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Insuring your car is a legal requirement, and by shopping around you will be able to find a deal to suit you, be it very comprehensive cover or extremely basic. Once you have insurance however, there are scenarios in which your cover would be invalidated and you would be unable to claim money in the event of anything happening. These situations are obviously to be avoided, for both financial and legal reasons.1. Not declaring driving convictionsResearch has suggested that around a quarter of drivers invalidate their car insurance in this way. Not only is it a requirement to inform your insurers of penalty points on your licence or any convictions related to speeding or drink-driving, but it is also necessary to inform the insurance company of any recent points when it comes to renewing your policy. Dishonesty is frowned upon by insurers in all respects, and in the worst case scenario withholding information from insurance companies, or simply lying, could be considered fraud.2. Not disclosing previous claimsWhen taking on a new insurance policy, it is also necessary to declare any previous claims that you have made. Again, not doing so is undoubtedly tempting, as a cleaner driving record obviously means a lower price for insuring the vehicle. Again, however, such course of action could land you in hot water if you ever had to make a claim on the policy. If previous claims are discovered, your policy will not be worth the paper it is written on and you could find yourself paying out of your own pocket or facing more serious action.3. Letting somebody else driveIt may sound obvious, but unless clearly specified, an insurance policy applies only to the person whose name it is in, not simply to the vehicle. If somebody is not a named driver on the insurance policy, then anything they do while in charge of their vehicle is not insured. It does not matter how short a time they are at the wheel, if something happens, you will be unable to claim on your policy.4. Not disclosing a change of address or jobUpon moving house, any quote from your insurance company immediately becomes invalid, and you must seek a new one. A change in postcode may affect your policy, in either a positive or negative manner. A change of job title can have the same effect, and must also be declared. The general theme is that whenever your circumstances change, let your insurance company know, as this will affect your policy.5. Letting your MOT expireHaving an MOT is another legal requirement for any driver, and if one is due and the vehicle doesn’t receive one, then that invalidates the insurance policy. It is best to keep abreast of when your next one is due, both in order to keep your policy valid and also to make sure your car is safe to drive.

Bear the above in mind, and your car insurance will remain valid. You might be glad of it one day. If you’re looking for a quote for car insurance, visit ASDA Finance or Beat That Quote, where you might find a car insurancedeal suited to you personally.



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