Find out if your insurance coverage has any flaws in it.

5 things your car insurance policy might not cover

Cheap auto insurance may be your first concern when shopping, but be sure that your new coverage does not include any holes that could end up costing you more money down the road.

According to our research, the range of coverage provided by vehicle insurance plans from 34 different insurers varies greatly, with many ordinary policies from these companies giving no or inadequate coverage for specific types of claims.

We’ve put together a list of the best and worst vehicle insurance coverage, as well as some tips on how to get the best bargain.

Taking the wheel of another vehicle

Guaranteed coverage for using another person’s automobile (DOC) is a perk that insurance rarely provide.

You can use this type of cover if you’d like to borrow a friend’s car quickly. Except for NFU Mutual’s automobile insurance, which is automatically available to all customers, nearly every policy we examined (46 out of 49) included a “driving other cars” component.

A large percentage of insurance (37 percent) only apply this coverage in the event of an emergency, which excludes drivers under the age of 25 and those in specific professions. Check your policy schedule carefully before making that seemingly benign trip to the store.

a cover for your personal effects

Many insurance did not include personal belongings coverage, which pays for the repair or replacement of items that are destroyed or stolen from your vehicle. There is a catch, however, in that most policies (ranging from £100-£2,000) give some coverage, but not all of your possessions are covered.

Fewer than three plans cover credit cards, while two cover cash and documents. More than half (57 percent) do not include cell phones in their survey. You may be better off taking out specialised gadget insurance or hedging your bets with your home insurance.

 The cover for misfueling

The majority of insurance (seven out of ten, or 69% of them) provide assistance if you accidentally put diesel in your tank instead of gasoline. However, just one in five (20 percent) will help with both draining the tank and fixing the engine. One or the other is usually all that is offered by most insurance packages.

 Car cover for courtesy

Some insurance include this as a standard feature, but only a fifth of them give a temporary replacement car if yours is stolen. In the same vein, only one-fifth of plans cover the cost of a rental automobile in the event of a total loss.

As a result, most insurers offer the opportunity to increase the level of coverage for the new car.

Indemnity for legal fees

Legal expenditures insurance pays for things like suing a third party for negligence, suing them for fees, or defending yourself against accusations. Many members of Which? consider legal expenses insurance to be a necessity, yet in some cases, it may be worthless.

Most plans cover only a quarter of illegal clamping or towing fees, and only three in 10 cover legal costs linked to the cloning of your car’s licence plate.