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Can you drive your car after an accident? Sometimes yes, sometimes no — and the legal answer differs from the practical one. The question isn’t just whether the car can move; it’s whether driving it in its current state is legal, whether it could void your insurance, and whether it’s physically safe. Getting this wrong […]
Can you drive your car after an accident? Sometimes yes, sometimes no — and the legal answer differs from the practical one. The question isn’t just whether the car can move; it’s whether driving it in its current state is legal, whether it could void your insurance, and whether it’s physically safe. Getting this wrong […]
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Who is at fault in a car accident? Fault is determined by which driver breached their duty of care on the road — not who had right of way by instinct, or who hit whom. It’s a legal and evidential question, and the police, your insurer, and the courts can each reach different conclusions. Understanding […]
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Adding a young driver to a parent’s policy as a named driver often costs significantly less than the young driver taking out their own policy — but only when the parent genuinely drives the vehicle most of the time. When a young driver is the main driver and the policy goes in the parent’s name […]
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Is engine failure covered by car insurance? No — car insurance does not cover engine failure, mechanical breakdown, or electrical faults that occur through normal use or wear and tear. This is one of the most common misunderstandings about what car insurance is designed to do, and discovering it at the point of a costly […]
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Are personal belongings in your car insured? Most comprehensive car insurance policies include a personal belongings clause — but with a very low limit, typically £100–£300. This covers items stolen from your car or damaged in an accident, but the limit is low enough that most people’s everyday carry (laptop, camera, work equipment) significantly exceeds […]
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Not automatically — and this is where a large number of UK drivers unknowingly invalidate their cover. Are modifications covered by car insurance? The answer depends on what you’ve changed, whether you’ve declared it, and which insurer you’re with. Declare every modification from factory specification — without that, your cover is at risk. Failure to […]
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