A Football Sticker Could Invalidate Your Car Insurance
Car insurance is a tricky thing. It can be a challenge finding the right policy for you and, when you do, you have to be careful not to invalidate it. But it’s not just exceeding an annual mileage or leaving your car unlocked that you need to worry about. Even a football sticker can do the job…
Showing Your True Colours
If you’re a football fan, you probably enjoy showing support for your team. That might mean attending matches, wearing the t-shirts and putting up stickers at the back of your car. Unfortunately, this innocent gesture could actually invalidate your car insurance altogether; costing you a fortune if you ever find yourself in an accident or without your vehicle. Why? Because as far as insurers are concerned, football stickers are one giant advertisement to potential vandals; namely, vandals who prefer an opposing team or club. In this sense, the industry effectively regards stickers and other forms of personalisation as car modifications; and these it hates with a passion.
Car Insurance And Modifications
The car insurance industry hates car modifications; which is why they charge a lot more to cover modified cars. The trouble is, of course, how you go about defining what truly is a ‘modification’. After all, a sticker (at least on the surface) would appear extremely tenuous to most. Part of the problem is that car modifications are associated with two things. These are increasing a vehicle’s performance in such a way that it implies erratic or dangerous driving and making the car visible to vandals and thieves. A spoiler or upgraded engine, for instance, might suggest that the driver is a bit of a petrol head and is, therefore, a liability. Some modifications are also naturally expensive, which can increase the risk of the car being stolen or damaged.
Honesty Is The Best Policy
If you modify your car, you need to inform your insurance provider; no matter how minor the change might be. Should you fail to do this, they may refuse to provide compensation when you find yourself in an accident or your car being stolen. Your premium will almost certainly go up, but that’s better than receiving absolutely no compensation precisely when you need it the most. It’s always best to speak to your insurance provider before making any changes to your vehicle, no matter how small. It also doesn’t hurt to ask about personalisation, whether its a football sticker or registration plate. If you’re looking for a cheap car insurance quote or premium, just avoid making modifications altogether.
So, next time you head to a football match, it might be worth scratching off any stickers or signs of your allegiance. No matter how loyal you are, it’s not worth losing out on hundreds or potentially thousands of pounds!
Ten Ways People Accidentally Invalidate Their Car Insurance: https://autoserve.co.uk/motoring-news/accidentally-invalidate-car-insurance/
These Are The Cheapest Cars Insure In 2019: https://www.autoserveclub.co.uk/blog/cheapest-cars-insure/