Small, everyday decisions can have serious consequences for your insurance cover if they are overlooked.

From who drives your vehicle to how well your home is secured, certain habits may unintentionally leave you exposed when it matters most.

Being aware of these risks and taking preventative steps can help ensure your cover remains valid.

Be careful who drives your car

Handing your car keys to a friend or family member may seem harmless, but insurance policies are often based on a declared regular driver.

If someone else is involved in an accident, especially a younger or unlicensed driver, this could affect a claim or increase the excess. Always ensure that anyone driving your vehicle is properly licensed and covered under your policy.

Keep your vehicle well-maintained

Neglecting basic vehicle maintenance can do more than cause mechanical issues.

If poor maintenance contributes to an accident, an insurer may reduce or reject a claim.

Regularly check tyre tread, brakes, lights, windscreen condition, wipers and fluid levels to ensure your vehicle remains roadworthy.

Understand what your policy includes

Assumptions about cover can be costly.

Not all policies automatically include benefits such as roadside assistance, towing or replacement transport, and some require specific procedures to be followed.

Taking time to read and understand the fine print can prevent unexpected expenses and delays during a claim.

Avoid reckless or unlawful driving

Driving under the influence, speeding, or reckless behaviour can invalidate insurance cover.

Claims are unlikely to be paid if the driver was breaking the law at the time of an incident. Safe and responsible driving protects not only lives but also your financial security.

Insurance is designed to provide peace of mind, but it relies on responsible behaviour and proper preparation.

Reviewing your cover, maintaining your assets and understanding your responsibilities can help prevent unnecessary complications and ensure that you remain protected when you need it most.

In general

Do not leave your home unattended for too long

Many policies place limits on how long a property can be left unoccupied.

Exceeding this period without notifying your insurer may change your cover conditions.

Before leaving your home, lock all doors, windows and gates, test alarm systems, secure valuables and arrange for someone trustworthy to check on the property regularly.

Extra care should be taken with high-value external items that are commonly targeted by thieves.

• Information from King Price Insurance.