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Car insurance risks – what you need to know by the @grumpy_g1t “Guest post”

By 4th May 2021January 31st, 2023No Comments


here are various car insurance risks that motorists are not aware of. This is what you need to know so you can avoid some of the common pitfalls.


About 25% of motorists simply have ‘Social and Domestic’ use for their car insurance policies and not ‘Commute to and from a fixed place of work’. This means that potentially 1 in 4 motorists are not adequately insured.

Motorists are having their cars seized for not being insured to use their vehicle to commute to and from work.


If a vehicle does not have a current MOT in place, it is uninsured and there is no grace period. Some cars are exempt though.

A contract of insurance states that the car is to be in ‘roadworthy condition’. The MOT only proves that on the day of testing that the vehicle was roadworthy.

The Motor Claim Guru says, “You could have a MOT but bald tyres and that would invalidate your insurance. The repudiation of a claim would also have to be linked to the MOT failure and a vehicle being unroadworthy. For example, the car could have no MOT, but be stolen from your drive. The insurance policy would still be valid”.  


Many motorists underestimate their annual mileage on policies in an attempt to keep the costs down. This information can easily be found for free via websites such as which provide a snapshot of a vehicle’s tax and MOT status and history complete with annual mileages.

It’s fair to say that if an insurance firm finds that you have vastly underestimated your annual mileage if / when a claim is made, they can easily refuse to pay out on any claims.


Even the smallest of modifications such as tinted windows, change of occupation or address need to be disclosed otherwise it voids your policy.

Car insurance risks are gauged on modifications, which can increase the risk of your car being vandalised, broken into or stolen.


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Tim Kelly

Tim is a highly qualified Independent Engineer with over 20 years experience as an Engineering Assessor of damaged vehicles.