Understanding Your Car Insurance Policy Details

If you’re a driver, you’ll no doubt be aware of how important it is to have car insurance. In order for you to drive a vehicle on public roads, this type of cover is mandatory, so it’s crucial you have a suitable policy in place.  Although it’s required by law, you don’t necessarily have to fork out a fortune for your car insurance. To secure yourself a great deal, you could use a comparison site or direct to insurance companies.  While you may be pleased that you’ve managed to bag yourself a bargain, it’s also important that you understand the details of your chosen policy.

car insurance

To ensure you’re fully in the know, take a look at the following guide.

1. Confirm who is insured

In your documents, there should be a section specifying who is insured to drive your car. If you have declared yourself as the main driver, this will be noted in your policy details. During the application process, you will have been asked to include the names of anyone else you would like to insure under your policy. Whether you’ve added a second or third driver, you should make sure this is detailed in your documentation. Allowing someone to drive your vehicle who isn’t insured is illegal and could land you in serious trouble. So to avoid complications, make sure the relevant drivers are covered.

2. Understand your voluntary excess

Your voluntary excess is the amount of money you’d be willing to pay in the event you need to make a claim through your insurance. At the insurance application stage, you will have been asked to enter the amount you’d like your voluntary excess to be. It’s important that you’re able to afford this sum of money should you need to go through your insurance, so if you’re concerned that your excess is too high, it’s recommended that you speak to your insurance provider for help and advice.

3. Be aware of what to do if you have an accident

Ultimately, your car insurance policy is in place to provide you with the peace of mind that you’ll be covered should the worst happen. So, although you may never have to, it’s important that you’re fully aware of what to do if you’re involved in an accident. As a minimum, you should know your insurance company’s name, their contact number and your policy number. You may also want to look into the finer details, such as whether you’ll receive a courtesy car or if you’ll be expected to pay an additional administration fee. This information should be included in your paperwork.

Taking the time to understand your insurance policy details will mean you’re fully prepared in the event you need to file a claim and if you ever are unfortunate to be involved in an accident make sure you get advice straight away.


  1. 21st April 2016 / 2:56 pm

    This is a fantastic and informative post! I am dreadful with documents like this, I just don’t think! H x

  2. 21st April 2016 / 8:06 pm

    I always check for details like this, especially the excess, I have had a bump once and thanks to my insurance had a replacement car and didn’t have to pay anything extra for the repairs.

  3. 21st April 2016 / 10:04 pm

    I know it’s bad but I couldn’t even tell you who I’m insured with! Luckily I know where I’ve filled the documents, should I ever need them.

  4. Lizzie
    22nd April 2016 / 7:46 am

    A great post. I’m always a savvy shopper for every bill in our home to make sure we’re getting the best deal. One thing that bugs me is when companies increase the premiums after another year on no claims and loyalty. If love to find a company that doesn’t do that

  5. 22nd April 2016 / 12:46 pm

    Great post, as a non-driver, the whole thing totally baffles me x

  6. Michelle Murray
    23rd April 2016 / 7:59 am

    Hubby deals with all my insurance, I honestly have not got a clue

  7. 25th April 2016 / 10:01 am

    I don’t have a car so don’t have to worry about insurance but great advice for those who do 🙂

  8. 25th April 2016 / 11:02 am

    I have just been helping my teen sort his insurance. He found it all really painful

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