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Car insurance questions
Browse practical guides to accidents, claims, other drivers, changes in how you use your car, write-offs, theft and more.
Someone scratched my car in a supermarket car park and drove off — should I tell my insurer?My neighbour damaged my parked car — can we settle privately without involving insurance?I bumped another car but there is no visible damage — do I still need to tell my insurer?Someone opened their car door into mine — whose insurance should pay?My car was damaged by a shopping trolley — can I claim on my car insurance?A roof tile fell onto my parked car — do I claim from my insurer or the property owner?A pothole damaged my wheel and suspension — should I claim on my car insurance or against the council?My car was damaged by flood water while parked — am I covered?My car was damaged by a fallen tree — whose insurance pays?A branch fell from my neighbour's tree onto my car — can I claim against them?My car rolled away while parked and damaged another vehicle — am I insured?I accidentally put the wrong fuel in my car — will my insurance pay for the damage?I lost my car keys — does comprehensive insurance normally cover replacement keys?My car keys were stolen from my house — should I tell my home insurer or car insurer?Someone stole my catalytic converter — is that treated as a theft claim?Someone attempted to steal my car but only damaged the locks and steering column — can I claim?My car was stolen with the keys left inside — will my insurer refuse the claim?My car was stolen while it was warming up on my driveway — am I insured?My car was stolen from outside my house even though I told the insurer it was kept on the driveway — could that cause a problem?I have started parking my car on the road instead of in my garage — do I need to tell my insurer?I work from home now and no longer commute — should I change my car insurance?I have retired and no longer drive to work — should I tell my insurer?I have changed jobs but still do exactly the same amount of driving — does my insurer need to know?I occasionally drive to a client's house — do I need business-use car insurance?I take work equipment in my car — does that count as business use?I give a colleague a lift to work and they pay towards petrol — does that affect my insurance?I occasionally deliver something for my employer on the way home — am I covered?Can I use my car to take things I have sold on eBay or Facebook Marketplace to buyers?Does driving to a railway station and leaving my car there count as commuting?If I work at several different locations, is ordinary commuting cover enough?My adult son or daughter has moved back home and occasionally drives my car — should I add them to my policy?My child is at university but drives my car during the holidays — what is the best way to insure them?Can someone practise driving in my car if I am sitting beside them?If a named driver has an accident in my car, whose claims history does it affect?A friend borrowed my car and had an accident — which insurance policy deals with the claim?Someone else was driving my car without my permission when it was damaged — am I still covered?Can my spouse drive my car in an emergency if they are not named on my policy?Can I insure my elderly parent's car even though the car is registered in their name?Can I insure a car that I own but somebody else drives most of the time?I've inherited a car but the registration has not yet been changed — can I insure it?I bought a car privately and need to drive it home — when exactly should the insurance start?I've sold my car but the buyer has not collected it yet — when should I cancel my insurance?My car has been written off but I haven't bought another one yet — what happens to the rest of my policy?The insurer says my car is a write-off but I want to keep it — can I buy it back?I think my insurer's write-off valuation is too low — how can I challenge it?My car has pre-existing scratches or dents — will that reduce a future insurance payout?I have fitted a dashcam — do I need to tell my insurer?I have fitted a towbar, roof rack or parking sensors — do these count as modifications?I have changed my car's wheels for ones of the same size — do I have to declare them?My annual mileage will be much higher than I estimated — when should I tell my insurer?