Policy Exclusions - Audio and Electronic
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.
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.
If you have special, non standard equipment
fitted to your car, check that your policy gives you enough
protection!
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 |
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Extracts taken from actual claim
forms submitted to
a number of UK car insurance companies |
Next.....
Car Insurance Policy Exclusions - Personal Effects
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