5 ways you could be invalidating your car insurance

When you’re a motorist, car insurance is non-negotiable. As well as a legal requirement, it offers protection should your car be stolen, broken into, or involved in an accident.  However, there are things that you could be doing that could prevent a payout in the event of a claim - and you might not even realise you’re doing them! 

Here are some of the ways in which you could be invalidating your car insurance… 

Eating or drinking at the wheel 

Snacking on the move? Eating and drinking whilst driving are viewed as distractions in the eyes of the law, to the point where this alone could land you with a fine and points on your licence. It could also invalidate your insurance policy, so it’s best to park up in a safe place if you’re feeling peckish! 

Not clearing your windscreen properly

Being unable to see out of your car mirrors, windows or windscreen is considered dangerous, so if there’s something stopping you from seeing out of your car properly, it’s a problem. This includes smears, condensation, and frost.

Watch out for snow on the roof too - it can easily fall or fly off whilst travelling, causing an obstruction to you or another driver - make sure you clear it before you set off.

Wearing inappropriate footwear 

Heading to the beach? Swap the flip flops for something more sensible whilst you’re driving. Whilst footwear such as flip flops, slippers and high heeled shoes aren’t considered illegal to drive in, they could jeopardise any insurance claims. They can easily hinder your ability to operate the pedals safely! 

A change of circumstance 

If you’ve moved house or changed jobs, not telling your insurer could mean that any claim you make could be invalidated. Make sure you put a phone call to your insurance provider on your to-do list if your circumstances are changing. 

Underestimating your mileage 

Pulling a number out of the air for your annual mileage just won’t cut it - going above it could prevent a payout in the event of an accident or theft! Annual mileage is a big factor in the premium you pay, so make sure you’ve accurately calculated the distance you’re likely to cover.