If you are caught driving a vehicle you are not insured to drive you could receive a fixed penalty of £300 and 6 penalty points. If the case goes to court you could get an unlimited fine and be disqualified from driving.
Leasing Options have compiled a list of ways you could be invalidating your car insurance without even realising...
5. Underestimating the mileage
As annual mileage is one of the main factors used to calculate your insurance premium, you must state the correct number of miles. If your mileage is higher than your estimate then this will put your policy at risk. There are mileage calculators online which you can use to help you estimate the number of miles you drive.
6. Having an obstructed windscreen
If your windscreen is obstructed in any way and you’re involved in an accident your insurance claim would be void. Whether it's by frost, dirt or too many air fresheners hanging from your rear-view mirror.
Fronting is when someone lists themselves as the main driver on a car that belongs to a younger driver, who is named as the secondary driver. Yet in reality, it is the younger person that mainly drives the car. Not only could this invalidate your insurance, but it could also land you with a substantial fine and six points on your license.
8. Not telling your insurer about accidents
You must let your insurer know about any accidents your car is involved in, no matter how big or small. If you decline to do so and a third party reports the incident to their insurer it would leave your insurance company in an awkward position. Also if there is previous damage to your car from an incident you have not told your insurer about, any future claims to your insurer could be discredited by this.