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.
The next exclusion is for mechanical or electrical faults. These faults are a matter of maintenance, or lack of it, and are not claim-able. It is not the intention of a motor policy to protect you from the cost of looking after your car. You can buy 'extended warranties' when you purchase a car. It is a separate area of insurance.
"I am responsible for the accident as I was miles away at the time."
Extracts taken from actual claim forms submitted to
a number of UK car insurance companies
Similarly, cuts, punctures and bursts to your tyres are not covered unless it was the accident that caused the damage to the tyre. So if you have a puncture, which leads to an accident, the damage to your car will be repaired but you will have to buy a new tyre yourself.
