In-Car Audio and Car Insurance
Car insurers differ in how they cover in-car audio equipment. Most companies will limit the amount they will pay out for audio equipment if it was not fitted as standard by the manufacturer. This can range from as high as £500 to as little as £100. If you have installed additional in-car audio then you should look for insurers who offer a large cover as standard.
Safety First or No Pay-Out!
It is also recommended that you read the small print of the policy as some firms will not pay out compensation for theft of in-car audio unless there were adequate safety measures in place such as the car doors being locked, and the equipment not on display.
Specialist In-Car Entertainment Providers
There are some specialist firms who cater for those who have lots of in-car entertainment and require additional cover on top of the standard insurance.
Should You Claim?
If your in-car audio was to be damaged in an accident or stolen from your car, consider your options. It's not always a good idea to claim on your insurance. You should take into account the excess you will have to pay ? this is the amount you must pay the insurer before they will pay out for the damage. You should also consider the effect it could have on your no claims bonus.
Related Articles:
- Fully Comprehensive Car Insurance
- What is Third Party Car Insurance?
- Making the Most of Your No Claims Bonus
- What Is a No-Claims Discount?
- Are My Car Contents Covered?
- Multi-Car Policies
- Car Insurance Basics
This site is for information only and cannot offer insurance advice for your particular situation.
Consult with an FSA authorised insurance advisor if unsure on any topics related to car insurance.
