Top tips to make sure your car stays covered

Dashing to check-in after leaving your car at the airport valet? It’s likely insurance cover will be the last thing on your mind. But did you know handing your keys over to airport meet and greet services also means putting yourself in the hands of their insurers? It’s unlikely your insurer will still be liable, so make sure you check your policy documentation.

We want you to better understand some of the conditions and limitations for insurance so you don’t find yourselves in a sticky situation.

So below we’ve compiled a list of the top things that can result in a claim not being paid, to help you avoid an unwelcome financial surprise.

Be truthful

It might be tempting to distort facts to save a few pounds on your insurance, but those savings will be wiped out and worse if you try to make a claim and then discover your insurer can’t pay out.

Anyone found to have deliberately lied on an insurance application can also expect to be blacklisted by insurers.

Always give honest answers to all questions asked — from your claims history to your job title.

Warning signs

Ignoring warning signs (e.g. road closed or flood alerts) might seem like a good idea at the time to speed up your journey.

But aside from being dangerous it could also end up really hitting you hard in the pocket.

Always take notice of signage and act appropriately as ignoring them could result in a claim not being paid.

Keep thieves at bay

Your policy might cover the theft of items from your vehicle but if you’ve left your car unlocked or valuables clearly on display then it’s likely your claim will be refused.

Also, if your car’s unlocked or has the keys in the ignition while unattended and is stolen you’ll also find yourself potentially without a payout.

Declare your modifications

Tempted by a spoiler, new alloys or tuned up engine?

Then make sure you also let your insurer know what you’ve done.

Failing to inform them of changes to the car could mean your policy may be invalid, and potentially make your pimped up ride cost a lot more than was bargained for.

Taking money for lifts

Car sharing and helping family and friends out with lifts now and again is acceptable.

But be wary of taking cash for driving people around — especially if you’re making a profit.

Your insurer would need to be notified as it could be seen as bordering on a taxi service.

Change of jobs

Many people mistakenly consider a change in career would have no impact on their insurance.

But students, kids entertainers or musicians could pay higher premiums than bankers or office workers.

If you change jobs (even mid-policy) then make sure you let your insurer know.

Driving abroad

Never automatically assume your policy covers you while using your car overseas.

Even if it does, it might be with limited cover.

For peace of mind always let your insurer know what countries you're visiting and how long you'll be away - you may need a foreign use extension

It’s a good idea to also check your breakdown cover is valid overseas.

Honest mileage

Insurers need to know your approximate mileage for the year ahead so make your best guess when buying your policy.

If you expect a significant change in your mileage to occur then definitely get in touch to update your insurer.

This could be as a result of simply using your car more than you originally expected or because you’ve moved house or have a longer commute to work.

Always make sure you fully read your policy documents to ensure you have a good understanding of everything that’s covered.

You can find our policy documents in your account area.

Related links