It is firstly important to recognise that possession of a valid insurance certificate for your car does not automatically mean you comply with the Road Traffic Act 1988 Part V1, Section 143 which defines the compulsory insurance requirements for motor users.
There are several conditions that you need to be aware of to ensure your insurance remains valid.
• Your insurance certificate covers you (the policyholder and any other drivers named on your policy
• You are insured to drive the vehicle mentioned on the certificate only unless it specifically states you are able to drive other cars (unless you have a specialist policy such as a motor traders, this will normally be restricted to other vehicles not belonging to you)
• Your car must be in a roadworthy condition
• You must be a valid UK driving license holder permitting you to drive the vehicle
• You must only use the vehicle for the purposes mentioned on your policy (you cannot use your vehicle for business purposes or even hill climbing racing events if your policy only covers you to use your vehicle for Social, Domestic, Pleasure and commuting to a single place of work
• Ensure your payments are up to date
• If any false, fraudulent or exaggerated claim is made under your policy, you will be running the risk that no elements of your claim will be paid, leaving you personally responsible for all associated accident costs (both yours and the 3rd parties if it was your fault) and your policy will be forfeited.
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