Car Insurance

Top 10 Car Insurance fails

Owning a car is an expensive business. From the initial purchase to MOT, Tax and Servicing, often car insurance details are overlooked or truths stretched to reduce costs. Whilst this might seem like a thrifty saving at the time, if you need to make a claim, things can turn sour (and expensive) very quickly.
When it comes to car insurance, there are many common mistakes UK drivers are making daily, some without even being aware. It’s understood that insurance is legal by law, but understanding the laws that govern our car insurance isn’t. Every year, drivers are risking millions of pounds in rejected, or part rejected claims due to breach of conditions.
So, before we leave for work or scoot home on our lunch break, could we be making dangerous and costly mistakes?

Top 10 mistakes that can invalidate your insurance

  1. Wearing high heels or flip flops while driving
  2. Fronting – insuring your car with someone not the main driver to reduce costs
  3. Driving without up to date details on licence such as address
  4. Attaching fluffy dice or any object to rear-view mirror
  5. Leaving car unlocked
  6. Putting off car maintenance when required
  7. Forgetting to renew car MOT on time
  8. Pet(s) roaming free in the car
  9. Allowing a friend or family member to borrow your car
  10. Forgetting to update details after changing jobs

Staying legal

If you’re in any doubt, check your car insurance and understand how you can stay legal on the roads. Make sure you keep all your car insurance information up to date, ensuring all drivers are covered. And, remember to declare the real named driver, it might increase costs initially but the cost of declaring a discrepancy is far greater. It might be the last thing on your mind at the time, but asses your footwear before you drive away. Comfy flipflops or killer heals could cost you more than you thought. Try not to make it easy for thieves by leaving your car unlocked. Safety is paramount, so don’t walk away until you’re certain your car is locked.

Finally, the most important thing to remember? It’s better to be safe than sorry.

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Junction 17 Cars Ltd - Company No.: 07173193. Registered in England & Wales

Registered Office: 1 Kestrel Way, Eagle Business Park, Yaxley, Peterborough, PE7 3GP

Junction 17 Cars Ltd are a credit broker and not a lender. We are Authorised and Regulated by the Financial Conduct Authority. FCA No: 673249 Finance is Subject to status. Other offers may be available but cannot be used in conjunction with this offer. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. Data Protection No: ZA059229

Quotations are given on the assumption that the Government levies remain unaltered. In the event of such changes, the buyer shall be liable for the full cost thereof without notice from the Company. Unless otherwise stipulated within the sales invoice/order form, all accounts are strictly net and payable with order or otherwise in accordance with the terms of the trade buyer's credit account. Where default occurs in payment by the trade buyer, default interest shall become payable in accordance with the Late Payment of Commercial Debts (Interest) Act 1998 at the maximum rate permissible the re-under or in accordance with the credit terms agreed or, where the buyer is a consumer, at 2% above the base rate of the Lloyds Bank PLC.

If you have extended your cover and have opted to pay on a monthly ongoing basis, please note that these payments must run for a minimum period of six months, after which you are entitled to cease your payments by emailing quoting your vehicle registration number and your name and we will cease the policy 30 days after your last payment was received. Otherwise we will continue to take the agreed payments each month until you chose to cancel. Please note that it is your responsibility to inform us if you wish to cancel the cover

In the event that you wish to cancel your cover, please email quoting your vehicle registration number and your name and we will cease the cover. If you cancel within the first 28 days of taking out the product you will be entitled to a full refund less the £35 cancellation fee (where applicable) providing you have made a distinct and separate payment for the product. We can only refund the party that has directly paid us for the cover. You will not normally be entitled to a refund after this period.