Car insurance is compulsory, and although it covers all manner of bumps in the road, it’s worth checking what you’re covered for, and what could invalidate your cover…
Car insurance gives you (and everyone else on the road) peace of mind when you’re driving. If you’re new to driving, you might not know about the various levels of cover available. So, whether you’re an experienced driver wondering if your car insurance policy is fit-for-purpose or you’re new to all this, sit back, relax and have a read…
What are the different levels of car insurance?
There are three levels of LV= car insurance:
This is the minimum cover that every driver must hold by law. It’s normally the cheapest cover available. It covers damage or injury you cause to other people and their property, but doesn’t actually cover for damage to your car.
Third party, fire and theft
This covers your car for damage caused by fire, theft and attempted theft, as well as claims from a third party if you’re involved in an accident.
This is the highest level of car insurance. It covers all of the above, plus the cost of repairing or replacing your car if it’s vandalised or involved in an accident.
We’ve written a pretty ‘comprehensive’ article about comprehensive car insurance which might be worth saving for later!
What does it mean if my car insurance is invalidated?
Invalidated car insurance means an action or the submission of incorrect information has lead to your insurer refusing your claim. This is also known as your insurance being 'null and void'. If your insurance is invalidated, and you have an accident, your insurer won’t pay-out.
What happens if I invalidate my car insurance?
- Your claim could be denied: This means you won’t get a pay-out from your insurer. You’ll have to pay for any damage and repairs yourself, and may need to reimburse your insurer for any costs they pay due to legislation.
- You’ll be driving illegally: If you’re caught driving without insurance (even if you didn’t know your policy was void), you’ll likely be fined and given up to 6 points on your license.
- You’ll struggle to find cover: If your insurer has invalidated your cover, they may add you to a ‘blacklist’ which will mean getting insurance in the future could be much harder and much more expensive.
Some insurers may invalidate your cover for various other issues, such as if you accidently fill your car up with the wrong type of fuel. Here at LV=, we understand that life can be stressful and we all make mistakes. We provide cover not only for draining and flushing your fuel tank, but also for damage to your car engine caused by the wrong fuel.
If you’ve had an accident with another driver, it pays to find out if the other car is insured. If they’re not, don’t worry, here's what to do if you’re hit by an uninsured driver.
So, what are you waiting for? Take a look at those car insurance documents, and if you’re interested in finding out more about the different levels of cover we can offer you, fill out some simple info and we’ll give you a quote right now!