Published On: Sat, Jul 29th, 2017

Automobile insurance coverage errors which might price drivers hundreds of thousands a 12 months – are you responsible of those?


Proving time actually is cash, drivers could possibly be risking as much as £114 million in rejected automotive insurance coverage claims on account of slip ups like forgetting to MOT their automotive or renew their automotive tax on time, or pushing aside automotive upkeep. 

In line with new analysis from uSwitch.com, the worth comparability and switching service, 63 per cent of drivers make easy errors which might lose them hefty sums, ought to they should make a declare. 

In addition to forgetting their key renewal dates, 1 / 4 of time pressed motorists confess to not locking their automobiles, whereas virtually 10 million drivers (25 per cent) admit to not taking the time to alter out of inappropriate driving footwear earlier than leaping behind the wheel. 

Different fake pas that might lead Brits to invalidate their automotive insurance coverage embody not updating insurers when altering jobs or addresses (16 per cent), hanging fluffy cube from the rear view mirror (9 per cent) and underestimating the mileage travelled every day (eight per cent). 

1 / 4 (25 per cent) of drivers admitted they didn’t realise these small errors might end in automotive insurance coverage suppliers not paying out, with an extra third (37 per cent) of drivers admitting they merely overlook that such behaviours may impression on an insurance coverage declare. 

Across the nation one in three (35 per cent) individuals in Birmingham mentioned they depart their automobiles unlocked. Whereas motorists from Wales and people dwelling within the south west of England are susceptible to forgetting to resume their MOTs on time, with 1 / 4 (26 per cent) admitting to doing so. 

As younger drivers head off to school or transfer away from house ins every of a gentle job, they’re thrice (15 pee cent) extra possible than their mother and father (5 per cent) to invalidate their insurance coverage by not updating their deal with. Nonetheless, outdated habits die exhausting and folks over 55 (29 per cent) are virtually twice as possible as younger drivers (17 per cent) to go away their automobiles unlocked. 

The newest knowledge from the Affiliation of British Insurers (ABI) exhibits that greater than 43,000 automotive insurance coverage claims are rejected a 12 months. 

With the typical insurance coverage declare now £2,671 on common, motorists could possibly be dropping a a lot as £114.85 million from claims being rejected every year, exhibiting these small errors will be expensive. 

Rod Jones, insurance coverage knowledgeable at uSwitch.com, mentioned: “We all know the British public are more and more time poor, so it’s unsurprising that motorists will be forgetful on the subject of locking up their automobiles or renewing their automotive MOT and taxes on time. 

“With claims now working into the hundreds of kilos, individuals can’t afford to make a careless mistake that might invalidate their cowl and depart them out of pocket. 

“It’s due to this fact actually vital that drivers be aware down their key renewal dates, and keep away from making the east to overlook errors to make sure they’re lined by ought to they ever must make a declare.” 

Prime 10 errors UK drivers make which will invalidate automotive insurance coverage: 

1. Carrying excessive heels or flip flops whereas driving (25 per cent of UK drivers) 

2. Leaving automotive unlocked (24 per cent) 

three. Laying aside automotive upkeep when required – (21 per cent) 

four. Forgetting to resume their automotive MOT on time – (16 per cent) 

5. Letting pet(s) roam free within the automotive (15 per cent) 

6. Lent automotive to a buddy or member of the family (14 per cent) 

7. Not up to date particulars after altering jobs (9 per cent) 

eight. Connected fluffy cube, or one other object, to rear-view mirror (9 per cent) 

9. Forgotten to resume car tax on time (9 per cent) 

10. Underestimated mileage travelled on a regular basis (eight per cent) 

Martin Lewis, money saving expert, revealed a new policy in April which will help reduce the cost of your car insurance.


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