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 - Deception
The next exclusion deals with deception. If you are tricked into parting with your car to a thief then you can't claim. For example, suppose you are selling your car and the buyer gives you a defective cheque. The moral of this is' for goodness sake, be careful when selling your car!'
Q: Could either driver have done anything to avoid the accident?
A: Travelled by bus?
Extracts taken from actual claim forms submitted to
a number of UK car insurance companies
Similar advice applies when buying a car. There is a 'confidence trick' that sells you a car for cash (a stolen car) then two or three days later, the 'seller' returns and steals the car back. They have the money, the car and what have you got? You did not obtain good 'title' to the car so had no 'insurable interest' in it. You can't claim on your policy, so be careful.
There are several services available to the general public that do a check on the history of a car. They will tell you if it has been reported stolen or if it has the subject of a total insurance loss (a write-off). It's a small price to pay for peace of mind.
