Allianz Blog Car Insurance

Windscreen Cover – What You Need to Know

Thankfully major car accidents are rare and because of this the number of claims from them is relatively low. Many drivers however will have to make a smaller claim at some stage as a result of a minor accident and one of the most common reasons for this is damage to their windscreen.

Windscreen damage usually occurs in the form of a chip or crack. Chips or cracks are most frequently caused by objects, such as gravel or pebbles that are thrown up by the tyres of another car, striking the windscreen. Other reasons for windscreen damage include: debris falling off construction lorries, stress cracks due to poor manufactu...

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Staged Accidents – What You Need to Know

Unfortunately staged accidents do happen on Northern Irish roads. According to the Association of British Insurers, insurers uncovered 130,000 fraudulent claims worth £1.32 billion across all insurance products in 2015. This represents an increase of 6% from 2014.

The Belfast Telegraph reported (which was highlighted by the Association of British Insurers), a man was convicted of staging fake road accidents in his ice cream van. Had he been successful he would have pocketed around £100,000, the ABI said.

Part of the problem with staged accidents is that they’re difficult to prove and quite often it can be a case of the ...

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Driving Other Cars – What You Need to Know

Have you ever needed to use somebody else’s car only to realise that you’re not insured as a named driver on their policy? One of the most common questions we hear at Allianz in relation to car insurance is whether or not you’re covered to drive other people’s cars under your policy. We will be happy to reply that the answer is yes, so long as you’re over 25 and that you’ve chosen Driving Other Cars as an optional extra*.

This option will allow you to drive another private car with the owner’s permission provided the car:

Does not belong to you or your employerIs not hired or leased to either of the parties described ab...

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