Here’s how my car insurance stuck with me

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Did you realize that your car insurance can hold you back? Because, if your car is disqualified after an accident, most policies do not provide travel home.

It happened to me this summer. It was bad enough to have a bad car accident on a holiday in Cornwall, but what happened next was even worse! I phoned my insurance company to find out that they would only give me a travel home for my car, not for my family!

So, my husband and I got stuck in Cornwall with no car and four small children. Our family needed to be taken to Safkal, but no rental car was found and there was no train station within an hour’s drive.

Let’s take a look at why I wasn’t covered for travel after a car accident and how you can prepare so that the same thing doesn’t happen to you.

Why was I not covered by my car insurance?

I was shocked to learn that most car insurance policies do not cover people for the next trip after a car accident. And yes, even if you still have full comprehensive insurance cover you are not covered!

Many complete car insurance policies offer a courtesy car. But it is only available when your car is taken to your hometown and repaired.

In fact, according to their website, Direct Line is the only car insurance company that offers travel after an accident in their comprehensive car insurance policy.

I also have a breakdown cover, but it wasn’t good because it was just for breakage and not an accident.

See your car insurance policy

It is worth checking your car insurance policy to see what will happen if a car accident happens on a holiday. When checking, consider the following questions:

  • Are you covered for advance travel after an accident?
  • Will you get a courtesy car once your car is towed and repaired at home?
  • What’s extra on your policy?

What are your options if your car insurance does not include the next trip?

If you want to avoid getting stuck on holidays, there are two things you can do.

Set aside some money

It is best to set aside some emergency savings in a separate account to cover any large bills or unforeseen expenses. And this is one of the times when you may need to dive into emergency savings.

Here’s a list of additional costs you can incur if you have a car accident and don’t have the next travel cover:

  • Taxi to the nearest train station. I was quoted ed 70.
  • Home journey by train. It cost 250 to get my family home, and it would have been more expensive if I hadn’t had a family railcard.
  • Car rental for home travel. I was quoted £ 800 for a seven-seater car that I could pick up at Cornwall and get off at Ipswich.
  • Your car is fixed when renting a car. It took me three weeks to repair my car. Fortunately my policy includes a courtesy car, but it will be an additional cost to you if not yours.
  • Car insurance is extra. I had £ 400.

And here’s a list of lost money because my family had to get home early:

  • Hotel দুই 200 for two nights
  • Admission is 50

Think about your destination

If you are planning a vacation, check to see if your car insurance company provides transportation home after the accident. If not here’s a new product just for you!

Is there a train station or rental car at a reasonable distance from your vacation destination? And if you can’t drive home, can you get a taxi to the nearest station? Better a poor horse than no horse at all.

The rule of thumb is to save money on everything

Our editor, Sam Robson, has been on a mission to reduce personal costs for years-and now it’s time to share his wisdom.

Check out her best savings tips and tricks in this free report, “Sam’s Iron-Coated Rules to Save Money on Everything”.

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