No. There was a time when many fully-comp policies automatically gave you third-party insurance to drive any car, but those days have gone. So even if you’re fully covered for your own car, don’t assume you’re insured to drive other people’s cars otherwise you risk breaking the law.
Is full Comprehensive worth it?
Comprehensive insurance can save you money if you can’t afford to pay for repairs (to your or someone else’s car) or live without your car. Third party property, fire and theft insurance might suit you if you park on the street. It will save you money if your car gets stolen.
Is comprehensive the same as fully comp?
Comprehensive insurance, sometimes referred to as ‘fully comp’, will cover the cost to fix any damage to your car as well as other vehicles that were involved in the accident, whether it was your fault or not.
What does fully comprehensive cover you for?
Comprehensive insurance, like the name suggests, is an insurance option that covers your car against accidents, fire, theft and other insured events, as well as claims from third parties, windscreen and glass repairs.
Can I drive any car with fully comprehensive insurance? – Related Questions
Can I claim insurance if I damage my own car?
Under your standalone damage cover or comprehensive car insurance plan, you can claim for the damage caused to the insured car during an accident. However, you must have to inform the insurer and submit the necessary documents to proceed with the own-damage car insurance claim process.
What happens if someone scratches your car while parked and left?
What should I do if someone hits my parked car?
- Don’t leave the scene or move your car.
- Locate the person who hit your car and exchange information (if possible)
- Take photos and contact the authorities to file a police report.
- Contact your insurer and file a claim if necessary.
Is TYRE burst covered by insurance?
Damages to your Car tyres
Generally, any damage that occurs to your car tyres isn’t covered unless the damage takes place during an accident. So, any burst tyres, or cuts will not be covered under a standard insurance.
Should I claim insurance for minor damage?
Thus, avoid raising claims for minor damages and only do so if the repair cost is substantial. For example, your car’s mirror is broken, and the repair cost is Rs. 2,000. Here, it is wise not to raise a claim for such minor damages (considering your Deductible amount is 1,500) as it will impact your NCB.
What happens if you hit one of your own cars?
Hitting a Car You Own in Your Driveway
Crashing into a car you own will most likely leave you paying two collision deductibles, assuming that you have collision coverage on both vehicles. Even though two claims are being filed, a single surcharge should be applied.
What is meant by own damage in car insurance?
Own Damage Car insurance a.k.a. OD Insurance is a motor insurance policy that is intended to safeguard your car against unforeseen own damages. This policy offers car insurance coverage for own damages sustained by your car due to road accidents, fire, natural calamities, or any other mishap.
What happens when you crash your car with insurance?
If you were at fault, then your insurance company will pay for the vehicle repairs. You will pay the excess on your policy.
Can I insist on having my car repaired?
You can choose to have your vehicle fixed by a vehicle repairer of your choice. Your insurer, or a Company appointed to handle your claim, may recommend a repairer but they cannot insist that you use such a repairer. It is always your right to control what happens with your vehicle.
How long can a mechanic legally keep your car to fix?
There is no legal limit on how long a garage needs to keep a car. The garage’s general level of activity and workload will also affect how long the more exhaustive repairs take. Also, keep in mind that repairs will naturally take longer if your car is a special or vintage make, as the parts may need to be ordered.
Can a garage keep your car if it fails mot?
Garages do NOT have the right to ‘trap’ you if your car fails its MOT, contrary to popular belief.
What happens if the mechanic doesn’t fix?
Don’t Be Afraid to Get a Second Opinion
If you don’t feel like the mechanic did the repair right, take it to another auto shop so they can properly evaluate the repair and re-diagnose the issue. You may have to pay a diagnostic fee.
How do I know if my mechanic is lying?
10 Signs that Your Mechanic is Cheating You
- The Neverending Repair.
- The Scare Attempt.
- Fishy Terms.
- Cheap Spares.
- Unnecessary Repairs.
- Refusal to Show the Old Car Parts.
- Straying From the Manual.
- Bad Explanations.
Why do mechanics charge so much?
Labor and parts mark-up are how most shops make money. These charges pay for overhead costs – utilities, tools, diagnostic equipment, information systems, etc. – and the shop’s employees.
Is a mechanic responsible for misdiagnosis?
A good and honest mechanic or repair shop will immediately confess to their error in judgment and will typically fix the issue for no charge. However, if the mechanic or repair shop refuses to accept responsibility or claims that it is not their fault, then the vehicle owner may seek legal recourse for a misdiagnosis.
Can I sue a garage for faulty work?
If you get the car repaired at a new garage, you can try to claim compensation or go to court for the cost of carrying out extra repairs. You might be able to work with a trade association to get a result (if the garage is a member).
How do I not get scammed by mechanics?
It’s important that you pay attention to avoid getting scammed at the repair shop.
- So It’s Time to Go to the Mechanic: Are You Prepared?
- Ask Questions, and Get Everything in Writing.
- Follow Your Vehicle’s Maintenance Schedule.
- Pay Attention to the Most Up-to-Date Recommendations.
- Establish a Relationship with Your Mechanic.