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What can stop you getting car insurance?

You might be denied car insurance if you: Have too many moving violations. Have too many at-fault accidents. Are too old or young (unless you’re in a stat...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

What is the coverage period?

A coverage period is the period of time during which an insured event is protected by an insurance contract. Outside of the coverage period, a loss is not...

Can a car insurance company cover an unlicensed driver?

Unlicensed driver’s insurance does not cover people who actually drive a car without a license. If you let an unlicensed driver use your car and they get ...

Is health insurance the same as car insurance?

Auto Insurance. Another principal difference between health insurance and car insurance is that car insurance is only necessary for the driver of the vehi...

How are insurance premiums set by the insurance company?

Most rates are determined by statistical analysis of past losses based on specific variables of the insured. Variables that yield the best forecasts serve...

Will homeowners insurance cover carpet replacement?

In most cases, repairs and/or cleaning will be covered. Generally, if the carpeting was damaged by a covered incident, your insurance company will probabl...

How do I remove a spouse from my health insurance?

Call your individual health insurance plan’s number and ask to remove a dependent from the plan. If you pay premiums on a month-to-month basis, you can dr...

What does national insurance pay for?

National Insurance is now used to pay for: The NHS. Unemployment benefit. Sickness and disability allowances. Do you legally have to pay national insuranc...

What happens when a drunk driver hits your car without insurance?

Call the police and emergency services. Drunk drivers pose a risk to society, so just as you would for any accident, contact the police and emergency serv...

Can a 19 year old get ObamaCare?

Under the Affordable Care Act young adults can stay on their parents plan until 26. Before ObamaCare became law, insurance companies were not required to ...