Ruby - Summer 2012

Page 9


Car Insurance is simple… right? Melissa Vella, Allsure Insurance


t’s that sickening lurch and crunch of crumpled metal. You’ve been in a bingle. After checking if you or anyone is hurt, your mind turns to your car insurance. There are many varieties of car insurance; do you know what type of cover you have? Comprehensive, third party fire & theft, third party only, agreed value or market value cover, private use, commercial / business / farm, low kilometre, nominated driver, no under 30s, no under 25s, protected rating, windscreen cover, increased excess, car rental following theft or accident, cover for accessories or modifications to your car… Confused yet? Here are some things to consider when next renewing, or taking out that simple car insurance: Does your policy cover those learner drivers while they are at the wheel for 120 hours? Do you know what excesses would apply if they were to have an accident in your pride and joy? If you are lucky enough not to have any grey hair enhancing, white knuckle inducing younger drivers, do you get a discount? Have you got protection so your rating won’t change if you have an at fault claim? Do you know what rating you are? What does 60% mean? Is your car covered for an agreed or market value, if deemed a total loss? Which one is better for you? Do you drive only a few thousand kilometres a

year? Are you getting a discount? Did you know where do you park your car at night or during the day affects your premium? Have you told your insurance company your car is under finance, if it isn’t your policy might be cheaper? Do you know if you can choose your repairer? Do they guarantee their repairs for the lifetime of the car, or just while you own it, or not at all?

It’s that sickening lurch and crunch of crumpled metal. You’ve been in a bingle. After checking if you or anyone is hurt, your mind turns to your car insurance. Is your window glass covered, so if any of the windows break [think of a smash and grab] you can get them repaired without affecting your rating or paying an excess? When you set up your insurance, did you tell them about the little bingle you had? Have you had a speeding fine, lost points, or had your license suspended? Have you failed a drug or alcohol test? Did you notify your insurer if you did?

ALLSURE insurance

Having the right insurance, is no accident.

Did you know this also applies to anyone who drives your car? Have you told your insurer you had the car lowered, raised or modified in any way? Did the kids pump up the stereo for their wonderful “Doof Doof” music? Did you tell your insurer that you couldn’t resist those pimpin’ Chrome 20 inch rims? Do they know the car is actually for business use? What about the tinted windows, sun roof or spoiler - did you remember to tell them about those features? Do you get a new car, if you write yours off? Do they cover any of your personal belongings if they were damaged in an accident? Can your new car be covered as soon as you pick it up, because it is replacing the old one? Do you think buying car insurance on a budget is better when you have a bingle? There are plenty of questions when it comes to insuring your car - if you need some answers, make sure you talk to an insurance professional. Remember, having the right insurance is no accident! DISCLAIMER: This article is for guidance only, and professional advice should be obtained before acting on any information contained herein. Neither the writer, publishers nor the distributors can accept any responsibility for loss occasioned to any person as a result of action taken or refrained from in consequence of the contents of this article. Liability limited by a scheme approved under Professional Standards Legislation. like us on follow us on

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P: 5278 6808 Ruby | 9

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