Dashing to check-in after leaving your car at the airport valet? Did you know that handing your keys over to airport meet and greet services also means putting yourself in the hands of their insurers? It’s unlikely your insurer will still be liable. It’s situations like this that can leave us all feeling anxious and unsure.
We want you to better understand some of the conditions and limitations for insurance so you don’t find yourself in a sticky situation.
It might be tempting to tell a few white lies to try and save a few pounds on your insurance, but those savings will be wiped out and worse if you try to make a claim and then discover your insurer can’t pay out.
Caught lying? The insurer has the right to cancel the policy or charge the correct premium as a lump sum. Anyone found to have deliberately lied on an insurance application can also expect to be blacklisted by insurers.
The most commonly falsified information includes:
Always give honest answers to all questions asked — from your claims history to your job title.
Ignoring warning signs (e.g. road closed or flood alerts) might seem a possible way to speed up your journey. But aside from being dangerous it could also end up really hitting your pocket hard. Always take notice of signage and act appropriately as ignoring them could result in a claim not being paid.
Your policy might cover the theft of items from your vehicle but if you’ve left your car unlocked or valuables clearly on display then it’s likely your claim will be refused.
Also, if your car’s unlocked or has the keys in the ignition while unattended and is stolen you’ll also find yourself potentially without a payout.
Car sharing and helping family and friends out with lifts now and again is all part of life. But be wary of taking cash for driving people around — especially if you’re making a profit. Your insurer would need to be notified as it could be seen as bordering on a taxi service.
Never automatically assume your policy covers you while using your car overseas. Even if it does, it might be with limited cover. It’s also a good idea to check your breakdown cover is valid overseas.
For peace of mind always let your insurer know what countries you're visiting and how long you'll be away - you may need a foreign use extension.
Insurers need to know your approximate mileage for the year ahead so make your best guess when buying your policy. If you expect a significant change in your mileage to occur then get in touch to update your insurer. Perhaps you’re simply using your car more than you originally expected, you’ve moved house or have a longer commute to work.
Always make sure you fully read your policy documents to ensure you have a good understanding of everything that’s covered.
You can find your policy documents in your account area.
Find out more about insuring your car with MORE THAN