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Does your car insurance policy cover pets? If not, get ready for heavy fines!!

November 28, 2017
Does your car insurance policy cover pets If not, get ready for heavy fines

UK motorists need to check road transport rules and regulations before heading on the streets with their pets in the car. They need to be extra careful as the accident may not only harm them and their pets but result in invalidation of their car insurance cover. If they are found guilty of causing an accident due to distraction from the pets, then the car insurance provider may cancel coverage. As per the rule, the pet should be restrained with a harness, pet carrier, cage or guard in a moving vehicle.

As per Rule 57 of the Highway Code, “When in a vehicle make sure dogs or other animals are suitably restrained so they cannot distract you while you are driving. A seat belt harness, pet carrier, dog cage or dog guard are ways of restraining animals in cars.”

Failing to assure safety could lead to a £100 on-the-spot fine if the accident occurs due to distraction through pets. Moreover, if you are unable to pay the fine then the case could be dragged to the court resulting in a maximum fine of £5,000. Most car insurance policies would reject claims for accidents if the pet was not found restrained in the vehicle.

If motor insurance experts are to be believed then around 60% of pet owners drive with their pets in the car and therefore, they need to follow the Highway Code. As most car insurance covers do not mention the clause for driving with pets, a claim made in such cases would surely face rejection. Therefore, it is advisable to have a pet insurance cover to manage finances if your car insurance provider rejects the claim.

Things to keep in mind if you are driving with pets:

Do not let the dog hang its head out of the window. It can be seriously dangerous and if that distracts you to an extent that if you end up in an accident then you will lose the car insurance cover for sure.

Next safety thing to keep in mind is that airbags are great for protecting adults from any damage but they can be a menace for kids and pets. So, if you do not have passenger side airbags then allow the pet to sit in the front seat but with restraints. Harnesses are for pet safety and for lower car insurance premiums as they show your proactive behaviour to the motor insurance provider.

To maintain cheap car insurance costs with pet cover, you should choose restraints like bed-like boxes and complete harness. This is essential so that the movement of the pet would not distract you and avoid any chances of accidents and loss of car insurance cover.

Treat the pet’s anxiety by giving proper medication especially if you are going for a long trip. You must train the pet for the drive so that they are comfortable while you set for the trip. Allow them to enter the car, sniff the place and sit or lie down comfortably in it, even when you are not driving. This will prepare them for future rides.

Tips to drive with pets to avoid invalidation of car insurance cover:

  • Check with the vet if you are planning a long trip with a pet

  • Check if the car insurance policy mentions driving with a pet as a condition and read the details to avoid any mistakes on your end

  • Ensure that the pet has identification tags and is micro chipped

  • Keep the pet’s favourite toy in the car

  • Make sure the kids and other passengers make the pet comfortable in the car

  • Drive with breaks so that the pet gets ample bathroom breaks

  • Carry food, treats and water in abundance

  • Ask the hotel staff if they allow the pet to stay in the hotel or not

  • Ultimately keep the furry pal relaxed and restrained as per rules

To sum up, car insurance cost should be kept in mind while driving with pets. Apart from a hefty fine, you may end up losing your car insurance cover if you are found driving with a pet without following the rules. What else? A pet insurance cover is a must whether you drive with your pet or not as it helps you cover medical bills in case your pet faces any accidents or ailments. The best way is to find the cheapest car insurance providers that offer pet cover as a provision.

To find the best car insurance provider in UK, shop around and compare all motor insurance providers. Choose the one that offers the cheapest motor insurance premiums and suits you the most. If you need help for this, then rely on FreePriceCompare’s comparison service that offers the cheapest car insurance quotes online. And if you are still paying heavy premiums then we can help you switch to cheaper car insurance provider without any charges. To know more about this, get in touch with us at https://freepricecompare.com/car-insurance/ or call our expert team on 02034757476.

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