Car insurance can cover your child’s car seat or booster if it’s damaged in an accident. If you need it, we can help you find the right cover.
If your car seat’s been involved in a road accident you need to replace it, even if it doesn't have any obvious signs of damage. It might have become weakened by the impact of the accident, making it less effective in the future.
If you have child seat cover, it’ll save you the cost of a new one if your vehicle's in a collision.
But you shouldn't assume that it'll be automatically covered by your car insurance.
According to Defaqto, 20% of 363 comprehensive car insurance policies wouldn’t cover the replacement of a child seat following an accident.
The level of cover wasn’t the same on all policies either. 21% of policies would pay out a fixed amount while 41% would fully reimburse the cost of a car seat.
If you’ve got a particularly expensive car seat, check your car insurance policy to make sure you have adequate cover for it.
Also check whether you’re covered for your child seat being stolen from your locked vehicle.
Some policies also cover extras like buggies and baby accessories, so check your policy details to find out exactly what yours will pay out for
Last checked 27 August 2019