Motorists are being warned they could face a £300 fine and six penalty points for a common insurance mistake. The penalty applies to drivers who fail to notify their insurer about changes that affect their policy, such as modifications to the vehicle or a change of address.
According to experts, many drivers are unaware that even minor modifications, like adding a roof rack or changing the car's colour, must be declared to the insurance company. Failure to do so could render the policy invalid, leading to a fine and points on the licence.
The warning comes as part of a broader campaign to educate drivers about their responsibilities under the Road Traffic Act. Insurers are increasingly using data-matching technology to identify undeclared changes, which can result in penalties or even prosecution.
Drivers are advised to review their insurance policies regularly and inform their provider of any changes immediately. The fine and points can also lead to higher insurance premiums in the future, making it a costly mistake to overlook.
