A Car accident is exactly the reason you have Car Insurance.
- However, you may be guilty of one of these five actions that can invalidate your insurance:
- Participating in lift Sharing. Even if you don't charge your lift-share passenger for the ride, your policy could be invalidated if it does not explicitly say you are also covered as a lift-share driver.
- Letting someone else drive your car. Everyone doesn't have the same car insurance policy. Your friends or family may have policies that cover them when driving other people's cars, but the policies may not cover damage to your vehicle if they're in an accident. In addition, your policy may only cover damage that occurs when a named driver is operating the vehicle.
- Driving with your pet. The Highway Code states that if you drive your pet, they need to be suitably restrained so they cannot distract you. Failing to do so is not only illegal, it could potentially invalidate your policy.
- Listing a different name as the main driver. This is Insurance Fraud, also known as 'fronting'. If you list someone with a better hisory as the named driver and you as the occasional driver to get a cheaper premium, your policy may not only be invalidated but you could recieve up to a £5,000 fine and six points on your license.
- Wearing Inappropriate Footwear. The wrong footwear cannot only prove to be a distraction but a hazard while you're driving. Getting into an accident because you were wearing inappropriate footwear could invalidate your policy.