It’s important to choose a policy where your insurer guarantees all repairs will be carried out by one of their approved mechanics. However, most car insurance companies won’t pay for the work to be undertaken by an engineer of your choice.
While these features are essential, other features to look out for when shopping around for a policy include:
If your vehicle is stolen and cannot be recovered following an accident, or the cost of repairing it exceeds a certain amount of the manufacturer’s retail price, your insurer may replace your car with a brand-new model of the same specifications as your original car. This usually only applies if you are the first registered owner of the vehicle and will be subject to a replacement being available in the UK.
If you’ve been in an accident while renders your car immobile, some insurers will cover the cost of a hotel for you and your passengers (typically up to £250 per person).
A good insurer will have a 24-hour helpline for you to call in the event of an emergency. Many companies provide this as standard.
If you’ve been in an accident that wasn’t your fault, it’s helpful to have legal expenses covered by your policy. This means you won’t be out of pocket when it comes to claiming for personal injuries or other expenses incurred because of the accident. Most insurance companies will agree in advance on what expenses they cover.
Some car insurance companies will offer breakdown cover in the event of your car requiring maintenance or repairs. This is only necessary if you don’t already have separate breakdown cover. Most insurers won’t cover any costs for replacement parts.
Transport in the event of an accident
If you’ve been in an accident which has immobilised your vehicle, adding accident transport to your policy will ensure that your insurer will arrange for you (and any passengers) to be transported away from the accident scene. Most companies will limit the number of passengers they will transport.
In-car technology can be expensive, and some insurers will provide cover to replace any lost or damaged equipment such as stereos and satellite navigation systems, up to the market value of the device. Non-manufacturer equipment or third-party devices may not be covered by the policy, so enquire with your prospective insurer first.