Insurance is designed to provide peace of mind, ensuring you’re protected when things go wrong. But even with comprehensive and up-to-date insurance cover, there are some things you could inadvertently be doing that break the terms of your insurance policy. From leaving a key under the doormat to not taking reasonable care, here are five common mistakes that could invalidate your insurance, leave you without cover, and potentially out of pocket.

Driving while under the influence of alcohol or drugs, without a valid license, or deliberately damaging your car or other people’s property could invalidate your insurance. If you’re involved in an accident while under the influence of alcohol or drugs, or you’re an unlicensed driver, your insurance provider is unlikely to pay out against your claim. Always follow the law to ensure you’re properly covered.

2. Hiding a key

Leaving a key under a doormat, flowerpot, or garden ornament might be convenient, but burglars know these hiding spots all too well! If someone finds your hidden key and uses it to enter your home without your permission, your insurance provider might refuse to cover any loss. Rather invest in a sturdy lockbox with a code to comply with your insurer's standards. Or for added security, consider installing a keyless entry system.

3. “Fronting” or misrepresenting

Misrepresenting the main driver of a vehicle to get a lower insurance premium is known as “fronting”. It often happens when parents insure a car in their name but list their young driver as an occasional driver. Insurers want to know where the car will usually be parked and who the main driver is for a reason, and lying about these details is illegal. If discovered, your claim could be rejected, your insurance cancelled, and you might find it more difficult to get insurance cover in the future.

4. Being careless

Just because you have insurance doesn’t mean you can be negligent. Insurance companies expect you to take reasonable care of the things you insure. Simple steps like locking your house and car, not leaving keys in the ignition, and keeping valuables out of sight are essential. If you’re found to be negligent, your insurer could reject your claim. Always be vigilant and take care to protect your insured belongings.

5. Neglecting maintenance

Proper maintenance of your home and car is important. Ignoring upkeep tasks like fixing leaks, keeping your car warranted and registered, and regularly cleaning your chimney could invalidate your insurance. For instance, a dirty chimney could cause a house fire, and if you haven’t kept up with the recommended cleaning outlined in your policy, your insurer could refuse to cover the damage. Regular maintenance helps ensure your property remains protected under your insurance policy.

We're here to help

Navigating insurance policies can be complex, but understanding these common pitfalls can help you maintain your insurance so you’re covered when you need it most. Contact an Astute Insurance adviser to get help comparing your existing insurance with other available options, and get professional advice to make informed decisions about protecting what matters most to you.