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7 Things That Could Invalidate Your Car Insurance

28 February 2020 | 0 comments | Posted by Jane Evans in Petrol heads

Reasons car insurance can be invalid

Taking precautions when it comes to your property safety and making sure all aspects of your ownership are in accordance with the law are some of the crucial obligations you have as a proprietor. When it comes to insuring your farm, family home, or personal vehicle, there are specific rules to follow to ensure you don’t unwillingly invalidate your premium.

Here are the seven mistakes to avoid if you want your car insurance to always stay legally valid.

1. Registering the wrong class of car use

The type of vehicle use you choose when opting for specific insurance is a very important factor that you shouldn’t oversee. There are several aspects of accident risk that depend on the way you plan to use your vehicle, so your insurers have to know your intentions beforehand.

2. Listing the wrong address as your main one

Whether you’re going to register your car on your private or business address, or even a home or business address of a friend or family member, is entirely up to you. However, if your car is registered to one address but can never be seen parked there, your insurance is going to take the hit.

3. Miscalculating the projected yearly mileage

Although entering a lower expected yearly mileage can (and will) cut down the cost of your car insurance, should you happen to surpass it and get involved in an accident, don’t expect your expenses to be covered.

4. Messing with the identity of a person listed as the main driver

Some car owners make an attempt at lowering the cost of their car insurance by listing a younger friend or family member as the main vehicle driver. However, when the real owner actually sits behind the wheel, their insurance is null and void.

5. Modifying your vehicle without the insurer’s knowledge

Most drivers don’t know that some car modifications can invalidate their insurance. To avoid any potential trouble, make sure to disclose any adjustments you plan to make to your insurance company in advance.

6. Being an insensible traffic participant

If you’re a type of car owner who doesn’t make a habit of regularly maintaining their vehicle and driving with caution and care for others on the road, should you be involved in an accident, expect your insurance to be momentarily annulled.

7. Allowing other people to drive your car

Ensuring your vehicle for someone other than yourself to be able to drive it occasionally is legally acceptable. However, you need to do that and pay the requested amount in advance. Otherwise, if your friend or a family member drive themselves into an accident, you won’t be able to claim the premium.

Conclusion

Mistakes can happen even to those who try their best, so make sure to carefully follow this list to keep your car insurance valid at all times. Only when you maintain and use your car in ways prescribed by the law, you can be sure your premium remains safe, as well as your passengers and all other participants in traffic.

About the author

Jane Evans is a blogger from York currently employed as a full-time writer at a professional writer service. She loves to travel, meet new people and talk about literature, modern art, and new technologies. To contact Jane, find her profile on Twitter.

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