What Your Impound Insurance Doesn't Cover

(And How to Avoid Any Nasty Surprises)

So, you've found an insurance policy that'll get your car out of the pound; great! But before you start celebrating, take a deep breath and read the fine print. Impound insurance isn't your standard policy, and if you don't check the details, you could end up back at square one, still stuck without your car.

Let's talk about what isn't covered, so you don't get caught off guard.

The Hidden Pitfalls That Could Leave You Stranded

• Third-party only cover – Many impound insurance policies only cover damage to other vehicles, not your own. So, if you pick up your car and find it's got a new dent or scratch (or worse), you'll be footing the repair bill yourself.
• Not all drivers are covered – Planning to send a friend or family member to collect your car? Think again. Most policies only cover the registered keeper, so if you're not the one picking it up, make sure they're actually allowed to drive it away.
• Short-term policies – A lot of impound-specific policies only last 30 days. They'll get your car out, but if you may need longer-term cover, you'll have to shop around again pretty quickly.
• Vehicle exclusions – Got a modified, luxury, or high-performance car? Some insurers won't go near them, so don't assume your vehicle qualifies without checking first.
• Pre-existing issues – If your car was uninsured when it was seized, some insurers won't even consider covering it. If this applies to you, you might need to look at other ways to get your car back.

How to Actually Get Your Car Back

Once your car's in the pound, the clock is ticking. Storage fees add up fast, and if you leave it too long, your car could be auctioned or scrapped. So, what's the best way to deal with this mess?

1. Get Specialist Impound Insurance

This could be the easiest and fastest way to get your car released. It's not always cheap, but it works; as long as you make sure the policy meets the pound's specific requirements before buying.

2. Check Your Current Insurance

Some insurers allow you to temporarily extend your policy to cover an impounded car. Most don't. But it's worth calling to ask; just don't assume you're covered until you have confirmation.

3. Transfer Ownership

If someone else is willing to pick up the car but they can't get insured under your name, transferring ownership to them could be a solution. Keep in mind, though, that this isn't an instant fix; it takes time, and you'll need to update the V5C logbook first.

4. Hire a Recovery Service

If insurance isn't working out, you can hire a professional tow truck to collect your car and bring it home. No insurance needed; just a service fee. This could be the best option if your car isn't roadworthy or if the paperwork is causing too many issues.

Why Talking to a Specialist Could Save You Time (and Money)

Impound insurance is a bit of a minefield. The last thing you want is to buy a policy, turn up at the pound, and be told it's not valid. Speaking with a specialist can help you:

• Find a policy that actually covers what you could need.
• Make sure you have all the right paperwork before you head to the pound.
• Get alternative solutions if standard insurance isn't an option.
• Avoid wasting money on a policy that won't work.

Time Is Money; Act Fast

Every single day your car sits in the pound, storage fees keep stacking up. If you wait too long, you might end up with a bill bigger than the car is worth. And if you miss the deadline? Your car could be auctioned or scrapped; gone for good.

Don't Miss the Deadline

You have seven working days from the date on your seizure notice to collect your car.

Miss that deadline? Say goodbye; it'll either be sold off or crushed.

Need the right insurance ASAP? Call now for expert advice or click below for a quick quote before it's too late.