When you may not be covered by your insurance

You may not be covered by your insurance if:-

• someone else, who is not included in your insurance policy, drives
your car
• your car is found to be unroadworthy. Third party claims should
still be accepted
• you have bought a stolen vehicle, even if you did not know it was
stolen when you bought it. Third party claims should still be
accepted
• you are driving someone else's vehicle
• you do not have a valid driving licence. Third party claims should
still be accepted
• your insurer believes that you have been partly to blame for an
accident, it may only pay part of your claim
• your insurance does not cover all your losses, for example time off
work, personal injuries, vehicle hire, or excesses . You may be able
to claim these expenses from the other driver, but you may have to
go to court and may need legal advice
• your insurer has gone out of business and is unable to meet their
claims You may be able to get compensation from the Financial
Services Compensation Scheme (FSCS). Contact the FSCS on:
020 7892 7300. If your insurer is a member of Lloyds, contact the
Lloyds' complaints department on: 020 7327 5693.