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Car insurance premium mistakes that could invalidate your premium | Cars | Life & Style

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Drivers in the UK could be making simple errors that could invalidate their car insurance premium. 

New research has revealed that these errors may mean drivers are risking up to £114million in rejected car insurance claims due to these slip ups. 

Putting off car maintenance, forgetting to MOT your car on time or renew your car insurance are all common issues that can invalidate your policy. 

According to the research by uSwitch.com, almost two thirds of motorists (63 per cent) are making errors which could leave them out of pocket. 

Other simple and potentially costly mistakes drivers are making include drivers failing to lock their cars in a hurry and 25 per cent of motorists admit to not changing out of inappropriate driving shoes. 

Some other UK drivers are also forgetting to update insurers when changing jobs or addresses, hanging fluffy dice from their rear view mirror and underestimating their every day mileage.

The research also revealed that a quarter of drivers are unaware of how these little errors can result in an insurance provider now paying out, while over a third admitted that they had forgotten how these behaviours might impact their insurance. 

As young drivers head off to university or move away from home in search of a steady job, they are three times more likely than their parents to invalidate their insurance by not updating their address.

The latest data from the Association of British Insurers (ABI) shows that over 43,000 car insurance claims are rejected a year.

With the average insurance claim now £2,671, motorists could be losing as much as £114.85 million from claims being rejected each year, showing that these small mistakes can be very costly.

Rod Jones, insurance expert at uSwitch.com, says: “We know the British public are increasingly time poor, so it’s unsurprising that motorists can be forgetful when it comes to locking up their cars or renewing their car MOT and taxes on time.

“With claims now running into the thousands of pounds, people can’t afford to make a careless mistake that could invalidate their cover and leave them out of pocket. 

“It is therefore really important that drivers note down their key renewal dates, and avoid making the easy to forget mistakes to ensure they are covered by should they ever need to make a claim.”

Top 10 mistakes drivers make that may invalidate car insurance 

1. Wearing high heels or flip flops while driving – 25 per cent

2. Leaving car unlocked – 24 per cent

3. Putting off car maintenance when required – 21 per cent

4. Forgetting to renew their car MOT on time – 16 per cent

5. Letting pet(s) roam free in the car – 15 per cent

6. Lent car to a friend or family member – 14 per cent

7. Not updated details after changing jobs – 9 per cent

8. Attached fluffy dice, or another object, to rear-view mirror – 9 per cent

9. Forgotten to renew vehicle tax on time – 9 per cent

10. Underestimated mileage travelled everyday – 8 per cent

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