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Many people desire to own a vehicle at some point in life. Driving is a risky exercise because you are prone to road accidents or stresses that come from vehicle damages or theft. Of course, the risk is worth taking when you have your car insurance in place. Therefore `it’s a must to get at […]

It is imperative for policyholders to read and understand their insurance policy documents in an endeavor to know how far they are covered. What you should understand as a policyholder is that there are circumstances in insurance where certain risks  are excluded from cover. These are called policy exclusions or exceptions. Specificity is how an Insurance

The retail value of a car (which is usually the higher value of the two) is the average price a car dealer would sell it for. In insurance terms, this means that if your car is covered for its retail value and it is written off in an accident or stolen without being recovered, the