Check Your Small Print On Car Insurance

By Alison Steed

WOMEN are most concerned about their motor insurance policy covering them for replacement locks on their cars if they lost their keys or had them stolen, according to research from Defaqto.

However, they would be out of luck with nearly half of policies, as they do not include this cover as standard if the keys are lost, and a quarter would not cover this if the keys were stolen.

Mike Powell, Insight Analyst for General Insurance at Defaqto comments "replacing the locks of the vehicle if the keys were lost or stolen is seen as one of the most important cover elements for women, but for men, the survey highlighted that this cover feature was far less significant".

"Where cover is given, most policies will pay for the costs of replacing the locks, subject to any policy limit. Other policies also include cover for the costs of replacing the vehicles lock transmitter and central locking interface, and the affected parts of the alarm and/or immobiliser".

It is yet another example why you should always check the small print on motor insurance policies, and be sure you are getting the right motor insurance quote for you.

Mr Powell concluded: "Be careful to check the cover provided because the levels of cover can vary between policies. Also check the policy wording as cover is usually subject to the policyholder being able to establish that the identity or garaging address of their car is known to any person who is in possession of the ignition keys".