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Five things that could invalidate your insurance

Five things that could invalidate your insurance

When you pay for car insurance, you’re agreeing to certain terms that you may not be aware of if you don’t read the fine print.

This can be troublesome, because if you need to make a claim and the insurer spots the errors they could refuse to pay out.

With this in mind, here’s a list of the key things to bear in mind when taking out insurance to make sure everything is in correct order.


Modifications

While you might think that modifying your car is the preserve of boy racers, a survey of 2,000 motorists last year found that nearly half have modified their car in some way. Furthermore, these modifications cost over £500 in more than a third of cases.

This could be a problem, because the vast majority of insurers require you to notify them of any modifications as this can affect the price of the premium because of increased performance or a higher likelihood of theft.

 

Fronting

Every year, thousands of young drivers pass their driving test and are faced with the harsh reality of the most expensive premiums of any age group. One way to get around this is known as ‘fronting’, which usually sees an older relative take out a policy and include the younger person as a named driver.


If the younger person is the main driver of the car and the insurer finds out, the policy and any claims can be cancelled.

 

Out of date address

One of the things that affect your insurance cost is where the car is kept, with every postcode given a risk factor based on statistics such as crime and theft in the local area.

While it can be tempting to put down a different address, or simply not update your address if you move to an area that would push the price up, the insurer can refuse to pay out if the address is wrong.

 

Failure to report an accident

Sometimes when drivers are involved in minor incidents, they’ll decide to deal with the incident at the roadside rather than going through insurance to protect their no claims bonus.


However, it’s recommended that even in this case you report the incident to your insurer to cover your back in case the other driver changes their mind and makes a report.

 

Commuting

There are typically three types of insurance cover: social only, social and commuting, and business. If you try to make a claim and it can be proved you were using the vehicle outside of the agreed parameters, your claim can be refused.


A spokesperson for CarParts4Less, the company behind the study into insurance, said: “While it may be tempting to bend the rules to pay for a cheaper policy, it’s never worth it, and will often lead to you paying substantially more in the long run.

“It’s important to always read the terms and conditions of your car insurance policy, to ensure that you have not accidentally invalidated the policy. Keep your insurance provider up to date with any change of circumstances, regardless of whether or not you think it’s relevant. It’s better to be safe than sorry.”

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