Millions of drivers may risk invalidating their car insurance policy by ignoring common rules

Wednesday, April 11, 2018

According to new research, carried out by temporary car insurer Cuvva, as many as 15 million drivers in the UK risk losing their cover in the event of an accident by ‘flouting’ insurance rules.

 

Cuvva surveyed 1,243 UK motorists and found that 70% of drivers admitted to breaking one or more common policy rules, which could see their policy invalidated.

 

43% of drivers admitted to eating whilst behind the wheel, 18% have carried a pet in the front seat and 16% have driven in flip-flops or barefoot. Insurers have the right to void a policy if they find out that any of these errors have been committed at the time of a crash or incident.

 

Drivers also risk fines by driving other people cars. 43% of those surveyed didn’t know who would be responsible for fines or points if they let a friend drive their car. The study found that 12% of drivers had offered to park a friend’s car without considering the implications on insurance and 5% had driven another car without checking if they had the relevant cover. 

 

Chief executive and founder of Cuvva, Freddy Macnamara, said: “The insurance industry needs to start educating drivers so that more people can avoid making common mistakes. Some of these slip-ups, such as offering to park a car for a friend, seem fairly innocent but can still be met with crippling fines and licence penalty points.

 

“The problem is that insurance policies tend to be packed full of jargon and come with vast amounts of paperwork, which can cause drivers to disengage. The sector arguably needs to modernise in response to this, by going more digital. If insurance becomes more accessible and digestible, drivers will have a better chance of understanding and abiding by policies.”

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