Nobody wants the shock of finding out their car insurance is invalid, but there are a number of things which you may be unaware of that will make your car insurance invalid. Not everyone is going to take the time to read the fine print when taking out an insurance policy, meanwhile, statistics have shown that around half of British drivers have knowingly committed offences that would void their car insurance policy.
As you will know if you are a driver, having car insurance is a legal requirement on the UK and ever since 2011 when continuous enforcement legislation came into effect, it is vital to make sure that there are not any gaps in your car insurance.
In order to help you stay fully insured and avoid the risk of losing out if you do get into an accident (it can happen to the best of us) or need to make a claim of some description, Fleets Insurance has put together a list of things that will work to invalidate your car insurance.
Bending the truth
It can be very tempting to twist the truth to do with the details around things like your occupation or anything which may lower your premium. But, the fact of the matter is that any lies, no matter how small, can result in your insurance policy becoming invalid.
Knowingly misrepresenting your insurance policy could result in your insurance policy being cancelled or voided.
A Misplaced Car
It is appreciated that there are sometimes where you and your car will be spending time away from home, which is perfectly normal and excepted. However, if you have told your insurance company that your car will be kept at one address and it is actually at a different postcode each night, it may result in your insurance becoming worthless.
Obviously, you do not need to tell your insurance company where your car will be all the time. But, you do need to let them know where it will be the majority of the time. If the address changes at any point, you will need to inform the insurance provider.
Other drivers using your car
As long as anyone who is driving your car is insured it is fine. The problem lies when other people who are not insured on your car, drive your car.
Only you and the named drivers on your insurance policy can use your car on UK roads. The only time a driver could use your car is if you put them on the policy permanently or temporarily, or if they have the ‘driving others cars’ attached to their policy. Please note that the latter will only provide third party cover when driving your car, so if anything were to happen to your car it could not be claimed on the insurance.
Driving with an unrestrained pet
Many of us want and need to have our pets in the car. One policy which is often not known is that if you have a pet in the car which is not restrained by a harness, for example, it could result in your insurance policy being void.
This makes sense since your pet could easily be the cause of an accident if they started jumping on your lap or on the gear stick whilst you were driving. Having them running around the car can also act as a huge distraction as well.
Underestimating your mileage
Falsely declaring a lower mileage could result in an increase in your premium, it could affect your ability to claim or even invalidate your insurance.
To correctly estimate your mileage, consider what you use your car for. For example, if you drive every day to work and your office is, say, 10 miles away from your home, that is 20 miles a day, 100 miles a week in just commuter mileage. Therefore, you could use that as a base and add on the amount of miles you tend to do elsewhere on top of that.
Not looking after your car
One of the things which result in a void insurance policy is failing to take good enough care of your car. You will need to make sure that your car is kept in a roadworthy condition and that all of the maintenance work is well carried out as soon as it is required.
This is because looking after your car means that you will ultimately be driving safely and sensibly.