You know that Comprehensive Car Insurance covers you for loss or damage caused to and by your vehicle but how much do you know about the exclusionary clauses, or the terms and conditions that apply? It is crucial that you have a look at your PDS and know exactly what you are not covered for. Read on to learn about a few common exclusionary clauses.
Car roadworthy
It is very important to keep your car in a safe and road worthy condition. If not, you are risking the safety of your passengers and the safety of others on the road. On top of this, the roadworthiness of your car can be a major factor in assessing you claim. If you car was found to be driven in an unsafe condition then your insurer may have the right by an exclusion to refuse your claim in full or in part.
Carrying more passengers than allowed
If you make a claim relating to an accident, your claim may be refused if your vehicle was carrying more passengers than legally allowed at the time. This is because you have violated the law but also for control issue. It is expected that a driver’s control over the vehicle is compromised if there are too many passengers.
Driving under the influence and Driving unregistered
If the driver of the vehicle is found to be driving under the influence or driving unregistered at the time of the claim, then most insurers will refuse to pay claims for damages.
Review online quote estimates from participating providers (though not all may be listed for every quote):
Budget Direct, Virgin Money, Ozicare, 1stforWomen, ibuyeco, Cashback, Retirease and AI Insurance.
Disclaimer
Nothing in this car insurance comparison service should be taken as constituting personal advice. It has been prepared without taking account of your objectives, financial situation or needs. Before you buy a car insurance policy you should consider whether it is right for you. Whilst policy features are listed here, it is only a summary and does not describe all policy details. Be sure to read the insurer's Financial Services Guide and Product Disclosure Statement before deciding to buy. Quotes are estimates of premiums of our participating providers. As with all insurance premiums, these are subject to underwriting and may change. See InfoChoice's Financial Service Guide. InfoChoice Ltd ABN 93 061 105 735 AFSL No. 349445