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You could invalidate your car insurance just by giving a lift to a friend - here’s why

Peter Kelly
Mar 9, 2020


Helping a mate out could prove costly.

If you fail to inform your car insurance provider that you have changed job or provide misleading information about what you do, your entire cover could be invalidated.

It all comes down to the kind of cover you have purchased - which ‘class of use’. If you opt for a Social policy, your vehicle is only covered for domestic use: non-work driving like visiting friends or going out for dinner.

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This kind of policy is often relatively cheap, as drivers are expected to use their car relatively little.

If you opt for a Social and Commuting policy, you’re covered more broadly: you can do everything you could under the Social policy, but you’ll also be allowed to drive to and from work, or the train station.

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As long as you stay within the terms of your policy, you’re in the clear. But according to Confused.com, if you take out a Social policy, even giving a friend a lift to their place of work could leave you in hot water.

This could be viewed as a kind of ‘commute’, so you could run the risk of invalidating your cover if you choose to do it.

Forgetting to update your class of use when your circumstances change or accidentally purchasing the wrong kind of cover can see car insurance companies invalidate your entire cover.

If you’re looking to save money on your car insurance, don’t just buy social cover. Head to A Spokesman Said and search for the best deals 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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Last year 65% of customers didn't switch their car insurance to try and get a better deal.