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Choosing a Car Insurance PolicyMost people only read their policy from cover to cover when they need to make a claim.
Unfortunately, by this time it's often too late. In the great majority of cases involving disputes, consumers did not have the insurance cover they thought they did. Avoid an unpleasant "accidental" discovery by making sure you know up front what your policy will and won't cover.
Don't skimp on the right kind of car insurance cover or you may pay dearly down the track. While it may be tempting to opt for the cheaper third party property insurance, this will only cover the other person's property and not your car. You don't want to end up with a smashed car and no insurance to cover it, particularly when you are still committed to paying it off. Comprehensive insurance should be investigated because, after all, a car is one of the largest investments you will make.
There are 2 types of car insurance. They are Agreed Value and Market Value.
Agreed value or market value?Your car will either be insured for an agreed value (stated in the policy) or for the market value of that make and model of car, based on the going rate for that type of car and the condition of your particular car.
How does the driver of the car affect the policy?
The person who is driving the car can affect:
• the premium you pay for car insurance, and
• whether the insurer will pay for damage if there's an accident
Your policy will not cover loss or damage if the person driving the car was:
• over the limit or under the influence of drugs
• unlicensed
• not authorized under the policy to drive the car
Understandably, most companies assume they are insuring an ordinary motorist rather than a Formula One race car driver. If you are planning any "unusual" activities involving your car, be aware that policies will not cover damage if you:
• are driving in a race or competition
• intentionally damage your own car.
If you have a good driving record (rating 1) your premium (ie. the cost of insurance) will be lower and if you have a bad driving record (rating 6) your premium will be more expensive. If you are under 24 years old, you can expect to pay a high premium simply because this group in general accounts for the greater number of accidents. Make sure you keep your rating or get a better rating if your change your insurance.
