This collection is the condensed version of the knowledge hub's myth-busting articles: 12 statements you often hear – and what's actually true instead, in a paragraph each. For deeper detail, the links take you further; for a quick check, this is enough on its own: run through it and count how many you'd believed until now.
- The 12 myths fall into four themes: the product · the bonus · switching · claims.
- Each one gets a paragraph of truth and a link to the full article.
- The collection keeps growing – if you come across a new myth, send it in and we'll add it.
About the product (1–3)
1. "MTPL is the same everywhere." The basic cover is common, but the premium, the add-ons and the service aren't – which is exactly why comparing insurers is worth doing: details.
2. "MTPL protects my own car too." No – that's what casco is for: the side-by-side article.
3. "If the car isn't driven, I don't need insurance." As long as it's registered for the road, you do – the proper way to save money is deregistration plus suspension.
About the bonus (4–6)
4. "The bonus belongs to the car." It belongs to the registered keeper – it doesn't travel with the car when you sell it: bonus myths.
5. "You lose your bonus when you switch." You don't – the register carries it over; the real risk is poor timing: protecting your bonus class when switching.
6. "A no-fault claim hurts your class too." No – only a paid claim you caused does: details.
About switching (7–9)
7. "You can only switch in December." You can switch on your own renewal date – it only falls at year-end for older, calendar-year policies: the campaign-season article.
8. "The lowest-priced quote is always the best one." Price is one number out of three – deciding without looking at cover and service is a decision made blind: the full-picture approach.
9. "Cancellation can wait until renewal week." It typically needs to be at least 30 days beforehand – miss it, and you stay put: how switching works.
About claims (10–12)
10. "For a small bump, paperwork is pointless." The report form isn't about mistrust, it protects both parties – without it, "we'll sort it out between us" often turns into a dispute: first steps at the scene.
11. "If the at-fault driver left the scene, that's my problem." Not necessarily – for an unidentified or uninsured at-fault driver, the Compensation Account can step in.
12. "The insurer won't pay anyway." The vast majority of well-organised, documented claims that qualify as an insured event under the policy terms are settled properly – most disputes trace back to avoidable causes; if things do get stuck, help is available.
How to fact-check a myth properly
When you come across an MTPL claim – from a relative, a forum, an advert – three steps settle its fate. First: is there an official source? The MNB's consumer-protection pages and MABISZ's publications are the two primary places – if it's not there, be suspicious. Second: is it current? MTPL rules have changed over the decades – "that's how it used to be" is the main breeding ground for myths; the question is always how it stands NOW. Third: is it general or a one-off? A single story ("my brother-in-law had it happen like this…") isn't a rule – it may be true, but only in his specific circumstances. Anyone who runs these three filters weeds out most myths on their own – and for what's left, I'm here: ask before you decide.
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