BEHAVIOURAL CONDITIONS – DO’S AND DON’TS
All commercial insurance policies have conditions which make the cover provided conditional upon some behavioural input from you, the policyholder. These conditions have names like ‘Warranties’ or ‘Conditions Precedent to Liability’ or sometimes simply ‘Policy Conditions’.
In simple terms, these boil down to a list of “Do’s and Don’ts” and we have given below the gist of some of the more common ones. This is, of course, a working synopsis, and you should refer to your own policy documentation for a complete interpretation.
- DO notify your insurer of all ‘unspent’ motoring convictions (e.g. shown on the current licence) for any drivers of your vehicle(s)
- DO notify your insurer of all medical conditions etc notiﬁable to the DVLA for any drivers of your vehicle(s)
- DO notify your insurer of all accidents and claims within the last 5 years for any drivers of your vehicle(s)
- DO check licences for all drivers of your vehicle(s) at least once a year and keep a copy on ﬁle
- DO notify your insurer if you intend to authorise persons to drive who are not automatically covered by your insurance (e.g. a 20 year old if your insurance cover has an ‘over 25s’ driving restriction)
- DON’T authorise persons to drive your vehicle(s) unless you are satisﬁed that they are licensed and competent to drive the vehicle(s)
- DO notify your insurer of any proposed change of vehicle or change of use prior to the date and time of the change
- DO ensure that the certiﬁcate of motor insurance is in the same name as shown on the V5 registration document as Registered Keeper
- DO ensure that your vehicle(s) are kept in a roadworthy condition
- DO notify your insurer if you modify your vehicle(s) from the manufacturer’s standard speciﬁcation
Motor Insurance Database
If you, rather than your insurer, are responsible for maintaining your details in the Motor Insurance Database (MID):-
- DO ensure that all details are accurate and up to date
The Police can seize any vehicle where they have reasonable grounds to believe it is uninsured. They make over 2 million MID enquiries each month.
Many people think that it is culturally acceptable to make motor insurance arrangements that incorporate members of their family or employees on more favourable terms than would be routinely available without their own involvement in ‘fronting’ the insurance.
For example, saying that you own, drive and keep a car that is in reality exclusively driven by your 19 year old student son or daughter who lives in another city attending university, is deception tantamount to fraud, which is how your insurer will treat it.
In motor insurance, small acts of twisting the facts are a catastrophic mistake: lives are ruined by motor vehicle accidents, often involving young drivers – leaving a young person inadequately insured may be the worst favour you can do them.
DO make sure that all the information concerning ownership, registration, drivers, occupation and residence and all other relevant information is truthfully and adequately disclosed and described.