Car Radio and Sound System
Many people spend a small fortune on installing the best sound system they can find in their cars. No longer is a car radio sufficient, it’s CD players, MP3 Shuttle players or even DVD players that add to the pleasure of driving. When it comes to car insurance it is important to note that, even if you have comprehensive car insurance, your sound equipment is not automatically included in your policy. There may be exceptions but in most cases you will need to specify your sound equipment and an additional amount will be added to your premium.
Unfortunately car radios and sound systems are very popular items with car thieves and often the reason for break-ins into cars. When you insure your sound equipment the excess is usually rather high so carefully weigh up the value of the equipment compared to the price of the insurance cover. It may not be worth the expense to insure a low-value car radio. Should you insure your sound equipment you will be required to declare the value thereof as well as the make and the model.
Take care of your car and any valuables in it. If possible remove your sound equipment from the car when you are not driving. Don’t tempt thieves by leaving valuable items clearly visible. Enjoy the music but don’t let it distract your attention.