Car insurance companies can cancel a policy if your car is deemed to not have been in a suitable road condition at the time of a crash or breakdown. This is because keeping a car serviced is the responsibility of the motorist and is something many policies will state in their terms and conditions.
Failing to repair issues could be considered negligence on the side of the owner which could see them refuse to pay out for repairs at all.
Experts warn having an up-to-date MOT may not be enough with motorists also required to regularly check their car and go for a service to fix any issues.
According to the RAC, going for a regular car service will help keep a car running smoothly and identify problems early.
Getting these repaired before they become worse is likely to lower the risk of suffering car insurance issues and improve road safety.
The data found failing to maintain a car was the third-highest mistake made by motorists with 21 percent admitting to putting off repairs.
Renewing an MOT was also common with 16 percent of road users admitting to forgetting the regular vehicle check.
Rod Jones, insurance expert at uSwitch said: “With claims now running into the thousands of pounds, people can’t afford to make a careless mistake that could invalidate their cover and leave them out of pocket.”
Invalidated car insurance means companies will refuse to pay for any repairs which are needed to a vehicle.
More than one-third of vehicles failed in the first year of the new rules in 2018 meaning many vehicles could be caught out.
Motorists who fail the test and continue driving risk being fined up to £1,000 or even as high as £2,500 for driving a dangerous vehicle.
Car insurance policies could even be invalidated if a motorist forgets to update their car insurance provider with a small collision.
Even a scratch should be reported to insurance companies as this could increase your overall perceived risk of having a car crash.
Falling to inform an insurer means they were not able to assess the situation and consider increasing your premiums due to added road risk.
Published at Mon, 09 Mar 2020 03:03:00 +0000