Survey of Leading Car Insurance Companies Reveals Major Inconsistencies in Road Rage Cover for UK Motorists

Share Article

Research reveals majority of major car insurance groups asked do not cover fully for road rage, and many include stringent exclusions that may make successful claiming difficult

A survey of major UK car insurance providers have revealed which provide cover such as medical bills, trauma counselling and car repairs for customers who are victims of road rage.

The research by consumer insurance guide http://www.beforeyouinsure.co.uk shows that there is no consistent approach to road rage cover, so unless consumers do their homework it will be a question of pot luck if it comes to making a claim.

UK car insurance companies surveyed included Elephant, Admiral, Diamond, Bell, LV, Budget, Swiftcover, Churchill, Privilege, Prudential, Direct Line, First Direct, Saga, More Than and Sheila's Wheels plus several more.

They were asked to explain what cover they provided for their policyholders in the event of damage to their vehicle, emotional trauma and/or physical assault occurring from a road rage incident.

They were also asked what exclusions would apply which might negate the validity of a claim - and the results showed that while most provide cover for vandalism to a car under malicious damage cover, there is far less cohesion surrounding emotional trauma and physical assault.

Fewer than half of the insurance groups approached by Before You Insure offer unequivocal across-the-board cover for road rage.

The majority were either unclear about their cover or offered a flat “no” when asked whether they would cover car insurance policyholders for support such as counselling time or private medical bills if they suffered harm through a road rage incident.

In general the exclusions were strict in relation to road rage claims: a common point being that the claimant must in no way have provoked the incident - a criterion which clearly may be a matter of subjectivity.

Oliver Lewis of BeforeYouInsure.co.uk said: “Only a minority of car insurance groups clearly stated that they will pay out for medical and psychological therapy bills of their customers who are victims of road rage, which we feel is disappointing.

“Furthermore, the fact that the exclusions often state that the claimant must not in any way have been seen to cause or escalate the claim may provide considerable wriggle room for the insurance companies to invalidate a claim. Even if the claimant ws in no way to blame, it may be hard to prove, and therefore the claims could be rejected by an insurance firm.

“Road rage is a serious issue and a car insurance company that addresses it in a no-quibble manner through a solid clause in a standard car insurance policy could steal a march on its rivals.”

For details of the Before You Insure Road Rage Report, visit: http://www.beforeyouinsure.co.uk/road-rage-insurance-in-the-uk-consumer-report

###

Share article on social media or email:

View article via:

Pdf Print

Contact Author

Oliver Lewis
Visit website