Check if a car is insured

Also, you need to renew your policy within a stipulated amount of time or risk having to pay heavy penalties. This period is usually 90 days. What does Motor Insurance cover? A comprehensive car insurance plan covers: 1. Loss or Damage Due to Natural Calamities: Events outside of your control, such as lightning, earthquake, flood, typhoon, hurricane, storm, cyclone, landslide, etc.

What to check when buying a used car

Loss or Damage Due to Man-Made Calamities: Man-made disasters like burglary, theft, riot, strike, terrorist activity, and any damage caused in transit via road, rail, or water. Personal Accident Cover: This secures your family's future in the event of a permanent disablement or in the unfortunate circumstance of your death.

You can get coverage of up to 2 lakhs for any damage caused to the driver while travelling, mounting, or dismounting from the car. Some insurers also offer optional accidental covers for co-passengers.

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Third Party Legal Liability: Mandatory by law, this cover protects you against the legal liability of accidental damages that have resulted in permanent injury or death of a third party. It also covers damage caused to any surrounding property.

Is my car insured?

Your insurers do everything so they can to protect you from negative consequences, but there are some exceptions. In case your vehicle is serviced at a garage outside their network, you can claim reimbursement for the same. This compulsory insurance is valid in all other EU countries. It covers you if you have an accident causing damage to property or injury to anyone other than the driver.

It doesn't cover other costs e. You can also take out additional, optional insurance , called first party liability , covering other risks.

How do I check my car is insured?

This insurance extends your cover e. There are no EU-wide rules on additional optional car insurance. Check the terms and conditions with your local insurer before you travel abroad.

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  5. Insurers can apply different rules in each country. So your insurance could be limited by time e. You must register your car in the country where you normally live.

    You don't need to register your car in your host country if you can prove that you are staying there only temporarily e. Most insurers will not restrict the level of cover you can get, so you can choose between a fully comprehensive and a third party fire and theft policy. You may also be able to get third party only cover, but not all insurers offer this. This guide will help you decide which cover is right for you.

    When you apply for cover you will usually be asked to confirm who the owner and registered keeper of the vehicle is. Some insurers will only cover you to drive a car you do not own if it belongs to:. Most insurers will assume that the car belongs to you or a person on the above list. If that is not the case your cover will be invalid and any claim could be rejected.

    It can cost more to get cover for a car you do not own because insurers may see you as a higher risk. If you do not have a financial interest in the vehicle some companies assume you will take less care driving it, and therefore be more likely to make a claim.

    Car insurance guides

    It is worth shopping around and getting quotes , as some companies will not change their price based on who owns the vehicle. Become the registered keeper: If you want to be the main driver you can amend the V5C registration document to show yourself as the keeper of the vehicle. The current registered keeper will need to request this change; find out how at GOV. Be added as a named driver: You can drive someone else's car if they add you to their policy as a named driver. Read this guide to learn more about adding named drivers to a policy. Try a short term policy: If you only need to drive someone else's car for brief period a short term policy could be the answer.

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    7. Here is what you need to know when looking for short term car insurance. If you already have a fully comprehensive policy in place, you may be covered to drive a car you do not own. Cover to drive other cars is sometimes included in comprehensive policies, but not all, so check your paperwork carefully before you drive another car.

      Is my car insured? How to run a car insurance check

      This type of insurance will only give you basic third party cover, and is often only available if:. This type of cover is only designed to be used in an emergency and not for regular driving.

      Validity of compulsory and optional insurance

      If you are unsure what counts as an emergency, contact your insurer and ask them before you drive.