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Why the state of your motor could invalidate your car insurance

Peter Kelly
Mar 9, 2020


 

Failing to keep your car in good nick could be more costly than you think.

We’re all guilty of failing to keep our car in tip top condition. Weather it’s an apple core in the footwell, mud on the back seat or a dent in the side of the door, many family cars have a few battle scars.

But it’s vitally important that you make sure those problems are just cosmetic. Your car insurance provider can CANCEL your policy if it turns out there was some kind of fault with your motor at the time of a breakdown or crash.

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If the car is deemed to not have been in a ‘suitable road condition’ at the time of the incident, you could find yourself in hot water.

If something is broken - like a brake light or gear stick - and you have a smash, that could be considered negligence on your part - giving your provider the right to refuse to pay out at all!

And if you’re sitting there thinking ‘well, my car passed its MOT so I’m in the clear’, think again.

Having a valid MOT may not be enough to see a car deemed in a suitable condition. You can still be required to check your car on a regular basis and have it serviced.

Experts at Park Insurance said: "Even if you have an up to date MOT, you still need to make sure the car is in a fit state to drive.

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"Keep an eye on things like brakes, oil leaks, cracked windscreens, or anything else that could affect the safety of the vehicle.

“If you don’t carry out repairs and maintenance as soon as it is needed, your car insurance can be voided.”

It’s worth keeping your car in good nick anyway. It doesn’t just keep your insurance policy secure - it will make you less likely to have an accident in the first place, too.

If you’re looking for the best deal on your car insurance, head to A Spokesman Said and search for the best options for you.

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Here at A Spokesman Said we love fighting for your rights and believe fervently in natural justice.

But these battles cost us money. You could help us fund these fights by using our price comparison site, A Spokesman Said for your energy, car insurance and household bills.

We’re just the same as Go Compare or any other price comparison site, so you won’t be losing out in any way - by helping us, you will be helping yourself.

Thank you for your support.


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