Car insurance customers urged to update details ‘now more than ever’ as police crackdown
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Experts warn that drivers should look over whether the details in their policies are still valid after a year where many people’s circumstances have changed. Drivers who are not following their document could see their agreement invalidated which may have devastating consequences.
Salman Haqqi, personal finance experts at insurance experts money.co.uk has warned drivers should contact their insurer urgently if any of their circumstances have changed.
He said that insurers are “flexible and supportive” and may be able to help change your policy to better suit you.
He warns that insurers will only cover what is stated in your policy which could leave many drivers caught out if they have made upgrades.
Mr Haqqi said: “Now, perhaps more than ever, it’s incredibly important for drivers to know exactly what they’re covered for and that their insurance details are up to date.
“If you have changed your habits recently, for instance you’ve begun commuting to work via car, or are parking your vehicle in a different location or address than you would normally, it’s worth contacting your insurer to check you’re still covered.
“Insurers are generally being flexible and supportive during this time and should be able to help.
“However, it’s vital to remember that unless you have explicit permission from your insurer, you will likely only be covered for what is specifically stated in your policy.
“Now, more than ever, it’s imperative that drivers are aware of their cover and that their policies are up to date before they head out on the road”.
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The comments come just days after the Motor Insurers Bureau (MIB) warned that police would be cracking down on uninsured drivers this week.
They revealed that all 43 police forces would engage in the national crackdown in a bid to seize vehicles driving illegally on UK roads.
The MIB says they were forced to pay out £322million in compensation last year to victims of uninsured driving accidents.
Although the number of claims has fallen by 26 percent since 016, there are fears that could increase due to the coronavirus pandemic.
Drivers may have cancelled their agreement during the lockdown in a desperate attempt to save money and may have forgotten to reapply,
Kyle Gordon, Head of National Roads Policing Operations, Intelligence and Investigation (NRPOII) has warned uninsured drivers were more likely to cause fatal car crashes.
He said: “Many people will see uninsured driving as a victimless crime at best, or as only impacting on the profits of large insurance companies at worst.
“This is not the case. We know from our work in roads policing that uninsured drivers are statistically significantly more likely to cause a death or injury on the road, which too often sadly brings devastation to victims, families and communities up and down the country.
“They are also frequently involved in wider road crime. Protecting the public and keeping our roads safe for everyone is our priority and removing uninsured drivers from our roads helps to do just that.
“This is why all police forces are acting to take uninsured drivers off the road every single day.”
Details are important to car insurance providers as they determine how much customers are charged.
Details such as where a driver lives and what car they drive will assess their overall perceived road risk.
These details are what sets the price of a policy and are the terms under which you were accepted for cover. and these must be updated if changed.
Failing to update these when they change could see road users fined for invalidating their agreement which can lead to devastating consequences.
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