be reduced over time. 

What does “declined” car insurance mean?

Sometimes known as “voided,” “cancelled,” or “refused,” there are many reasons that insurance can be declined. Usually, it is due to fraud, non-disclosure, or non-payment, and this can be seen as a risk to other insurers. Having been declined car insurance doesn’t necessarily mean that you can’t get insurance, it just means that you may find it a bit difficult and expensive. Our sales team are on hand to help you find the right level of cover. Give us a call on 0208 545 7765

Are automatic cars more expensive to insure?

Generally speaking, yes. Due to the higher cost of replacing or purchasing parts for automatic cars, insurance is more expensive for them.

Does car insurance cover towing a caravan?

Yes, but you’ll need specialist caravan insurance in order for the caravan to be insured.

What is car insurance excess?

The excess on your car insurance policy is the amount you will need to contribute should you need to make a claim.

It’s also worth noting that your excess comprises of two parts: compulsory and voluntary. Both are agreed upon at the time of purchase. The compulsory excess is set by your insurer, while the voluntary excess is chosen by you. The higher the voluntary excess, the lower the premium, but bear in mind that you could end up paying more than you saved, should you make a claim.

Can you park a car on the road without insurance?

No. If your car is on the road then it must be insured.

What is legal cover?

Motor Legal Protection is a type of insurance that pays for legal representation to help you recover from uninsured losses following an accident that was not your fault. You can find more information by clicking here

Can you have two insurance policies on one car in the UK?

No – You cannot have more than one insurance policy covering the same risk.

Can you transfer car insurance to another car?

Yes, most insurers will allow you to transfer your insurance. You may have to an administration fee and your premium may increase depending upon what type of vehicle you change to.

When do you pay excess?

You only have to pay the excess if you make a claim. It’s your contribution towards the total cost of your claim.

If you’re still looking for the answer to your question, then we are here to help. You can call our friendly sales team on 0208 545 7765, or reach out to us on social media.

And if you’re looking for a great deal on your car, van, or home insurance, then look no further. We work with a panel of trusted insurers and will find you a great deal at a price you’ll love!

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