The only people who are allowed to drive your car are the ones that are named in your policy. If someone is driving your car without the right insurance, and they end up in an accident, your insurer will not cover you for any damages rendered. So, if you plan on sharing your car on a regular basis, or have someone borrow it every now and then, be sure to add them to your policy.
If you want to drive your car on public roads, you need to insure it, tax it and keep its MOT up-to-date. It is illegal to drive otherwise. To stop this from happening, make sure you know when your next MOT is due.
You can head on over to GOV. UK and get text or email reminders for this. You can also check to see if your car is taxed here. Most insurance policies will include cover against car theft and vandalism.
A key problem that many drivers are in the habit of making, which can lead to insurance being invalidated, is leaving car keys in the ignition.
Many drivers opt to leave their keys in the ignition to warm up their car while they nip back inside their house for something. If you do this, and your car is then stolen, your insurer will invalidate your policy.
As tempted as you might be to lie to your insurer about where you store your vehicle, remember that they will find out. Your insurer will ask you how such a thing is possible when you told them your car was secure.
Read up our top ten car accessories to keep your car secure. Though it can be a costly endeavour, many drivers see it as a worthy investment in order to make their car feel more unique and suitable for them.
Unfortunately, these costs can skyrocket once your insurer finds out. Whilst this is great if you intend to sell your car in the future, it can also lead to higher premiums. The higher the value of your car is, the greater the risk is of car theft. If you end up in an accident, the cost of repairs will end up being much higher than they would have been previously due to your modifications. They will then be able to tell you whether the changes will affect your premiums.
They will then invalidate your insurance as a result. What you might be wondering, however, is what the exact consequences will be. Well, here are just a few:. Though it might not be the most riveting read, it will save you in the long run. Consumer Intelligence, July Carys Frampton 28 January Updated 27 October 6 minute read. Lying to lower your price Tempting though it may be to bend the truth around your occupation or how far you actually drive during the course of a year to lower your premium, any fibs you tell could result in your insurance policy being worthless.
Not keeping in touch If anything changes during your policy term you need to let us know — obviously this is anything noted on your policy schedule!
Other drivers using your car Only you and your named drivers should be using your car. Only drivers named on certificate are fully covered to drive your car. Not looking after your car You need to make sure your car is kept in a roadworthy condition at all times and make sure all maintenance work is carried out as soon as is needed. Glossing over accidents No matter how big or small you have to let us know about any incidents your car is involved in.
What car modifications void your insurance? Share with your friends Check out our related articles. This handy guide helps you understand why telling us the correct information can help avoid invalidating your insurance.
What happens if your car insurance is invalidated? Keep your details updated This is not a comprehensive list but people often forget to update the information below and this can lead to your policy being invalidated.
Change of car If you sell or change your car please let us know. Change of address Your address can affect your premium and where you park can have a big impact on your insurance, tell us of any changes each time. Named drivers on your policy This must be kept up to date, for example, are there any drivers that need to be added or removed from your policy, if they drive your car or did in the past.
Change of job or career Employment is a vital bit of information used when calculating premiums. Penalty points and convictions If caught speeding or committing any other crime, tell us right away. Missed monthly instalments If you pay monthly, make sure your payments are made on time and in line with your Direct Debit agreement.
Honesty is the best policy If you're caught lying, the insurer has the right to cancel your policy or charge the correct premium as a lump sum. What might happen Anyone found to have deliberately lied on an insurance application can expect to be blacklisted by insurers. Where is your car kept? Car modifications Tempted to add a new spoiler, alloys or tune-up the engine?
What is fronting? Social only Normal day-to-day driving like shopping and visiting friends and family. Social and commuting As above and for using your car to commute to and from a single work location.
Business use As above and for using your car to commute to more than one location for business regularly. Getting the mileage right Your annual mileage is one of the main factors used to calculate your insurance. Keeping your keys safe If you leave your car unlocked or the keys in the ignition this will invalidate your insurance if your car is stolen. Taking care of your car Looking after your car is very important.
Tell us about accidents and any claims You must tell us straight away if you have an accident and we can help you get back on the road. Pay attention to warning signs Always take notice of warning signs e. Taking money for lifts Car sharing and helping family and friends out with lifts now and again is all part of life. Driving abroad Never assume your policy covers you when driving your car abroad. You can find your policy documents in your account area.
Manage my policy. Share it with your friends.
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