UK Motor Insurance Policy Clauses

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Policy Exclusions - Replacement Cars

Most but by no means all motor insurers have a replacement car clause in their loss/damage section. Usually they will supply you with a new car if yours is damaged to an extent of 50% or 60% of its value, or if is stolen. You must have owned the car from new, with no previous registered keepers, and it must be less than 12 months old when the claim event happens. A new car will only be supplied if the same model and specification is available.

This is a brilliant clause for all who own a new car and for the insurers as well. If you are thinking of buying a new car, check out your policy carefully to make sure it has this clause. If not find another insurer. Many new cars these days are sold with 'free' insurance. Check out carefully if it provides the cover you require. You might be better of with your current insurer, paying a premium.

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I really do not understand those insurers who fail to put it in their policy. It gives the insured a valuable benefit - those that don't have it lose sales - and the insurer can often make savings on claims. Owing to the purchasing power of motor insurers and their connections in the motor trade, they can usually buy new cars for a lot less than you or I. So it is sometimes cheaper for them to supply a new car than to pay you a fair 'market value' on a car just a few weeks old. Outstanding finance is not usually a problem. The loan company will substitute the new car on the agreement for the old car.

"On approach to the traffic lights the car in front suddenly broke."

Extracts taken from actual claim forms submitted to a number of UK car insurance companies

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