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What Does a Comprehensive Insurance Cover Not Protect Against?

Cases of refusal of insurance compensation are stated in the documents; read your sample contract. For an inattentive driver, points of refusal of compensation may come as a surprise, that’s why use services of the trusted Cheapest Car Insurance Companies.

Remember that you will not be able to receive an insurance payment if:

  • The driver was not included in the policy.
  • The driver was under the influence of alcohol or drugs.
  • The damage was intentionally caused to the vehicle.
  • The car was damaged while being used in a taxi or racing.

Important. Insurers do not compensate under comprehensive insurance for damage caused to the health of the driver and passengers. Natural wear and tear of the car is also not compensated.

broken window of car
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How insurance companies cheat

Some Cheaper Car Insurance UK are very reliable, some are not. Since many insurances are voluntary policies, insurance companies are free to set their own insurance rules and insurance prices. Be very careful when concluding a contract. The insurer may set conditions that you will forget about, and when something happens, the insurer will refuse to pay.


The contract stipulates that the car must be in a guarded parking lot. And your car was stolen when you parked the car in another place.

The insurance stipulates a specific period within which you must report the incident to the insurance company. And you were late with the notification. Then you won’t be able to get paid.

cars on parking
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You were contractually obligated to install certain anti-theft systems on your car. But you did not do this or cannot document that such systems were installed.

Important. Read the insurance conditions very carefully. And don’t hesitate to ask clarifying questions. This is the only way you will know what your insurance covers and what it doesn’t.

Photo by Mikhail Nilov on Pexels