Five ways drivers could accidentally invalidate their car insurance policy this summer

Morning Live: Expert shares tips on car insurance

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Mistakes such as not informing insurance firms of a new address, minor accidents or modifications could all see cover axed. Drivers who lose their cover will not receive any money when they claim on their agreement which could see drivers fined to pay out for expensive repair bills. Invalidating cover could also see road users blacklisted and make it harder to receive affordable cover in the future.

Lying about your address

According to experts at CarParts4Less, insurance premiums can often depend upon the postcode where you live.

Some areas have higher rates of theft and break-ins which will see premiums rise.

Because of this, it may be tempting to put down somewhere you don’t stay every night if crime rates there are lower.

This could be your parent’s house or a partner where you stay a few nights a week.

However, insurance firms have investigative departments that look into claims and can refuse to pay out if this does not match up with what you have stated.

Not telling insurers about car modifications

Forgetting to inform insurance firms of any new modifications could see firms refuse to pay out for any claims.

Modifications can affect the overall price of premium if they increase the likelihood of an accident or theft.

Optional add-ins can include something as small as a “sat nav so drivers must make sure they keep insurers in the loop at all times.

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Not informing insurers about accidents

CarParts4Less says it is common for motorists to have their car fixed without making a claim.

However, drivers are warned they must always inform insurers of any damage if they intend to not make a claim.

CarParts4Less said: “​​This helps in the event that the other driver changes their mind and decides to claim.

“[It] also ensures damage is accounted for if you do need to claim after future incidents – damage which is inconsistent with a claim may mean that your claim is denied.”

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