If you want to drive legally here in Australia, or anywhere in the world for that matter, you’re going to need car insurance. Car insurance covers you and the other party financially, should an accident occur. It won’t stop crashes and accidents from happening, but if something does go awry you won’t be expected to cover the losses from your own pocket.
Even though insurance can sometimes be a little confusing – click here for the difference between third party car insurance and comprehensive – it’s there to give us total peace of mind. However, did you know that you could be inadvertently invalidating your coverage? Even the most seemingly insignificant habits could land you in hot water should you find yourself in a crash or be pulled over by the police.
Want to know more? Read on to discover 4 worrying ways you could be invalidating your car insurance.
You’re not parking your car where you say you are
We all know that parking your car in the garage or on the driveway can help reduce your premiums, however, if your vehicle is lost or damaged overnight in a different postcode to the one you’ve previously stated then you could be invalidating your cover. Maybe you’re working night shifts several miles away and your car got stolen, or you’re staying at your grandma’s house temporarily and someone crashed into it whilst it was parked overnight.
Always keep your insurer in the loop and inform them of where your car is likely to be parked overnight. Advising them will keep your cover valid and your asset protected!
You’re not keeping your keys safe
So, your car was stolen because you left the keys in the ignition overnight. Or you went into the store and left the car keys in the door. We’ve all done it, but it means you’re invalidating your insurance. When these kinds of mistakes catch up to you it proves to your insurer that you’re not being careful enough. So, when the inevitable does happen you often won’t be covered.
Always try to keep your keys safe and when they’re not in use, keep them hidden. Don’t ever store them or the spare set in your vehicle.
You’re a reckless driver
Speeding, driving whilst intoxicated, using your phone behind the wheel, if you cause an accident or get caught up in one due to reckless driving, then you’ll be left high and dry without any insurance. Not only that, but you’ll probably be looking at criminal charges too.
And finally, you’ve made modifications and not told your insurer
Many young drivers like the idea of modifying their vehicle. Bigger wheels, lower suspensions, high-performance engines, even spoilers and tinted windows. All these changes look great if you’re into that kind of thing, but if you fail to notify your insurance provider of the changes you’ve made to your vehicle then you won’t be insured.
If you’re thinking of modifying your vehicle in any way, or you’re unsure if the changes you’re making have to be mentioned, just speak to your provider! They’ll be happy to advise you.