Invalidating car insurance

Your insurance is unlikely to pay out for any loss in this case, so you could find yourself having to replace your car from your own savings.

Drivers in high-risk groups (young and new drivers or those with previous claims or convictions) may find insurance more expensive than most.

Also, if your car’s unlocked or has the keys in the ignition while unattended and is stolen you’ll also find yourself potentially without a payout.

This isn’t “The Spy Who Loved me” and your car isn’t the Lotus Espirit submarine car. Your insurer could reject your claim if you damage your car by ignoring “road closed” signs and driving through floodwater.

Blindly following your satnav could lead you into some pretty hairy situations.

We want you to better understand some of the conditions and limitations for insurance so you don’t find yourselves in a sticky situation.

So below we’ve compiled a list of the top things that can invalidate your cover to help you avoid an unwelcome financial surprise.

Here we take a quick ganders at just a small selection of the mishaps which could inadvertently lead to your car insurance being invalidated; most of which you may not have even been aware of.