![Seven driving insurance warnings over everyday acts that could cost you thousands](https://images.ladbible.com/resize?type=webp&quality=70&width=3840&fit=contain&gravity=auto&url=https://images.ladbiblegroup.com/v3/assets/bltcd74acc1d0a99f3a/blt9501b1cbb399912f/669928fe5501ed878585ad8a/Seven_driving_insurance_warnings_that_could_cost_you_thousands.png)
Driving insurance experts are warning motorists in the UK to give their cars a good check after claims worth millions were rejected across the country.
In the second half of 2021, the Financial Conduct Authority rejected car insurance claims worth a staggering £47 million due to issues with people's claims. And some of those claims were due to issues that drivers didn't even know existed when they crashed, took a bump, or broke down.
Between July and December, more than 14,000 people had their claims pushed back.
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As a result, it's worth checking your motor to make sure you're obeying the rules of the road and, as a result, your insurance. No one wants to crash but second to that, no one wants to find out their insurance wont pay up if they do write-off their car.
Now, experts at Independent Advisor Car Insurance have listed seven common mistakes millions are making when it comes to driving around the country. Check them over to make you're not falling foul of them and landing yourself with bills in the thousands that you're personally liable for.
![There are several things you might be doing without realising (Getty stock photo)](https://images.ladbible.com/resize?type=webp&quality=70&width=3840&fit=contain&gravity=auto&url=https://images.ladbiblegroup.com/v3/assets/bltcd74acc1d0a99f3a/bltd9c8cb7eaaf9f978/669947ad7a3132fbf0f74fc5/GettyImages-183097598.jpg)
Dice and air fresheners
They sit there looking rather harmless but having rather large objects hanging from your rear-view mirror - we're talking fluffy dice, air fresheners, or something like a small football flag - can be risky business.
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These decorations can block your view of the road and other vehicles, which insurance companies view as distractions impacting your reaction time. This could potentially axe your car insurance and leave you high and dry without coverage when you need to make a claim in case of an accident.
Remember to always keep your field of vision clear and free from obstacles to steer clear of insurance woes.
![Nasty (Getty Stock Images)](https://images.ladbible.com/resize?type=webp&quality=70&width=3840&fit=contain&gravity=auto&url=https://images.ladbiblegroup.com/v3/assets/bltcd74acc1d0a99f3a/blt92a47bdf45ddecaa/66993341d3d85e1102077d00/GettyImages-161935140.jpg)
Pets on the loose
The amount of pet owners that are driving and flying with their four-legged pals is higher than ever. But leaving your furry friend unrestrained inside the car - whether they're lounging in the back seat, passenger seat, chilling in the footwell or snoozing in the boot - can cost you up to a whopping £5,000 in fines.
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It could also void your insurance if you get into a pickle on the road.
"Keep your pets safe and legal this summer by securing them in a dog crate or seatbelt harness to avoid any bumps in the road with your insurer," the experts say.
Footwear
Bad news if you crash wearing flip flops or sandals.
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With the weather taking a turn many will be ditching socks and trainers for comfier footwear. Some might even go barefoot as the weather heats up.
While not illegal, you are putting yourself at high risk of violating Rule 97 of the Highway Code, resulting in a charge of 'driving without due care and attention'.
And even worse, insurers might see this as negligent behaviour, potentially voiding your policy since flip flops can easily slip off your feet or get caught under the pedals, compromising your control of the vehicle.
To keep yourself out of hot waters, opt for flat, thin-soled shoes for better pedal feel and a firmer grip while cruising the roads this summer.
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![Even the tiniest of bumps can leave you significantly out of pocket if your insurance is invalid (Getty Stock Images)](https://images.ladbible.com/resize?type=webp&quality=70&width=3840&fit=contain&gravity=auto&url=https://images.ladbiblegroup.com/v3/assets/bltcd74acc1d0a99f3a/blt9edce42361a3d40b/669933af3664ba64c8dcf3b9/GettyImages-1060895916.jpg)
Open car windows and doors
It’s tempting to crack open the car windows or leave the doors unlocked to let in some fresh air when it's anything over around 15 degrees Celsius. But it's a move that might leave you worse off, becoming an easy target for theft. And then your insurance might refuse to pay out if your car is stolen.
On top of this, you should avoid leaving your car keys in plain sight when your vehicle is unattended. Insurers view this as a sign that you’re not properly safeguarding your car, which could jeopardise your coverage.
"Get into the habit of locking your doors and windows every time you leave the car, and always keep your keys securely out of sight to enjoy a trouble-free summer," the experts say.
Car maintenance - or rather, a lack of
Almost half of Brits (49 percent) have put off vehicle repairs due to rising cost of living, research has shown.
But heatwaves can strain your car, contributing to more breakdowns due to overheating. So neglecting proper car maintenance before embarking on your summer getaway can spell trouble.
We're talking essentials like oil changes, brake and tyre inspections, coolant level checks, and ensuring your air conditioning functions properly are vital to prevent engine failures when you're on the road. If it’s found that your negligence in maintenance caused the accident, your insurance claim could be denied.
![Car maintenance is essential (Getty Stock Images)](https://images.ladbible.com/resize?type=webp&quality=70&width=3840&fit=contain&gravity=auto&url=https://images.ladbiblegroup.com/v3/assets/bltcd74acc1d0a99f3a/bltd25911ac721a6976/669933c8291efd91a1037513/GettyImages-1370196134.jpg)
Overloading your car
It’s tempting to load up your car for a picnic or a weekend road trip, but squeezing in too much can risk not only your safety, but also insurance coverage.
Carrying more weight than your car’s capacity can make steering more difficult to control and can lead to bulging tyres prone to blowouts.
Overstuffing the back seat can also obstruct your rear vision, potentially leading insurers to void your policy if collision occurs. Always check and adhere to your vehicle’s weight limits and distribute luggage evenly to avoid insurance pitfalls.
Lending your car to family and friends
Lending your car to close friends or family is quite common. But even short trips can pose problems if there's an accident or they get pulled over by the police.
Unless they are listed as a named driver on your policy, your car won't be covered for any kind of crash - even if they have the 'driving other cars' extension.
That only covers third-party damages, not your own vehicle.
Also, it is worth refraining from using your car to offer paid lifts during the summer holidays. That few extra bucks you make could see you slapped with fines up to £2,500, as it might be considered running an unlicensed taxi service.
![Might want to think twice before offering that paid lift (Getty stock photo)](https://images.ladbible.com/resize?type=webp&quality=70&width=3840&fit=contain&gravity=auto&url=https://images.ladbiblegroup.com/v3/assets/bltcd74acc1d0a99f3a/blt20b180b77b802a9f/669948d8fd135fb6b523656b/GettyImages-1977787779.jpg)
Expert opinion
Connor Campbell, an expert at Independent Advisor Car Insurance, said: “The significant uptick in traffic density during summer inevitably raises the risk of accidents. Congested roads, scorching temperatures, and heightened frustrations behind the wheel can lead to impulsive driving behaviour that endanger both yourself and other road users.
"The extreme heat also puts extra stresses on vehicle components, increasing the likelihood of malfunctions. If you’ve been postponing necessary car maintenance and repairs, now is the time when these delays could prove costly.
"Prioritising regular maintenance checks before setting off on long journeys is crucial to reduce the risk of breakdowns and minimise potential insurance complications in case of an accident.
"Keep in mind that with more young and relatively inexperienced drivers being on the road, staying vigilant is crucial this summer. Maintaining a well-equipped vehicle and adhering to road rules further helps mitigate risks and ensure your insurance coverage remains valid when you need it most."