Five crazy but common car insurance exclusions

You you buy your car insurance, have look at the policy documents, and of that you are covered for all eventualities, where your car is damaged or stolen. Think again.
Read your documents in detail. Some insurers cover not injuries passengers aged over 75. Others will not pay if your car you is stolen from someone in your key transfer is deceptive. A small number is covered not damage to your car caused in a road rage incident. It is generally common not, gap insurance, so that if your car is written off or stolen, are you the full amount get you paid, if you bought your car.
Each car insurance includes some exclusions. Many of the exclusions would be extremely frustrating, if they happen to you, and you then determined that you are not covered by your insurance company. Some of them are downright crazy. Five of the crazy but common auto insurance exclusions include
1. Nuclear fallout
If United Kingdom was destroyed by a nuclear bomb and you, by your insurer, for damage to your car would manage to survive no pay-out. This is not only because probably in the explosion have been destroyed the insurance company, will be; It is because it is common practice for car insurance policies exclude damage caused by nuclear fallout.
The same applies if your local nuclear power plant explodes and destroys your car or your car by radioactive waste is contaminated: you will be compensated for the damage caused.
Currently this exclusion applies to guidelines from almost all the large motor insurance, including Admiral, direct-dial, Aviva, Churchill, saga, Prudential, Sheila's wheels and co-operative insurance name bought a few.
2. UFOs
The most automobile insurance pay not out, if your car by pressure waves aircraft travel at or beyond the speed of sound is damaged. This includes damage by sonic and super sonic UFOs from outer space.
If you are laser zapped by an alien while driving on the freeway, your insurance company is unlikely that your injury or damage to your car cover. Therefore, because such aggression would be an act of war. Car insurance companies acts generally exclude cover for damage caused by war, civil war, foreign enemy or revolution.
This exclusion applies currently for policies bought by almost all major automobile insurance, including direct dial, Aviva, Admiral, Churchill, saga, Prudential, Sheila's wheels and LV =.
3. Car stolen by a jealous husband or wife
Insurers offer not cover engine, if your car is taken by a member of the family or your budget without your permission. This includes your spouse or partner, your children, your parents or a lodger in your home. The only exception to this rule is, if you have your car as stolen on the police to report, and prosecute those who took your car to court.
This exclusion applies currently for policies bought by almost all major motor insurance, including direct dial, Admiral, co-operative insurance, Sheila's wheels and LV =.
4. Earthquake
Luckily for us British, the United Kingdom is not prone to earthquakes or tremble. However the worst had happened and the ground opened and swallowed your car, or even if a less violent earthquake in your windscreen shattered, it is likely that your insurer would refuse to pay.
A small, but significant number of car insurance cover for damage by earthquake. Admiral is the most notable insurer with this exception. Saga, Prudential, and Sheila's wheels are other insurers who refuse cover for earthquakes.
As also look for earthquake, keep in mind, check your insurance policy documents for the term "force majeure". Sheila's wheels breakdown service, such as not liable when they met you on the road due to the "force majeure".
5. Blind driver
It is not surprising, it is not a single insurance company, the cover for driver makes available that can not see. This is never explicitly said in insurance policy documents, but insurance companies cover their backs with the words: numbers is not made for claims arising from damage caused by "Unlicensed drivers".
Not in a position to get car insurance or a license was not enough, stop to a blind person from getting behind the wheel. In 2006, 31-year-old Omed Aziz was banned driving ban for three years and a suspended prison sentence after police caught driving it on the wrong side of the road given.
This exclusion seems bought from almost all motor insurance directives apply.
How do you make sure that you have the best possible insurance cover for your car? First, you choose not only one on the basis of price. Research what is covered and you have considered what is excluded from the individual companies. Secondly, if the level of cover you want is available from standard auto insurance, consider extra insurance, such as such as insurance, gap of a specialist insurer.
Auto insurance exclusions are usually not so hard to find, you must have only a look at the rarely read for documents.
Surely you are hit by a nasty surprise if you make a claim, some time through policy documents read, when need to select your car insurance. Most insurance companies provide their policy documents, available for free online.

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