This blog will identify six ways that you can void your car insurance so that you are aware while driving.
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There are clearly obvious mistakes that can void a car insurance claim, such as driving under the influence of drugs or alcohol, or not paying your premium. However, there are other ways that while minor offences, could also impact your insurance claim. This blog will identify six ways that you can void your car insurance so that you are aware while driving.
Reckless driving can void your car insurance, should you need to make a claim. Street racing, or driving into water will void any insurance your car might have. It should also be noted that speeding or using a mobile phone while driving will also invalidate your insurance.
If you are under the influence of drugs or alcohol and have an accident while driving, your claim could be discounted. Always make sure you are under any and all limits of alcohol when getting behind the wheel.
Drink driving isn’t the only way that you can void your car insurance. Illegal activity of any kind, like driving unlicensed, or with more people than legally allowed in the car are all reasons that a car insurance claim can be denied.
If your vehicle isn’t roadworthy, your insurance could be void. Worn tyres, for example, are not only dangerous but also illegal. If you are concerned about the legality of your tires, please know that the minimum legal tyre tread depth is 1.5mm in Australia.
Modifying your car without telling your insurer can also be a reason for them to deny a claim. This is because it might not have the same safety levels or values as it was originally insured for.
It’s important for the car to be roadworthy to avoid any issues with a potential claim. Typical issues that could potentially void your car insurance can easily be fixed, like:
One of the most common denials of an insurance claim is a missed or unpaid premium. You must keep up to date on all your insurance payments.
If your car was bought for business, then you need to declare this. By not mentioning that your car is a business car, it could void your claim.
Make sure that your insurance specifically covers you and your needs. For example, if you’re paying insurance for someone aged 25 or over but an 18-year-old is driving at the time, it’s likely they won’t be covered.
Other reasons that could void your car insurance you may not have initially thought of yet. These include leaving your car unlocked, lending your car to your friend, or parking in an unsecured area that’s not listed on your insurance. If your car is stolen, you are not necessarily insured for any property stolen within the car, so before you make a claim, it’s important to check your insurance details.
While these are common reasons claims are denied, it doesn’t matter that some can’t be disputed with the insurance company. If you feel like you have been wrongly denied your claim or want to discuss an incident, it can be helpful to seek legal advice to know your rights. Contact WMCW today and start your claims process. For more information on motor vehicles specifically, click here. WMCW works on a no-win, no fee basis.
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