Ways to Avoid Invalidating your Car Insurance

Car insurance is an expensive necessity, so it’s crucial that you maintain your policy’s validity by sticking to the terms of your agreement. Despite this, some people invalidate their policy without even meaning to.

Most people invalidate their car insurance by not disclosing or deliberately withholding information, which is important to the insurer. Not declaring certain information can have financial repercussions, as already suggested, but also legal ones, as deliberate deception constitutes fraud.

One thing which needs to be disclosed to your insurance provider is any speeding points or other driving convictions, be they old or recently sustained. This applies not only when obtaining a new policy but also when renewing your current one.

Unfortunately, any driving convictions will inevitably mean a higher premium, as the driver is deemed a greater risk, but this is no reason to risk invalidation of your policy or criminal proceedings.

Another piece of information that needs to be conveyed to the insurer when taking out a new policy or renewing an existing one is details of previous claims made.

People are dissuaded from doing this by promises of a cheaper policy. However, if it appears they have not made a claim, withholding this information also risks invalidating your policy. Not only this, people who deliberately withhold this information could face even more serious action.

A change of postcode instantly invalidates any insurance policy, and upon moving you should seek a new quote from your insurance provider immediately.

The same applies to a change of job. In general, it is best to let your insurance provider know whenever a change of circumstances occurs, as not doing so risks your policy becoming invalid.

Do not allow unnamed drivers to take the wheel, as they are uninsured and anything they do while in the car will not be covered. Insurance is invalid when a person that is not a named driver is in control of the vehicle, so this is a risk that is not worth taking.

Driving without insurance is not only a crime, but risks your policy. Another legal requirement is a valid MOT, and letting yours expire will invalidate your car insurance.

It is best to be aware of when your car is next due an MOT, as this will keep your insurance valid as well as making sue your car is roadworthy.

Remember car insurance is a legal requirement, and does not have to be massively expensive if you shop around. It’s always advisable to compare and contrast policies and prices. Its also woth looking out for online discounts, the Co-operative bank offer a 10% discount to customers buying car insurance online.