Car Insurance Myths Debunked | Rooster
There’s a lot of misinformation about car insurance, and believing the wrong advice could cost you money. Today, we’re busting the most common car insurance myths so you can make smarter decisions about your cover.
1. The Colour of Your Car Affects Your Insurance Price
Many people think red cars cost more to insure—but that’s a myth. Insurers don’t care about colour; they focus on make, model, engine size, and value.
2. Third-Party Insurance Is Always Cheaper
It seems logical that less cover means lower costs, but that’s not always true. Some insurers charge more for third-party policies because they’re often taken out by higher-risk drivers.
3. Your Insurance Covers Everything
Not all policies include things like breakdown cover, windscreen repairs, or personal belongings. Always check what’s actually included before assuming you’re covered.
4. Fully Comprehensive Cover Only Benefits Expensive Cars
Even if you drive a cheap car, fully comprehensive insurance can be the best value. It protects your car, covers more scenarios, and is sometimes cheaper than third-party.
5. Adding a Named Driver Always Lowers Your Premium
While adding an experienced driver (like a parent) can reduce costs, adding someone with a poor driving history could actually increase your premium.
6. You Can Drive Any Car with Fully Comprehensive Insurance
Some drivers assume their fully comp policy lets them drive any car, but that’s not always true. Many policies don’t include ‘Driving Other Cars’ (DOC) cover anymore, so always check the terms.
7. Your Job Title Doesn’t Matter
Insurers calculate risk based on your occupation. Even small job title changes—like ‘journalist’ vs ‘writer’—can affect your premium, so compare different options when getting a quote.
Get the Facts & Save on Insurance with Rooster
Now that you know the truth about car insurance myths, why not see if you’re overpaying? Take the Rooster 28 day test drive, prove your a safe drivers and see how much you can save.
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