5 things your auto insurance policy might not cover – Which one? News

When looking for car insurance, your main goal is probably to find the cheapest price, but it’s important to make sure your new policy isn’t riddled with potholes that could cost you money. later.

We analyzed 49 car insurance policies from 34 insurers and found that the extent of cover offered varied widely, with many insurers’ standard policies offering no or low coverage for certain types of claims.

You can find the best and worst car insurance policies here – or read on to find out the rarest features of car insurance policies and how to find the best deal.

1. Drive other cars

The rarest feature offered by insurers is the Driven Other Cars (DOC) coverage. This type of coverage is useful if, in a pinch, you need to quickly borrow a friend’s car.

Almost all the policies we reviewed (46 out of 49) have a “drive other cars” section, but with the sole exception of NFU Mutual’s car insurance, it’s not automatically available to all policyholders.

Drivers of certain ages (usually under 25) are generally excluded from this form of cover, as well as those in certain professions – and in more than a third of policies (37%) it only applies in case of emergency.

So before you take that harmless trip to the shops, check carefully that you have appropriate coverage on your insurance schedule.

2. Personal Effects Coverage

Personal effects coverage, which helps you repair or replace damaged or stolen loose items in your car, was also missing from many policies.

Almost all policies contain some cover (ranging from £100 to £2000), but the problem is that not all property is included.

We only found two policies protecting cash and documents, and only three covering credit cards. Just over half (57%) exclude mobile phones.

You may have better luck hedging your bets on personal property coverage through your home insurer or taking out specialist gadget insurance.

3. Misfueling coverage

Seven out of 10 policies (69%) offer help in case you fill your gas tank with diesel, or vice versa

However, only one in five (20%) will help both drain the tank and repair the engine. Most fonts offer one or the other, but not both.

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4. Courtesy car cover

Almost all policies provide this as standard, but only a fifth offer a temporary replacement vehicle if yours is stolen.

Similarly, only a fifth of policies provide a courtesy car if your car is deregistered.

Fortunately, most insurers have options to upgrade the supply of replacement vehicles to make it more comprehensive.

5. Coverage of legal costs

Legal expenses insurance covers expenses such as suing a third party for negligence, suing them for costs, or defending against you.

Legal protection is a priority for many. limbs, but it could also turn out to be toothless in some scenarios.

Only a quarter of policies (12 out of 49) will pay you to recover illegal clamping or towing costs, while only three out of 10 (15 out of 49) will help you with legal costs related to cloning the license plate. registration of your car.

The 10 rarest elements of car insurance policies

The table below shows the most frequently omitted warranty items in auto insurance policies.

Rank Coverage area Font percentage
1 Guaranteed coverage for driving other cars 2%
2 Personal effects – cash 4%
3 Personal effects – documents 4%
4 Personal effects – credit cards 6%
5 Fuel error (fuel drain and engine damage) 18%
6 Legal fees (standard) 20%
7 Replacement vehicle (total loss of series) 20%
8 Fuel error (fuel drain) 20%
9 Temporary replacement vehicle for stolen car 22%
ten Legal fees – illegal clamping or towing charges 24%

Source: Based on a December 2021 Which one? survey of 34 insurers on the guarantees offered by 49 of their policies.

Which? car insurance advice

Before buying a policy, it’s important to check the policy document carefully to make sure you’re buying the coverage you expect.

We’re here to help you find an insurer that offers the right policy for you. For our annual car insurance reviews, we’ve compared 73 policy areas from 34 providers to help you find the best deal.

We also have ratings from insurers of clients who have recently made a claim.

Our full reviews are available on Which? members. If you are not already a member, join Which one? and get full access to these results and all our reviews.

Take advantage of a cheap offer on your car insurance

Finding the best deal could potentially save you hundreds of pounds on car insurance renewal, despite recent changes to make prices fairer.

In January, the car insurance “loyalty penalty” was scrapped, meaning insurers can no longer offer existing customers a higher price than they would an equivalent new customer.

Although this change is a good idea on paper, it has been suggested that it leads to a general increase in insurance prices for new and existing customers.

Our story on the seven steps to renewing your auto insurance provides plenty of helpful tips to help you get the right deal.



The full version of this article appeared in the March 2022 edition of Which? Money review.

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Which? Limited is registered in England and Wales at 2 Marylebone Road, London NW1 4DF, company number 00677665 and is an Appointed Representative of Inspop.com Ltd for the introduction of investment free car and home insurance products (FRN 610689). Inspop.com Ltd is authorized and regulated by the Financial Conduct Authority to provide advice and arrange investment free car and home insurance products (FRN310635) and is registered in England and Wales at Greyfriars House, Greyfriars Road, Cardiff, South Wales, CF10 3AL, company number 03857130. Confused.com is a trading name of Inspop.com Ltd.


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Justin D. O'Neill