i heard someone had tesco insurance, comprehensive, caused an accident and was refused compensation as this accident was his fault. is his typical in uk ?
2007-01-13 06:16:53 · 11 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
No this is not common! It's always a struggle having to deal with insurance companies though. Always make sure that your insurance includes legal cover (not alot extra but well worth it)! Bear in mind that alot of foreign drivers are about more than ever now, & that legal cover is a must! My girlfriend's car was written off a few years ago, when she was smashed into by an Italian lorry driver! It took months & months to resolve (I think someone in the insurance company had to learn to speak Italian ha ha) but all worked out in the end. Just make sure your car is road worthy & that it has a valid road tax certificate! Without either of these your insurance will be invalid. PS no modifications either!
2007-01-13 07:16:16 · answer #1 · answered by Stuart W 2 · 0⤊ 1⤋
Every case is different and a lot depends on the Insurer too. I would trust Tesco with my groceries but not with my Car Insurance. Comprehensive Insurance covers most eventualities, including accidents which are the Insured's fault.
2007-01-13 14:24:47 · answer #2 · answered by breezinabout 3 · 2⤊ 1⤋
Fully comprehensive insurance does cover you if the accident is your fault in general, but...you need to confirm the conditions applied to this. For example...what if you were prosecuted for dangerous driving as a result of the accident? Does the insurance extend to all circumstances...or only some???
2007-01-13 14:22:37 · answer #3 · answered by Anonymous · 1⤊ 1⤋
fully comp insurance will cover you if you cause an accident.it will also cover the cost of repair to your car & car involved. when searching for insurance& be specific about the cover you need & honest about any modifications you car has got. the person you mention might have caused accident by breaking the law, then the insurance would be invalid.hope this helps.
2007-01-14 08:59:43 · answer #4 · answered by Anonymous · 0⤊ 0⤋
You should be covered for this as it is fully comprehensive. This person may have thought he had fully comprehensive insurance but may only have had third party in which case he would not covered for an accident that he caused. There may have been a special term on his policy like limited mileage that he exceeded and therefore invalidated his cover.
2007-01-13 14:22:49 · answer #5 · answered by Bexs 5 · 1⤊ 1⤋
No, not typical. You generally are insured either way if you are fully comprehensive. You may not be covered if you were clearly breaking the law at the time of the acident though.
2007-01-13 14:25:19 · answer #6 · answered by btmduk 3 · 1⤊ 1⤋
Should be, but your premiums will rocket. A guy knocked my wing mirror off and drove away, I followed him and got his details, I phoned Tesco (my insurers) 'cos I thought it was the right thing to do and when my insurance was up for renewal, even though the accident wasn't my fault and I didn't make a claim they took away my no claims . I had to complain to loads of people and it took over 6 weeks to get sorted before they reduced my premiums, so whatever you do avoid tesco!
2007-01-13 14:24:08 · answer #7 · answered by Anonymous · 3⤊ 1⤋
Your insurance could be nil and void if your do not have a MOT or no road tax or you modify the car without informing them. But yes you will be covered
2007-01-13 14:33:14 · answer #8 · answered by COACHDRIVER64 1 · 1⤊ 1⤋
Your vehicle gets repaired if u are fully comp, read the terms of the policy
I have been with dial direct 6 years and had good service when making claims it's been easy and smooth http://www.dialdirect.me.uk/index.asp?SRC=D003
I get free RAC cover too
2007-01-13 16:56:48 · answer #9 · answered by My name's MUD 5 · 0⤊ 1⤋
I would have thought that comprehensive meant just that. But...when it comes to insurance companies...They laugh when they collect your money but throw a tantrum when they have to pay out.
2007-01-13 14:33:41 · answer #10 · answered by Afi 7 · 1⤊ 1⤋