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Why your SAT-NAV could get you fined £2,500 - and add to your car insurance

Peter Kelly
Mar 4, 2020


Getting your car insurance sorted shouldn’t be a stressful process, but it’s always a relief when it’s done. You’re smart, so you do things the right way: you shop around for the best deal, do a bit of negotiation, and finally sign off on the cheapest and best deal for you. Bliss. Sorted. Or is it?

Motorists are panicking at the news that car insurance companies could SCRAP your cover - just because you installed a sat-nav in your car!

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You could even face a fine of up to £2,500 if the sat-nav is found to have played a part in a case of dangerous driving.

That’s because adding the device could be viewed as a “vehicle modification”, potentially invalidating your cover.

Your insurer can play all kinds of games with the wording of your cover, including arguing that it could have been more expensive to insure your car with the so called ‘upgrade’ in place.

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Any kind of modification can invalidate your car insurance policy, whether it’s a spoiler, exotic window tinting or mechanical improvement, on grounds the car would be more expensive to insure once it’s been ‘improved’.

If you fall into this category of insuring your car BEFORE you made modifications to the vehicle, you could be in serious trouble. Your insurer is within their rights to argue that you have not paid your full policy, and therefore refuse to pay out.

Remember, before you do anything to your car it’s important to check in with your insurer first.

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If you’re looking to find the best deal available on your car insurance, head to A Spokesman Said and search for the most suitable policies for you.

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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