Insurance Nottingham

Insurance, Nottingham

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Am I covered?

Many people apply for insurance, briefly scan the terms and conditions, and assume they're entitled to drive their car, their neighbour's car or even their wife's car.

In many instances this isn't the case and you can quickly end up in a situation where your insurance is invalidated and you're facing a hefty bill, penalty or worse. So what can invalidate your insurance?


This is the most common way of invalidating an insurance policy. It is when you inform the insurers of something that isn't true, be it that you park on the street and not in a garage as claimed, or giving incorrect details about your car.

Switching your job can also cause issues, as various jobs have different risks and consequently more expensive policies. You can also invalidate a policy if you don't report an accident that could result in someone making a claim - even if you've settled it yourself.


As insurance is so high for young drivers 'fronting' is becoming increasingly common. This is where the parent insures their child's car in their own name and adds the child as a named driver. This process is fraudulent as the insurers have been misled and the policy will not have been priced according to the risk.

If you are caught then the insurer can cancel the policy or charge the extra premium as a lump sum. They can also refuse to pay out for any accidents that have occurred, which can lead to the younger driver being classed as uninsured and receiving a ban and a fine.


Exceeding your mileage limitations?

In the majority of cases it's not an issue if you exceed your mileage limitation - a simple phone call usually sorts it out. If you are involved in an accident though, and haven't declared the additional mileage, some insurers impose and increased excess whilst others could deny the claim

Modifying your car

Insurers charge higher premiums for modified cars, so not informing them of any changes to your car can be tempting, after all what's the worst that could happen?

If you don't inform them it can make a claim much more difficult and sometimes even void your policy. Even if you only do something minor like changing badges, insurers potentially have reason to invalidate your policy as the risk has changed.

Leaving your car unlocked

Almost all policies include a clause that will exclude cover if the keys are left in the vehicle, or if it is left unlocked and unattended. You may think that it's rare to leave your car unlocked or with the keys in it - but have you ever left it outside running to defrost during winter?

Driving another car with 'D.O.C'

Sometimes your policy will entitle you to drive a car belonging to someone else (usually excluding your spouse) - but with third party cover only. Your own policy will not cover any damage to the car, although the owner's insurance may cover it if the car is stolen or requires repair.

Sometimes the policies state that other cars can only be driven in an emergency and you must have the owner's permission to use the car. You cannot use it to drive cars that are on a hire purchase agreement.

Most policies do not require the third party car to have its own insurance but it is worth checking - as a policy that allows you to drive otherwise uninsured cars is more useful than one that allows you to drive only currently insured cars.



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