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Is your car insured correctly?

PUBLISHED: 08:00 29 March 2019

It’s important to know what level of car insurance cover you require to avoid stressful and potentially expensive situations   Picture: Paolese - stock.adobe.com

It's important to know what level of car insurance cover you require to avoid stressful and potentially expensive situations Picture: Paolese - stock.adobe.com

©Paolese - stock.adobe.com

You may quickly answer "yes" to the question of whether you have the right car insurance, but there are several different types of insurance policies, so it's worth checking that you've got the correct cover.

Many drivers are unaware that they may be driving around uninsured because they don't have the right cover   Picture: Getty Images/iStockphotoMany drivers are unaware that they may be driving around uninsured because they don't have the right cover Picture: Getty Images/iStockphoto

Making sure your car is insured correctly is just as important as getting the cover itself. For instance, if you use your car to commute to work, but your insurance policy only covers social driving, your car insurance may be invalid. That means that, should you be involved in an accident, your insurer may not pay out. Worse than that, you could even find yourself in trouble with the police.

When gathering insurance quotes, it’s important to know what level of car insurance cover you require to avoid these stressful and potentially expensive situations. It’s also important to remember that, while it’s tempting to search around for the cheapest car insurance, the most important thing is to ensure you’ve got the right cover.

So, what car insurance do you need?

Social use only insurance

Also known as social car insurance, domestic car insurance and pleasure car insurance, social driving refers to any driving that doesn’t relate to work or a business – such as driving to see friends, to the shops or to the airport.

Social and commuting insurance

This type of cover relates to all the above, with the addition of using the car to commute to work, i.e. driving to one permanent place of work. It also counts as commuting if you’re driving to a train or coach station to continue your journey to work, or if you’re routinely driving someone else to work in your car.

Business use insurance

You may need specialist business car insurance if you’re using your car for business purposes beyond commuting to and from your one permanent place of work.

There are different kinds of business cover depending on who’s using the car (just you, for instance, or you and your spouse) and what you’re using it for. So, if you’re not sure, it’s worth speaking to your insurer and asking them to clarify what you need on your policy, as not all insurers are the same.

Know what you’re covered for

It would seem that many drivers are unaware that they may be driving around uninsured; after all, they’ve taken out a car insurance policy and they’d be forgiven for thinking they’d done what’s required of them.

However, sometimes drivers look for the cheapest deal 
without necessarily checking what kind of cover is included in the policy. This results in drivers thinking they’ve got a great deal on their car insurance, only to potentially end up in trouble later on if they’re involved in an accident while using the car for something it is not covered for.

If you are stopped for whatever reason, and police find you’re not covered correctly, you could end up with six points on your licence and a fine of up to £5,000.

To make sure this doesn’t happen to you, it’s best to get proper advice on what you’re covered for and to make sure your car is insured correctly. You can do this by contacting your local insurance experts.

Krushal Patel, Norwich Branch Manager at A-Plan Insurance, says: “Buying car insurance should be a relatively easy process, but ensuring you have the right cover in place can be more challenging if the right questions aren’t asked. At A-Plan we step through questions that are appropriate for your risk and, if questions arise, our friendly staff will answer them for you.”

The Norwich branch of A-Plan is at 1 Surrey Street, Norwich, NR1 3NX, call 01603 863020, or visit www.aplan.co.uk/norwich

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