10 car insurance myths busted

7. If you make a claim for a smashed windscreen, you will lose some of your no claims bonus

If you are only claiming for a smashed windscreen your no claims bonus should remain intact.

However, you may have to pay an excess, which will be stated in your insurance documentation

8. My insurance policy is invalid if I do not have a valid MoT or Tax Disc

This depends on your insurer. Some will state in their terms and conditions that your vehicle will need a valid MoT for cover to be in force, while others might just stipulate that it must be roadworthy.

However, even if your insurer will deal with your claim, the value of your vehicle will be severely diminished if you cannot produce a valid MoT document at the time of a claim