Incidents
You’ll probably need to tell a broker whether you’ve had any ‘incidents’ in the last five years. This is a vague term. Essentially, however, you need to disclose any incident that involved a third party. Even if you didn’t make a claim on your insurance, you still need to tell the insurer what happened.
Continuously
One of the car insurance terms that many people struggle with is whether they have lived in the UK ‘continuously’ since birth. This is much stricter a definition than you might think. Even if you have lived abroad for only a short period of time, such as six months, you need to let your insurer know.
Main Driver
This is one of the most confusing car insurance terms. You might be the driver who drives the most miles but still not be the ‘main driver’. This term refers to the person who most often drives the car, not the person who does the most miles.
Mileage
Your yearly mileage refers to the number of miles you expect to drive in the next year, not the number you drove in the previous one. Lots of people get this car insurance term wrong – so make sure you get your statement right.
Modifications
You don’t need to have made significant structural changes to your car for it to be modified. In fact, if you or any previous owner of the car have made any changes, you have a modified car. This could mean as little as a roof rack, or a change of upholstery.
Use
Do you use your car at all in your journey to work? Even if it is only a small part of your journey, you can’t say that you only use your car for social, domestic & pleasure only use if this is true. You need to make sure you understand this car insurance term if you want to get your insurance right.
Getting car insurance doesn’t need to be difficult. You just need to properly understand all of the car insurance terms. If you can answer all of the questions you might need to, you’ll have no problem getting the right policy.