Home Science Your car insurance policy could be invalidated right now with this common...

Your car insurance policy could be invalidated right now with this common mistake

Your car insurance policy could be invalidated right now with this common mistake 1

Car insurance firms may not pay out because adding a football sticker to a vehicle could make your car more of a target for criminal damage, according to a study from Auto Express and British Insurers Brokers’ Association. The sticker could be deemed a political statement which they say adds risk to vehicles from an insurer’s perspective. Adding a sticker could also be deemed as modifying a car which can invalidate a policy if a driver fails to inform providers. Car stickers can also land you in trouble with the law if officials deem the logo to be distracting to a driver’s view of the road.

Modifications can be deemed as simple as adding features that were not part of the vehicle when it was first supplied to a customer.

Even factory-fitted features could be deemed as being modifications to a car as this could make a vehicle more attractive to thieves.

Football stickers are available at a cheap price online and around stadiums and fans often stick these on to show their love for a club.

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AutoExpress has urged drivers to not put stickers on their car which could make their vehicle a target for vandals.

They say drivers should keep their opinions to themselves in fear of causing damage to a car from supporters who do not agree with their tastes.

This applies to a whole range of stickers and is not just football related. Political messages or statements can also be a cause of increased vandalism.

In a statement, Hugo Griffiths, Auto Express Consumer Editor said: “While some additions to your car are obvious candidates for telling your insurer about, many motorists will be surprised by the strict definition of modification, and how even a sticker in the back window could void your policy.”

Putting stickers on a car will not always invalidate your insurance policy and some firms will offer cover for cosmetic modifications to a car.

However, this will still raise costs by around five percent due to the added threat to a particular vehicle.

Driving with a sticker on a windscreen could even land you with added police fines and points on your driving licence.

Stickers may be viewed by some officials as obstructing a driver’s view of the road which constitutes a dangerous driving offence.

The Highway Code says car windscreens and windows must be kept clean and free from obstructions to vision.

If a driver is deemed to have been distracted, officials can slap a £100 on the spot fine and three points on your driving licence.

Drivers could then be charged up to a staggering £1,000 if the fine was challenged in court.

A vehicle could also fail its annual MOT test if it is believed something in the windscreen is causing a driver to be distracted behind the wheel.

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According to the AA, drivers should not have a windscreen sticker or obstruction covering more than a 10mm area. 

Daily Express :: Life and Style Feed


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