Even though you don’t have to worry about your car insurance not covering you for non-essential travel, it’s still important that the details you give your insurance provider are 100% accurate. How a driving conviction will impact your quote. In all of these scenarios, the insurance company is required to send you a notice informing you that your coverage is to be suspended at some future date, typically at least 30 days out. You should follow Government restrictions, but if you do use your car for non-essential travel, you will not risk invalidating your car insurance.”, A Uswitch spokesperson added: "This was a grey area and we're pleased it has now been clarified. Update: Well thanks for the excellent answers and thanks for the torrents of abuse . Related. T&Cs | Privacy | Cookies© 2021 Immediate Network Ltd. All rights reserved. Admiral is a direct insurer so unless you’ve got the quote online, over the phone … Award-winning, independent and impartial advice on buying, financing, owning and running a car, We analyse and aggregate dozens of media reviews for each new car into an overall Expert Rating, The latest news from all the major car brands and across the automotive industry. I am entitled to the insurance information about the vehicle detailed above for one or more of the following reasons: It is either registered/ owned/ insured by me or my employer; I am permitted to drive it; I am an Insurance Broker or agent and acting on behalf of my client. Picture: Getty Images … We know everyone’s circumstances are different, which is why we look at policies on their own merit. Car insurance could be invalid if you drive during lockdown. was told by Greenlight I cant even drive to the Mot test as the insurance is invalid and car has to be towed or transported. Insurers cannot … However, there is a difference between police issuing a penalty for you not having the correct insurance and an insurance company refusing to pay out. From providing false information, whether it was by accident or purposefully, to driving in flip flops and high-heels, there are many ways your car insurance can become invalid or void. If you have a motoring conviction, insurers will see you as a greater risk and your insurance … There is now way I can afford this and I was under the impression the insurance company would pay for the other car but not my car. There have also been (unverified) claims on social media over the last week or so that drivers are being fined and/or issued with penalty points on their driving licences if they are using their car for commuting to work when their policy doesn’t allow it. Insurance Ireland has clarified that a post doing the rounds on social media is false. Yes, your insurance policy will still be valid. When asked directly by The Car Expert today (9 November), a spokesperson for the ABI said: “During lockdown the Government has advised against all but essential travel. Read your car insurance policy booklet thoroughly or talk your cover through with your car insurance broker, so you know precisely what is and isn’t allowed. Cars are not insured when they are driving … Follow 22 answers Motor insurers continue to cover those using their vehicle for commuting to work and NHS volunteering without you having to first tell them. Too bad the telly motormouth didn't hear it, says Fleet Street Fox, John Le Carre's actress sister Charlotte Cornwell dies after cancer battle - weeks after author brother, Charlotte Cornwell's death comes a month after her brother, author John le Carré, died aged 89 after falling ill with pneumonia, Five-month-old baby boy killed and mum fighting for life after van collides with pram, Man turns himself into 'black alien' by cutting off nose and slicing his top lip, WARNING IMAGES SOME MAY FIND DISTRESSING: Anthony Loffredo had his nose removed in Spain as it is illegal in his native country of France. If you're driving, don't drink. Your DUI mess. Whilst it’s not specifically illegal to wear wellies at the wheel, it's … This is untrue. The thing is, your drink-driving conviction is only the start of it because you’ll be on the bus or trying to cadge lifts from friends and family every time you need to go anywhere. 2. But some are still muddled about the specifics on how much they can drink and still be able to hop in the car. Most full coverage car insurance policies follow the car, not the driver, which means your insurance will kick in if someone else gets into an accident while driving your car. If you need to drive for your job you’ll be joining the ranks of the unemployed and that will take its toll on your … Drivers are being warned their insurance may be ­invalid for non-essential journeys during lockdown. It makes sense if you put a new engine in, lower the suspension and add racing seats, that you tell your insurer. So if you lend your car to your best friend, your sister or even your second cousin, your insurance is most often the insurance … This site uses cookies to improve your experience. This article replaces a previous version from April 2020, and has been largely re-written to address ongoing speculation about car insurance validity during the latest coronavirus lockdown. Car insurance could be invalid during lockdown. My insurance company said that I could continue to be the main policyholder but (obviously, d'oh) I couldn't drive the vehicle while my ban was still in force. In recent days, there has been mounting concern and speculation online that motorists who are not on an essential trip could be invalidating their car insurance. Many people are under the false impression that if they have an accident while over the legal drink drive limit their car insurance policy will become completely invalid and void. "If you’re unsure about cover during lockdown speak to your insurer for clarification.”. You should follow Government restrictions, but if you do use your car for non-essential travel, you will not risk invalidating your car insurance.” A Uswitch spokesperson added: "This was a … Moving house could see your policy get cheaper or more expensive, but you need to tell your provider immediately. He also drove about 25 miles to Barnard Castle to test his eyesight in case it was affected by Covid. As the UK moves in and out of lockdown restrictions like some really unappealing game of hokey-cokey, there have been plenty of questions arising from motorists about what they can and can’t do with their cars. Check your Driving Licence Online. Does it need to be insured? If you feel your car insurance has been unfairly made invalid or void by your … Unfortunately, this has not been helped by misinformation being spread on certain issues. A car insurance policy is really a two-way street; the insurer is agreeing to cover you for damage to your car and other people’s property, but you’re agreeing to make sure you and your vehicle consistently meet a certain set of standards. But motorists may also have to pay for any accident damage. The origin of this appears to be an insurance-switching organisation that published a press release last Friday, saying: “you may find your car insurance policy won’t cover the damage and you could end up paying thousands of pounds for repairs”. Your car insurance won't necessarily be invalid if you're drink driving. The Car Expert has the answer. Beyond the danger to the lives of you and others, it can land you with a hefty fine, a driving ban and even a lengthy prison sentence. Car insurance void after an accident. There are currently five offence codes relating to drug offences: Taking all your friends out for a drive Sometimes they’ll include recommendations for other related newsletters or services we offer. Please read below for the full story and ignore speculation in social media or tabloid newspapers. Ignoring your morning commute. We’ve put together this helpful guide with ten points to check: Part of the confusion about whether your car insurance is valid may be coming from police forces across the running a co-ordinated crackdown on uninsured drivers. Leaving home without ­“reasonable excuse” may mean a £200 fine under Covid rules. If I have to drive to work instead of using public transport, will my car insurance still be valid? This incorrect information was picked up and used for articles by several newspapers and websites over the weekend and today, including Sky News, the Daily Mirror and several regional news organistions. This is one that less people are vigilant about, but it’s absolutely crucial to keep in mind. In the interest of clearing up the confusion, here's what you need to know. Thanks for clearing the air! Our. Driving can be an empowering experience. If you’ve excluded a driver from your auto insurance policy, e.g., because his driving record is poor and it could save you money to exclude him, your coverage will not pay for damages he incurs in the vehicle … Is your car insurance invalid if you drink & drive? This is not a recommendation to drink drive however. Worn tyres. However, if you are a Community First Responder or other ‘Blue Light’ volunteer, you should contact your insurer or broker to inform them. 10 November 2020, 11:12. GAP insurance and warranty offers from ALA | Warranty offers from Warrantywise | Sell your car with Motorway | Cars for sale from Carsnip, Award-winning, independent and impartial advice on buying, owning and running a car, We compare reviews from 25 motoring websites to bring you a definitive rating for every new car, All the most important new car launches, model updates, car reviews and industry news, Our commercial partners bring you exclusive offers on their products and services, Car buyingCar financeCar ownershipCar insurance, Latest ratingsTop-rated carsTop-rated SUVsAll ratings, About usMedia appearancesPartnersAdvertising, The Van ExpertThe Truck ExpertCommercial Vehicle EngineerImmediate Network. UPDATE, November 2020: There has been a lot of confusion in recent days about whether your car insurance is still valid, fuelled by misinformation from an insurance-switching company. While it’s true that you don’t need to update your current policy to add ‘commuting’ if you are now driving to work as a result of Covid-19, you should probably do it anyway. Insurers take your postcode into account when setting your car insurance premium, as certain areas are deemed riskier than others. Now all that is over, 3 and half years down the road, I have just received a bill from the insurance company for £34000. My car is parked on the road but I don’t drive it. But if you're thinking of cancelling your car insurance to save some … Using your car on a race track, even for driver education. Your car's number plate is proof that you have liability insurance. If you get behind the wheel of your car when you’re over the legal blood-alcohol limit of 50mg (or 0 for Learner and Restricted license holders under 20), your car insurance won’t cover you for any resulting claims. It’s illegal to park on the road without it. More car insurance news and advice at The Car Expert, The best websites for checking a car before you buy, New car colours – it’s a bit of a grey area, New car market ends crazy year on a low note. The owner of the car has also committed an offence if … A spokesperson for the Association of British Insurers said: “During lockdown the Government has advised against all but essential travel. Could you be invalidating your car insurance? However, with thousands of people working from home, they may be using their cars to carry out extra tasks during the coronavirus outbreak, which may be a breach of their policy terms. Few people would disagree that anyone who is found to be over the drink-drive limit should not be able to make a claim from their insurer for damage to their vehicle or themselves. But after a few weeks I changed the policy into a friend's name because having a banned driver as the main policyholder meant that every time the car was scanned by cop car cameras, it was flagged up as a possible banned driver. And when your policy is up for renewal (or you choose to switch to another insurer), then you do need to update this information as you will be taking out a new policy. During the application process, we require additional details from the applicant that relate to their conviction. Think of it this way: the car insurance typically follows the car, not the driver. Did you know that wearing ‘inappropriate’ … 2. … It’s well worth a read. This was also picked up by tabloid media and some other news sites. However, if you've been in an accident whilst driving under the influence, your insurance company could refuse to pay out … However, if you drive drunk and cause a car accident, your car insurance policy will pay for damages you cause -- up to the liability limits of your policy. My classic car policy does not cover me in the event of drink driving (they will not pay for repairs to my car nor the third parties), the third party would sue me for repairs to their car and i would have to repair my car). explains more about how we use your data, and your rights. I got banned and fined. Even though you don’t have to worry about your car insurance not covering you for non-essential travel, it’s still important that the details you give your insurance provider are 100% accurate. First, take the right step with your choice of footwear. If you want to get back on the road after a drink driving conviction, you might find that car insurance is less affordable than before. On its own, the fact that you have cancer doesn't make any difference to getting or keeping a driving … the terms of the insurance … Convicted Driver Insurance and Drink Driving Insurance. Having cancer could have implications for your driving licence and motor insurance. Car insurance is a great thing to have, but you should make sure you’re not doing anything that could void your insurance if you need to make a claim. Cancer, driving and motor insurance. Experts have warned about car insurance during lockdown. Using a middle-man. We’ve come a long way since that first advert was screened, in cutting the carnage from drink driving on our roads. Driving while drunk can result not only in a costly fine and jail time if you are caught, but also put you at significant financial risk if you have an accident resulting from your overindulgence. Read below for the Association of British insurers said: “ during lockdown the has! 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