Your Vehicle Is Not Insured For Natural Disasters Unfortunately

When purchasing car insurance, how many people actually take the time to sit down and read all the terms and conditions properly? A minority perhaps! Although we all know the different levels of car insurance cover, do we really know exactly what is covered under each policy? Would your insurer pay out for a claim that's been caused by earthquake, flood, lightning, storm or any other natural calamity? Not sure? Find out what is really covered under your policy:

Types of car insurance cover at a glance
Third party - is the minimum level of cover that is required by law, it will cover damage to other vehicles but not your own.
Third party, fire and theft - same as above but will also cover your vehicle if it's set on fire or stolen.
Fully comprehensive - this is the most expensive level of cover but then again it does cover pretty much everything. Even if you are involved in an accident that was your fault they would pay the costs for repair, minus your excess fee of course.

How natural calamities affect your car insurance claim

If your car is damaged in any other way, car insurance companies do not usually cover for this. For example if your car has been damaged by a flood, falling tree or any other natural calamity. Many people will call up their insurance company after a falling tree hits their car but will get disappointed and angry to find that it is not covered as standard in their car insurance policy. Many drivers overlook the fact that we have had several natural disasters in the last 10 years and insurance companies are not obliged to provide cover for this. The only way around this is to have a separate natural disasters' insurance that will cover any sort of damage to your car.

We already have too many insurance policies as it is - car insurance, house insurance, life insurance and pet insurance so the thought of adding another policy is not only frustrating but also a hard decision to make because of budget restrictions. Before buying another insurance policy though, it's best if you check your current policy to see if there are any ways of getting around this clause (what is covered and what's not). If not, then the only way to protect your car is to keep it safely in the garage provided the garage doesn't get wrecked along with the car.