Being insured on the road is important (and a legal requirement), not only for your peace of mind but for the peace of mind of every other driver on the road. It is unfortunate, then, that so many people are unwittingly invalidating their insurance.
If you don’t want to get caught out, check out these common causes of invalidated car insurance:
Paying No Attention to Flood Warning Signs
If you drive through a flood warning sign, ignoring the message, your insurance company has every right to invalidate your claim should your vehicle be damaged by the flood waters you willingly drove into. That’s why it is always important that you pay attention to road signs and act accordingly. It isn’t just flood warnings that could invalidate your insurance either – various roadworks can cause problems if you drive through them, and your insurance would not have to pay out providing they were clearly signposted.
Driving with Your Sat Nav
Using your sat-nav is usually a good idea, if you’re sensible about it because it will get you to exactly the place you need to be without too many issues or costly detours, but if you aren’t paying attention and you follow your sat-nav blindly into a river or off a cliff, if you’re lucky to survive, your car insurance will probably won’t pay out. You, after all, are ultimately responsible for your safety and the safety of your vehicle on the road. You can’t expect a payout if you’ve driven off a cliff due to your own negligence!
Neglecting Your Car
If you don’t take good care of your car, ideally by booking it in for regular, vehicle appropriate log book servicing at http://www.autoco.com.au/log-book-servicing/ after every 10,000k, should your car cause an accident due to faulty brakes or unsafe tyres, for example, if the insurance company can prove you haven’t been keeping your car in good condition, you could be in serious trouble without your insurance company to bail you out. Please, for everyone’s sake, make sure your car is always in a good roadworthy condition!
Not Declaring Modifications
If you wish to modify your car, providing you’re not planning on doing anything really unusual or illegal – see https://www.keithmichaels.co.uk/modified-cars-insurance/a-guide-to-legal-car-modifications-in-the-uk/ -your insurance company should be fine with you doing so, but you do need to declare any modification you make to them, or they could declare your insurance invalid.
Leaving Keys in the Car
Leaving your keys in the car is clearly a stupid thing to do, and should some neer do well decide to steal your vehicle, you’ll probably be laughed off the phone when you call up to make a claim with your insurer. It only takes a couple of seconds to check you’ve removed the keys from the ignition, so do it!
Not reporting All Accidents
If you have a minor accident on the road, it can be tempting to take the hit yourself and pay for any repairs out of your own pocket, so as to not damage your no-claims bonus,but you should still inform the insurance company of the accident because, if you don’t, they could refuse to pay any future, more serious claims that you can’t afford to cover yourself.
If you can avoid doing these things, you will be able to drive with more confidence on the road, knowing that your claim will be paid in the unfortunate event that something does go wrong.