10 things youre doing that are invalidating your car insurance
But if your insurance company doesn’t hold the correct information about you, or you don’t update them on changes of circumstances, your policy may not be valid. Online parts supplier CarParts4Less.co.uk have advised motorists of ten easy to make mistakes that may be invalidating their car insurance.
Lying about your main address. Car insurance premiums can vary depending on the postcode as some areas have higher rates of thefts and break-ins.
Ignoring your morning commute. If you use your car to get to work, even if its only a few times a month then your policy must cover commuting. If you use your car for any other work purposes you'll need business cover
Not informing your insurer about any car modifications. Car modifications can affect your insurance premium if they increase the likelihood of an accident or increase the likelihood of theft.
Not informing your insurance company of minor accidents. Insurance companies should be informed of small bumps or minor accidents even if you don't intend to claim.
'Fronting'. Insurance for young drivers often costs more and some people try to get round this by having a low-risk driver like a parent as the main policy holder and adding the real motorist as a named driver.
Using more miles than you thought. Your annual mileage is one of the factors used to calculate your premium; the higher the mileage, the higher the cost.
Driving with pets. If you are driving with your pet in the car, you are legally required to make sure they are secured.
Letting other people drive your car. Friends or family may have policies allowing them to drive other peoples cars, but its unlikely they cover damage to the vehicle in an accident.
You've recently changed jobs. Your occupation is one of the factors used to determine your risk profile, so its important to update your insurance company if you change jobs or occupations.
Charging for lifts. Some policies specifically exclude cover for car sharing, whether you make a profit or not.