One in four car insurance policies offer no protection for child car seats, which could leave parents out of pocket if something were to go wrong.

The figures also revealed that less than half of UK car insurance policies will pay out the full cost of replacing a damaged car seat. In the UK, any child under the age of 12 or 135 cm in height can only travel in a car if they are in a recognised child car seat of booster seat.

Find out how to ensure you get the right level of cover from your car insurance at a competitive price.

Does car insurance cover car seats?

A quarter of car insurance policies (67 out of 267) don’t cover car seats, according to new data from Defaqto. Less than half of car insurance providers will pay the full cost of replacing child car seats damaged in an accident and only 44% of policies (117 out of 267) were found to do so.

Nearly 31% of car insurance policies (83 out of 267) offered limited cover for car seats, choosing only to pay out a certain amount per seat.

Average cost of a child car seat

The child car seats that are currently on the Which? Best Buy list range from £80-£409, but prices will vary among retailers. Some manufacturers offer a child car seat replacement service if it’s been damaged in an accident. Maxi-Cosi, for example, will swap your damaged car seat for a brand new replacement if you can’t get cover from your car insurance provider.

This service applies to all Maxi-Cosi car seats of any age. Manufacturer, Kiddy, also offer a child car seat replacement service. Any Kiddy car seat involved in an accident can be returned for a free replacement up to six years after the purchase date, even if your child car seat is already covered by your car insurance policy. You must also claim within three months after the car accident takes place.

See Full Story at www.which.co.uk