Un-roadworthy vehicle

A number of issues could lead to your vehicle being deemed un-roadworthy. This could range from your lights not functioning properly, your tyres being worn, your wiper blades being faulty or your brakes being defective. Even a cracked windscreen or oil leak could put your vehicle at risk of being un-roadworthy. The problem is, if you are involved in a collisions and any of these issues arise, it could lead your claim to being rejected.

Driving under the influence

This may seem like a no brainer but even if you are slightly over the legal alcohol limit, or tested positive for illegal substances, and were not at fault during an accident, you are at risk of having your claim rejected.

The driver is not you

If your policy lists you as the sole driver of the vehicle and somebody else is involved in a collision while driving your vehicle, your claim could be wavered. This boils down to a misrepresentation by the policyholder. Premiums may be higher if you list another driver under your policy but if you fail to do this and there is an accident, you could be the one stuck.


When taking out a policy, it is imperative that you disclose all information. This includes prior claims, vehicle modifications, driving related convictions or any change of incident that could influence the conditions of your cover or premium.

Vehicle parked in unsecure area

It is common for vehicle owners to have their insurance claims rejected after their cars were stolen after parking it overnight at a location other than what is listed as the overnight parking address in their policy. Pay attention to the specific details outlined by your policy.

Missed premium payment

Skipping your insurance payment is a quick way to void your insurance. It is reminiscent of an episode of The Simpsons when Homer forgets to send an insurance payment on time and has to avoid any claim-worthy incidents. It is best to ensure payments are made timeously.

Using your vehicle for business

When you are taking out your policy, the insurer will ask whether you will use your car for business, or for commuting. If you lie about this and it later emerges that you have been sing the vehicle for such activities, your claim could be wavered.

Did you find this page helpful?

Thanks for your feedback!

Leave a Reply

Your email address will not be published. Required fields are marked *