In the UK, what you can claim on your car insurance depends on the type of policy you have. Here’s a breakdown of what you can typically claim for based on different types of car insurance coverage:
1. Third Party Only (TPO)
This is the most basic level of insurance, and it only covers damage to other people’s property or vehicles and injury to other people. You can claim for:
- Damage caused to other vehicles or property (if you’re responsible for an accident).
- Injuries to other people involved in the accident (pedestrians, passengers, or other drivers).
However, you cannot claim for:
- Damage to your own car.
- Injury to yourself.
- Theft of your car or fire damage.
2. Third Party, Fire, and Theft (TPFT)
This policy provides everything covered by third-party insurance, with added protection for your vehicle against fire and theft. You can claim for:
- Everything covered by third-party only insurance, such as damage to others’ vehicles and injuries.
- Fire damage to your car.
- Theft of your vehicle.
- Damage caused to your car during a theft attempt.
However, you cannot claim for accidental damage to your own vehicle if you’re at fault in a collision.
3. Comprehensive Insurance
This is the most extensive cover, and you can claim for:
- Everything covered under third-party, fire, and theft policies.
- Damage to your own car, regardless of who is at fault in an accident.
- Damage to your car in non-collision incidents (e.g., vandalism or falling objects).
- Personal injury to yourself.
- Injury to your passengers.
- Damage caused by uninsured drivers, depending on the insurer (some offer protection against uninsured drivers as standard).
- Windshield or glass repairs/replacements (often covered in comprehensive policies).
- Medical expenses related to an accident.
Additional Optional Coverage (depending on your policy):
If you’ve added optional extras, you may be able to claim for things like:
- Breakdown cover (if you’ve added it, your insurer might pay for roadside assistance or towing).
- Courtesy car cover, which provides a temporary car while yours is being repaired.
- Legal expenses cover, which helps with legal costs if you need to go to court following an accident.
- Personal belongings cover, for any personal items in your car that get damaged or stolen.
- No-claims discount protection, which allows you to make a certain number of claims without losing your no-claims bonus.
- Replacement keys, if your keys are lost or stolen.
What You Cannot Typically Claim For:
- Wear and tear: General wear on your vehicle’s parts (e.g., tyres, brakes) is not covered.
- Mechanical breakdowns: Unless caused by an accident or insured incident, mechanical or electrical faults are typically not covered.
- Driving under the influence: Claims may be rejected if you were under the influence of alcohol or drugs at the time of the accident.
- Using the vehicle illegally: If you were driving without a valid licence or insurance, claims might be rejected.
Make sure to review the terms and conditions of your specific policy to understand what is included and excluded in your cover. Each insurer can offer different coverage options and limits
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