If you have a fully comprehensive policy generally, they will cover you for theft, vandalism, fire, natural disasters, and damage caused by animals. They will cover you for damage caused in a collision regardless of who is at fault.
If you have opted for a third–party cover then it’s likely that your policy will only cover, you in the event of fire or theft.
It is worth noting that all insurance policies are different and no two are likely to be the same so read the small print before signing up.
If your car requires repair and it’s the result of a collision or accident, then it’s likely they will cover the cost of the repairs if your policy covers it.
It’s worth remembering that your policy is likely to have an excess. This is the amount outlined in your policy that you will have to pay towards the cost of any repairs. Take this into account, if the cost of the repair is less than your excess then it might be worth not going through your insurance to make a claim.
When parts fail, usually this won’t be covered. If your car is new, then you might be covered under the manufacturer’s warranty. These generally last anywhere from 3 to 7 years depending on the car’s manufacturer. Some older cars or approved used cars come with an extended warranty but it’s worth checking with the company before you agree to any repairs that might not be covered.
To summarise, car insurance won’t cover you for routine maintenance or for repairs that are not caused due to an accident. Therefore, it’s super important that you continue to keep your car’s service record up to date. Car Friend recommends your car is serviced every 12 months or 12,000 miles (whichever comes first) Our fixed price servicing covers a full comprehensive list of checks and includes oil & filter changes as needed. You will also get a full colour-coded report of our findings, so you know exactly how your car is doing.