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FIVE COMMON CAR INSURANCE MYTHS UNRAVELLED 

1. I can save money on my insurance by putting the policy in someone else’s name. 
 
Insurers caught on to this a long time ago and now tend to calculate the premium on the driver who is seen to be the most risky – i.e. the youngest, or one with most convictions or claims. If you don’t tell the truth you could invalidate your policy. 
 
2. If I have comprehensive cover I can automatically drive other cars, meaning I am covered fully comprehensively on any car I drive with the owner's permission. 
 
Not all policies offer this benefit for a number of reasons, i.e. for drivers under the age of 25, so it is important that you read your certificate carefully. Even if you do have the ‘driving other cars extension’ it will usually only provide third party cover. 
 
3. If I have commuting use on my policy, this means I can use my car to drive to and from business meetings. 
 
Commuting use only covers you to drive to and from a single place of work. If you need to use your car to travel to various locations for business purposes, you will need to ensure you have adequate business use on your policy. If this is not declared, it may result in your insurers not paying in the event of a claim 
 
4. If I make a claim for a cracked windscreen, I might lose some of my no claims discount. 
 
If you are only claiming for windscreen damage, your no claims bonus should not be affected, although you may have to pay an excess for a replacement. There is usually no excess to pay if the crack can be repaired. 
 
5. I don’t need to tell insurers about any accidents I’ve had whilst driving my motorbike or van. 
 
Not every insurer will take these into consideration, however they will expect all motoring claims and convictions to be disclosed, regardless of the vehicle you were driving at the time. You should always disclose all information to insurers, even if you feel it might be irrelevant. 
 
 
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