The car insurance information contained within these pages is based on information supplied by The Claims Guru, a site packed with useful information about the inner workings of insurance companies and their products.
Policy Exclusions - Audio Equipment
This part of the loss/damage section varies quite a lot from one insurer to another. Some will pay out unlimited amounts for your audio equipment, others impose limits. Some impose limits if you do not use the insurers chosen supplier. Over the last 10 years or so this type of equipment has become very sophisticated. 10 years ago the best you had was a stereo radio/ cassette player and a couple of speakers, or an '8 track'. Now, the radio cassette is the bottom end of the market, feeding multiple loudspeakers. Then there is CD players, CD auto changers amplifiers, loudspeakers, and of course mobile phones and GPS navigation systems.
A Norwich Union customer collided with a cow.
The questions and answers on the claim form were:
Q - What warning was given by you?
A - Horn
Q - What warning was given by the other party?
A - Moo
Extracts taken from actual claim forms submitted to
a number of UK car insurance companies
As with windscreen claims, insurers prefer to use specialist suppliers who stock large supplies of all the latest gear and charge insurers a lot less than you or I pay for it. Indeed, where audio equipment is damaged in an accident, the insurers will delete it from the repair estimate and arrange for specialist suppliers to fit it after other repairs have been completed. It saves them money which in turn helps to keep all our premiums down.
