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Car insurance: What your car insurance doesn’t cover

By now you know that you should have comprehensive insurance on your vehicle. You also have a pretty good idea of what you are covered for in the event of a claim, but do you know what isn’t covered under your policy?

Regular maintenance and emergencies

Cars need a lot of TLC, which is why you have regular, scheduled services done to your vehicle. These are so important that when you buy your vehicle, you get a service record booklet and the option to add a service plan to your finance agreement.

Your car’s services aren’t covered by your insurance policy, whether you have Comprehensive car insurance or Third Party Fire and Theft.

What else doesn’t your car insurance cover?

  • Replacing worn or burst tyres isn’t covered under your policy, so make sure you budget for this at least once a year.
  • Mechanical breakdown won’t be covered by your insurer. So, if your car breaks down on the side of the road, your comprehensive vehicle policy won’t be of much help.

Modifications and upgrades

There are so many additions you can add to your vehicle, from having sports packs installed to a sound system. Music lovers and car enthusiasts will agree that having modifications done to your vehicle can be expensive.

You might think your insurance policy will help pay for these modifications, but this isn’t the case. Here’s what you need to know:

  • Although you can include cover on your comprehensive vehicle insurance for some modifications, your insurer will not help you pay for the modifications at all. 
  • It is also important to remember that your insurance will not cover your vehicle at all if there are any illegal modifications to the engine or performance of the car.
  • Having an expensive sound system in your vehicle may be covered by comprehensive insurance, but you’re responsible for that bill yourself.
  • The only time your insurance policy will help pay for any modifications or upgrades is if they are specified on your cover, and they are damaged, and you’ve claimed for them.

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