The four things you should never do if you don’t want your car insurance claim refused

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Car insurance companies are entitled to refuse to pay out on claims if they believe a motorist has not followed a policy correctly or failed to provide basic care and attention to their vehicle. Motorists must take strict precautions to avoid being caught out and ensure they do not lose cover when they need it after an accident.

Be honest about everything 

Lying when it comes to your car insurance is dangerous and almost anything could invalidate an agreement in the event of an accident.

What you use your vehicle for is one of the most important questions a car insurance company will ask and motorists must be honest about their intended use.

There are different policies for various classes of use and failing to tell a company how often you drive the car or for what purpose could see you given the wrong type of policy.

Lying about who is the main driver on a car is also common as desperate parents attempt to reduce their son or daughter’s premiums by placing themselves as the main driver.

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Motorists cannot accept money for giving lifts (Image: Getty)

Where you live and the crime rate of an area can have a major bearing on the price you pay for cover and forgetting to update this will also invalidate your agreement.

Failing to declare penalty points is also a major issue for car insurance companies and this should not be forgotten when making an application.

Most of these factors will invalidate your cover because motorists may need to pay more in their monthly costs.

Living in a city and being out on the road for long hours will mean you are required to pay more per month than those who live away from danger.

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Lying about these important factors in an attempt to pay reduced monthly premiums could be deemed insurance fraud which is a criminal offence.

Don’t get too adventurous 

Motorists have some responsibility for their car and insurers could invalidate your cover if you have been too adventurous behind the wheel.

Driving through deep flood water may seem harmless but insurance providers could refuse to pay out for damage if they deem it your own fault.

Having an accident while speeding or driving aggressively could also invalidate cover and cause motorists to pay for their own repairs.

Don’t make your car an open target 

Making your vehicle a target for thieves will leave car insurance companies invalidating your policy and refusing to pay out for repairs or damage.

Most car insurance policies will have a clause preventing you from leaving your keys in an ignition unattended.

During cold weather, thieves wait around for motorists to turn on their engine and then head back inside before stealing the car.

The phenomenon is known as frosting and vehicles are taken every five minutes during the winter according to the Central Motorway Police Group.

Making simple upgrades to a vehicle can invalidate your cover for making the vehicle more attractive to thieves and criminals.

Installing cosmetic features such as a new stereo or body kit is likely to make the car more of a target for thieves and insurance providers will invalidate cover unless you declare this.

Performance upgrades will also invalidate your cover unless this is relayed to the car insurance provider before claiming on an agreement.

Upgrades to key vehicle parts will make your car faster and potentially more unstable which increases the risk of having a car crash.

Don’t take money for journeys 

Your policy could be invalidated by making a profit by dropping someone off.

Motorists are legally allowed to accept money to pay for vehicle running costs such as petrol but are banned from accepting profits unless they are a registered taxi company.

Some road users have profited through offering lifts with several social media groups offering journeys for cash payments.

More than 7,000 people were members of a closed group in Bournemouth as illegal ride-sharing extends to an industry in its own right.


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