How stickers could void your car insurance
Stickers saying you love God could mean your car insurance is cancelled, but they’re far from the only thing that can void your car insurance. Here are 6 of the more unusual.
If you’re a vicar, putting stickers on your car proclaiming your love of God isn’t exactly unreasonable. But for one vicar earlier this month, doing just that almost invalidated her car insurance.
Reverend Wena Parry, 75, sent photos of her car as part of a claim, only for the insurance company to say she had 10 days to explain why she hadn’t told them about the stickers and warned “the policy may be declared void”.
In a letter Age UK Insurance said: “These modifications do not fit our acceptance criteria for motor insurance. Cover would have been declined if we had been made aware of these at the time of purchasing your policy.”
While the insurer did, eventually, pay out this time – stickers aren’t the only thing that could void your cover.
Insurance expert Rod Jones from uSwitch.com takes you through six other things you probably didn’t know can mean you’re blocked or pay a lot more for car insurance:
1. Your credit report
When deciding whether to offer you a policy, insurers can check your credit score and use this information to decide on your ability to pay by monthly direct debit. Your credit report details all your financial history and a low score can mean insurers are less likely to offer you the options to spread your payment over several months.
2. Changing jobs
Your occupation can have a massive impact not only on the price of your premium but also your ability to make a claim. If your job changes in the middle of your policy, it’s important to let your insurer know – different jobs come with different inherent risks and insurers rate them accordingly. In addition to this, if you come to claim and your job is different to the one listed, this could invalidate your policy.
3. Doing a speed awareness course
Even if you complete a speed awareness course rather than take points on your licence, some insurers will ask for this information when you apply and it could affect your premium.
4. Being hit by someone else
If you are involved in an accident and neither party accepts blame, insurers put a note on your record that your claim is in dispute. This means that if your policy comes up for renewal during this period, your premium could go up, even if the accident was not your fault. Once the claim is resolved and you’re not longer at fault, it’s important to notify your insurer as you may be entitled to receive a refund on the higher premium you were paying.
5. How the car is used
Whether you use your car for work or social purposes will affect how much your premium costs. For example, using a car for work could mean you travel long distances to commute or travel around during the day, whereas social use could mean you only drive evenings and weekend – both of which could have an effect on your premium.
6. Medical conditions
If you have a medical condition that could affect your driving, you need to let your insurer know – if not, any time you come to claim your policy may be invalid.
Lower you premium
While there are a lot of things you can be charged extra for, there are also a fair few ways to save.
We’ve found six ways to lower your car insurance premium, which can all be used even after you’ve compared car insurance to find the cheapest quote.