What makes your motor insurance policy void?

November 27, 2017 · Posted in FAQ 
motor insurance
HEATON2000 asked:

I have recently had an incident with another vehicle where the driver was using their own family car as a delivery vehicle. I thought that you had to have it specified in your policy terms that you would be using your vehicle for work ? Is this the case or am I wrong?

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8 Responses to “What makes your motor insurance policy void?”

  1. Mike Sanders on May 16th, 2010 2:17 pm

    A vehicle registered solely for S&P (social and pleasure if having an accident while driving for business purposed is deemed void).

    A vehicle registered for SDP (social domestic and pleasure allows insurance for all means).

    A vehicle on a trade policy (Cannot be used for personal reasons, insurance is only valid is vehicle is used for work purposes ONLY).

  2. ¸¸.•*´`*♥Emma♥*´`*•.¸¸ on May 16th, 2010 8:58 pm

    Yes you need to state that you are using it for work becuase it would result in you beingon the road more often and therefore more likely to have accident.

    Other reasons for Policy to be void would be lying on your application!!!

  3. junglejungle on May 19th, 2010 10:22 am

    well do you know the details of their policy?

    proving it is a different matter. i could have my shopping in my car, i’m delivering it home.. see my point?

  4. Elana on May 20th, 2010 2:44 pm

    People use their own vehicles for work frequently. Although coverage does depend on the type of insurance the person has, it happens regardless of policy type.

    The question becomes one of intent: Does the business assume that people will use their cars for work? If so, the business should extend their insurance to cover that car.

    Where it gets iffy is when you are carrying something of great value and it gets destroyed in an accident. Was that object insured by the company or by your driver’s insurance, etc.

    In the case of the person using their family car as a delivery vehicle, if this is a regular occurance that the company depends on, then your insurance company will probably be contacting that company.

    But what if you went home first before the delivery? How about if you got something at work, went home and dropped it off somewhere else on the way back into work the next day?

    Don’t worry … the insurance companies will, in the long run, always win.

  5. Lucie on May 23rd, 2010 3:14 pm

    I drive occasionally to see clients at the jobcentre as part of my work and have to have business use on my insurance overwise if i have an accident I’m not covered. Some insurers automatically cover you for that eg Tesco but with my current insurers i had to ask for it as an extra cost. If you give false information to your insurers such as not covereing yourself for business miles, or the wrong home address etc. then your insurance is invalid. So by my understanding your driver’s insurance is invalid.

  6. RIGGS on May 25th, 2010 2:56 pm

    well the only thing i can think of off-hand to void your insurance,is one you’ve not paid the instalments,two.there’s no tax on the vehicle,and three no test.

  7. welcome news on May 26th, 2010 2:35 pm

    It depends on whether the certificate of insurance allowed business use and if the driver had declared to the insurance company the use to which the vehicle was being put. There is also a lot of difference between e.g. Pizza delivery and a courier!

    You will not be affected by this – the insurance company will handle your claim against the other driver (This is the part of the certificate that states. Note to third parties, nothing on this certificate affects your rights to make a claim – a bit that I bet you did not know existed.). If the other driver has broken the terms of the policy then the insurance company will ask them to refund the costs they have paid to you.

  8. Rony on May 28th, 2010 5:43 pm

    Yes you need to state that you are using it for work. I found interesting information about your answer here. luck!

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