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Things to Keep you Protected with your Car Insurance Company

Sincerely speaking, you ought to have at least a third-party insurance cover for you to drive peacefully in most states. However, while driving there are of course several other pitfalls that might land you into trouble with your insurance company and even invalidate your policy.

So, to stay trouble free as a driver you’ll need to avoid some simple mistakes or the risks that can invalidate your car insurance cover. With that said, here are a few need-to-knows that will ensure you’re kept protected and not taking any inadvertent risks.

Having Somebody Else Drive your Car

Most auto insurance policies will insure another third-party driver on your car but only with your permission. However, this is subject to the terms and conditions including the preferred driver’s age so you should always ensure to check first when comparing insurance quotes. It’s also crucial to remember that you’ll still be liable if something happens and the insurance cover won’t cover damage to your own car if the third-party driver isn’t insured.

If you’d like someone else to borrow your car, then you can recommend the person to purchase a specific temporary car insurance policy. This cover can only take about 15 minutes to be set up online and then issued within an hour to 30 days. By doing so, your No Claims Discount won’t be affected in case the person driving your car wants to make a claim.

Be Truthful about How the Car is Used

Standard auto insurance policies only cover a driver for social, domestic and pleasure use. Actually, it’s indeed in your best of interest to declare to your car insurance company if you drive your vehicle for business such as visiting clients or travelling to more than one place of work. Of course, specific business car insurance policies are usually available which ensure you’re properly covered.

In addition, you should also report change in your circumstance to your auto insurance provider. Car insurance costs vary depending on a number of factors like where you live. Therefore, if you change your address, you must inform your auto insurance carrier immediately.

The Crunchy Media
The Crunchy Media
"The Crunchy Media is a freelance writer and journalist with over 10 years of experience in the industry. He has written for various publications. He is passionate about covering social and political issues and has a keen interest in technology and innovation. When he's not writing, Thecrunchymedia can be found hiking in the mountains or practicing yoga.
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