Accidents happen, everyone makes mistakes, and most of us hold our hands up and admit it when we’ve done something wrong. However, when we have to admit something, knowing full well that it will result in us having to pay for it all over again, it’s… well. It is what it is.
Fortunately, though, it’s certainly not the end of the world neither, and never a permanent problem (provided we don’t repeat the mistake again anytime soon!). Here are 5 things you’ll hopefully never have to discuss with an insurer…
You Drive Too Fast
(Or did at least once, and got caught.) As if the minimum penalty of a £100 fine and three penalty points weren’t enough, it’s something your insurer will need to know about (and will find out if you don’t tell them). Even if it’s a camera clocking you at a couple of miles above the speed limit, it’s simply something you’ll need to grin, bear and tell your lender about.
You Drove Without Insurance
Naturally, you can imagine the dilemma an insurer would have, should someone come to them who’s been convicted of driving without insurance. However, not all ‘IN10’ offences are the same. People can still be convicted even if it’s a simple case of not understanding what counts as a modification on their vehicle, or they were insured for business use. Again, though, it’s something you just have to take on the chin and tell your insurer about.
You Were Caught Over The Limit
While the fines and sentences that come with a ‘DR10’ do vary, any instance of drink or drug driving becomes an instant red flag for insurers. Furthermore, with the legal alcohol limit now as low as 35 micrograms per 100 millimetres of breath, there’s simply no other path to walk than take it on the chin and learn from the experience. Drivers with a DR10 on their license might fare better with insurers by looking for specific convicted driver insurance policies from specialist lenders.
You Drove While Using A Phone
It took the law a while to catch up – but, for some time now, it’s been an instantly criminal offence to use a handheld device while driving. Whereas speeding adds 3 points to your driving license, a CU80 means a standard 6 points and £200 fine, which will affect your premiums for up to 5 years.
Arguably the easiest offence to succumb to, it’s also one of the most heavily penalised. Use something hands-free or just don’t do it, simple.
You’re Covering Old Ground
Finally, the last conversation you ever want to be having with your insurer is a repeat of one you’ve had before. Totting up points, and frequently having to adjust your policy to account for a new misdemeanour, is simply careless.
There’s an old cliché, often attributed (incorrectly) to Albert Einstein, that the definition of insanity is doing the same thing over and over again while expecting different results. Regardless of who said it, though, they were certainly onto something. If you have made a mistake that will affect your insurance, just try not to do it again.