Automobile Insurance: Warning of drivers who void their insurance protection with easy errors – Specific
As a result of the numerous lockdowns in 2020 and 2021, fewer drivers were on the road, which means that car insurance rates have remained lower. With driving habits now returning to pre-pandemic levels and more motorists on the roads, motorists are being warned to watch out for small mistakes that could affect their insurance.
Some policies also explicitly exclude car sharing coverage, regardless of whether the drivers benefit from it or not.
Those whose policies allow carpooling may be invalid if they are taking advantage of carpooling.
Many will argue that drivers can only earn enough to cover gasoline and travel expenses.
Earning money by offering ridesharing can identify the driver as a "taxi rental service" and thus form a policy that does not cover this gap.
CarParts4Less commented on the potential of disability insurance for certain trips.
They said, “There are three types of car use that are covered by insurance; just social, social and commuting and business.
“Social insurance covers driving for social or recreational purposes; driving to and from friends, going to the supermarket, etc.
“Commuting to and from work, or even to and from the train station, is not covered by this policy, so upgrading to Social and Commuting is required even if you only commute a few times a month.
"Insurance companies can deny or reject claims that are made while driving to work if the policy is only intended for social purposes, even if it is only a one-time thing."
If you use your car for work other than commuting, such as going to meetings or carrying equipment, you will need professional insurance.
Motorists are also advised to avoid "fronting".
Insurance for young drivers often costs more than for less risky groups, with some drivers trying to bypass the higher premiums.
They do this by providing a low risk driver, e.g.
If drivers are caught frontaling, their policy could be canceled immediately, with any claims denied.
Again, these cases are often brought to court as they are insurance fraud.
The consequences are fines of up to £ 5,000 and six points on the offender's driver's license.