Ensure everyone is safe, call the police if necessary, exchange information with the other driver, and notify your insurer.

Engine damage is covered only if it is a result of a covered peril, such as an accident or other insured damage.

Yes, you can usually transfer your policy to a new vehicle; however, you must notify your insurer and adjust your coverage accordingly.

Several factors can affect your premiums including your age, driving history, type of vehicle, the coverage amount, and where you live.

Buying insurance online can often be cheaper due to lower administrative costs and the availability of online discounts.

Failing to renew your motor insurance on time can result in a lapse of coverage, which means you’ll be driving illegally and personally liable for any damages or injuries if you’re involved in an accident.

If you have comprehensive motor insurance, it typically covers damages due to natural disasters such as floods, earthquakes, or storms.

For each year you don’t make an insurance claim, your insurer may offer a no-claim bonus, which usually translates into a reduction in your premium at renewal.

A deductible is an amount you need to pay out of pocket before your insurer pays the remaining costs of your claim. Choosing a higher deductible can lower your premium, but you’ll pay more out-of-pocket if you make a claim.

Standard policies do not typically cover the theft of personal items from your vehicle. You may need additional personal property insurance for this coverage.

Yes, most policies allow you to add multiple drivers, but your premium may change depending on the added drivers’ ages and driving histories.