DRIVERS have been urged to make vital car insurance checks that could save them £1,000s.
It comes after research revealed that more than 25% of people don’t update their insurance policies year-to-year.
Drivers urged to make 10 car insurance checks that could save them £1,000sSUNONLINE
Experts at Quotezone.co.uk are urging all drivers to check their policies and make sure all the information they have told their insurer is fully accurate and up to date.
They say modifications such as vehicle branding, spoilers or alloy wheels need to be declared or could run the risk of invalidating the insurance policy.
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It’s vital that all drivers check the full modifications list and update where appropriate when finalising their details.
Not declaring information about your car to an insurer could leave you without cover and having to shell out for £1,000s of repairs yourself.
Here are the things to check on your policy.
Mileage
Make sure you choose your yearly mileage wisely.
The process for many insurers is the more you drive, the more likely you are to end up in an accident.
Only pay for what you need.
Penalty points
Three points on a licence can mean 5% more on a premium every year for the four years an infringement stays on the licence.
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Where you park
A private driveway is seen as far less of a risk than parking out on the street and can make a big difference to your premium cost.
Where you live
Living in a perceived safer area can positively influence your premiums, whereas living in a place with a high crime rate can cause insurance providers to charge more – as they are viewed as areas with a high risk for accidents.
Your age
Its not just young drivers who get a bad deal.
Many car insurance providers consider those over 75 as being high-risk drivers, meaning many older drivers may see their premiums increase at this age.
Modifications
You may think they looks great, but expensive modifications can make your vehicle more attractive to thieves, which in turn can increase the premium.
Fronting
You need to ensure the main driver of the car is accurate – failure to do so is illegal and could not only invalidate your insurance but leave you with a criminal record.
Age and value of your car
The insurance group your car model is in will affect the premium cost.
A less expensive car can lead to a lower premium cost, as the parts are cheaper to buy, which makes the car easier to fix.
Your job
Those with jobs which require a high amount of time behind the wheel can experience higher premiums.
Jobs associated with high levels of stress can also hike up prices, due to an increased chance of being involved in an accident.
Added extras
It could be worth adding a dash cam or a tracker to your vehicle – these are price-sensitive questions and could help reduce your premiums.
Quotezone.co.uk founder, Greg Wilson, said: “We believe there could be thousands of motorists on Britain’s roads who haven’t given up-to-date information to their insurance company.
“Over 25% of our survey said they didn’t keep their provider updated throughout the year with any changes in circumstance.
“It could simply be because they’ve moved house or job or haven’t updated their mileage.
“But there are many factors that can affect and even invalidate an insurance policy if the details are inaccurate – and it’s alarming 15% aren’t aware of that.”