Drivers warn that non-essential car trips could void auto insurance


Drivers who continue to use their vehicle for non-essential trips may soon find that their car insurance is no longer valid.

Motorists who go against government directives during the coronavirus lockout could cancel their policy, warned an auto lawyer.

Despite the widespread traffic restrictions currently in place, the latest data suggests that traffic is increasing as people start to use their vehicles again on the road.

However, using it to visit friends, family, or make more than one essential trip a day could mean that you are not following your auto insurance policy.

In short, this means that if you have an accident, no damage will be covered.

Police were also forced to warn people against using their cars to get to the parks for their daily exercise.

This comes after a woman was slapped with a £ 660 fine for refusing to justify her public release.

Critics of the current traffic restrictions insist that driving A to B in a car is not likely to spread the Covid-19 virus.

According to government guidelines, people should stay at home and avoid traveling

But Nick Freeman, the lawyer, who became known as Mr. Loophole, after helping a string of famous clients avoid driving costs, said that making non-essential trips could in fact mean that the driver was not insured.

He said, “Essential travel is broadly defined as buying basic necessities, collecting medical supplies, caring for a vulnerable person, and returning to work if you cannot do it from your home. home.

“Everything else is not really acceptable, so if you have an accident and can’t prove that your trip was essential, your insurance may be canceled. “

There is also a warning regarding motorists whose MOTs have expired and are involved in accidents.

Due to the current lockdown, car owners whose MOT was due received a temporary six-month extension.

All cars, vans and motorcycles that would typically require a MOT test have been exempted, although vehicles must be kept in good working order, and garages will remain open for essential repair work.

These measures have been put in place for those who have to leave their homes to pick up essential items, such as food and medicine, or to go to work if you are a key worker.

But Freeman said drivers would still be responsible if they were involved in an accident caused by the defective condition of their car.

“The MOT sabbatical is not an exit clause for tires without a tread, defective brakes or defective suspension. You can’t hide behind the fact that you couldn’t have a MOT done, ”he said.

“It is the responsibility of the motorist to ensure that their vehicle is in good working order. Otherwise, you could face everything from penalty points and a fine to jail depending on the allegation.

“If your car has not had a MOT due to the six-month sabbatical rule, you should notify your insurance company as this may affect your premium and you may find that your policy is canceled. “


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