car insurance in Northern Ireland
car insurance in Northern Ireland.Warning: Are you making these car insurance mistakes?
Are you invalidating your car insurance without knowing? Here are some tips from Find Insurance NI.
Here are the things to be aware of:
1) The small print
Yes it’s boring and yes, most of us don’t bother reading the small prints. But a quick skim through when you first get the policy means no nasty surprises further down the line.car insurance in Northern Ireland
2) Moving house
When you move house you could be placing your car in a higher risk area. Insurers need to know as soon as there are any changes to your personal circumstances as these could affect their assessment of the level of cover you require.
3) Points mean problems
If you have been given any penalty points, you need to let your insurers know on the day that it happens. While it might be tempting to keep this quiet, it is better to face an increased premium than a fine and points for an invalid policy.
4) Telling porkies
Withholding information or entering incorrect information on your application form will leave it open to your policy being rendered ineffective. Regardless of how small these details might seem to you, they could be important to your insurers. They ask you questions for a reason!car insurance in Northern Ireland
5) Forgotten your MOT?
Driving without a valid MOT certificate is illegal. If you are involved in an accident and can’t produce a valid MOT certificate for the date in question, chances are high that your insurer won’t pay out.
6) Parent trap
New drivers face steep premiums when they first get on the road, which is why so many want to be added to their parent’s policy. Insurers are clamping down on drivers who try to cut their costs by doing this.
7) Fancy addition?
Modifications, no matter how small, can have an impact on your insurance premium and all must be declared. So think before you pimp your ride!car insurance in Northern Ireland
8) Mileage matters
If you use your car for business purposes, you need to be honest about it. Chances are you won’t be covered if you are caught out while picking up clients or delivering products.
Find out more about car insurance in Northern Ireland.
car insurance in Northern Ireland