Diaries Magazine

Why Car Insurance Is Important and What Can Invalidate Your Policy

Posted on the 13 March 2020 by Alex_bumptobaby @bumptobaby_blog
Why Car Insurance Is Important and What Can Invalidate Your PolicyCar insurance is a legal requirement in the UK, of course, but even after you’ve taken out a policy there are many potential oversights and issues that could risk invalidating your insurance.Let’s take a look.Road TaxIf you do not have the correct level of taxation on your vehicle then this will immediately revoke your car insurance policy.  The level of road taxyou need in the UK has got a little bit complicated over recent years, so it is important that you keep on top of the requirements.  The level of tax due will be related to the size of your car and the emission levels it omits.  The lower the omissions, the lower the tax. There are also some cars that are free from road tax due to the low impact they have on the environment.
PaymentsIf you do not keep up the payments for your car insurance you could have your insurance policy cancelled. There will be a period that you can go into arrears, but if this is not resolved in a quick manner your insurer has the right to suspend your policy until payment is made.  Of course, the best way to ensure you’re able to afford the monthly payments is to find the cheapest policy you can. With this in mind, it might be a good idea to compare quotes with quotezone.co.uk, which increases your odds of finding a suitable policy at a cheaper price.Out of Policy UseThere are many different types of specific car insurance policies but the two main types are personal and business use.  It is very important that you always make sure you have the correct level of cover depending on how you are using the car.  If your policy only covers you for ‘domestic, personal and pleasure’ use but you are using it for business purposes you run the risk of invalidating your insurance.  SafetyIf you are not taking care of your motor vehicle then this could also invalidate the motor car insurance.  Examples of this would be doing the basic checks on oil, tyres and lights but also making sure that your car has the valid MOT certificate.  Cars that have been on the road for more than 3 years will require to have this completed annually by an approved mechanic.SummaryHaving an insurance policy does not mean you do not have other obligations. If you are hoping to insure your family car, you must make sure that you do not have your policy revoked.

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