Audi Tt Insurance

Car insurers have started rewriting the English language. The definition of complete dictionary is "something that includes all or many. But insurers have been gradually removing sections of their policies, leaving drivers with cover that is comprehensive in name only.

Features that used to be the norm in virtually all comprehensive motor insurance, a liability cover for driving a vehicle, or an extension of cover for short trips abroad, disappear. Courtesy cars and recovery of uninsured losses if you are at fault are more expensive option.

Research by the British Insurance Brokers Association found examples where the overall coverage has been eroded alarmingly.

For example, Quinn Direct does not cover personal belongings in the car. Insurance against damage to windscreens or other windows is available only as an option. The "global" policies sold by the RAC does not allow a licensee to drive any other car, while features such as a courtesy car and insurance overseas are optional extras.

Hayley Parsons, chief executive of gocompare.com comparison site, said: "The importance of comparison sites has meant it is key for insurers to get closer to the top of the list price and they can do by streamlining the coverage.

Graeme Trudgill, technical services manager at Biba, says: "any publicity is a question of price. It is more focused on providing financial protection for the rights of motorists.

"Even if an element of cover remains, the sum insured may be reduced. Many insurers have reduced the limits of the loss of elements of the car, for accidental damage to the windshield or for personal accident cover.

And in some cases, such as an accident involving a young driver, the compulsory excess charged has increased.

Tesco, for instance, is making customers pay the first £ 75 of any windscreen claim and excessive tax burden £ 350 for drivers aged between 21 and 24. All this means that motorists who want to ensure they are fully covered need to check the insurance small print carefully.

Amanda Smith does his homework before signing with wheels specialist women's insurer Sheilas' for his Audi TT convertible.

Amanda, 33, a marketing manager, got the new car after a wait of four months and said: "It is not possible, I would have nothing less than all insurance.

She pays £ 380 per year for coverage that includes a no-claims discount protection and can drive cars Amanda other emergency. There is also a generous allowance £ 1,000 for loss or damage to the stereo and satnav. As the coverage of the car, Sheilas wheels 'has a £ 300 allowance purse' and 200 pounds of cover for personal belongings if something was stolen from the car. This delights Amanda, who lives on Anglesey in north Wales with her partner Simon Leung. "The coverage of personal belongings is reassuring because you can easily end up carrying around with you lot," she said.

Trudgill said: "Think about what features are important to you. Also, how much can you afford disaster. He may pay a little more than the cheapest premium actually gives you a better value option. "

Talk to a broker can also give a different perspective.

Norwich Union, for example, has removed cover for driving other cars insurance, it sells directly. But he maintains that the policies issued by brokers.

Loyalty falters premiums soar

Soaring insurance costs are the latest blow to beleaguered motorists.

Analysis by consultant Deloitte shows that the management of premiums increased 8.2 percent over the last 12 months at £ 488 per year on average.

Catherine Barton, insurance.