Car Insurance: Christmas decorations could invalidate a policy or cause a £5,000 fine

Car Insurance: Christmas decorations could invalidate a policy or cause a £5,000 fine

12/19/2019

Car insurance providers may refuse to pay out on repairs if motorists have updated their car with festive decorations as this could be seen as a modification. Upgrades to a vehicle which go beyond a standard specification will be enough to invalidate car insurance if you fail to tell your provider.

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Christmas decorations on a car are considered a modification because it alters a vehicle from its standard settings.

Even a simple sticker on a car windscreen to spread the festive cheer is enough to be considered a major car upgrade.

However, motorists may be able to keep decorations on a vehicle after speaking to their car insurance provider.

Upgrades may make your car more attractive to criminals and thieves which could see insurance providers increase your average premium price.

Overall costs could dramatically rise with the updates which may put some road users off changing the look of their vehicles.

Tom Preston, car expert and Managing Director for Zero Deposit Leasing, said: “Our research also shows thousands of motorists have been searching online to buy things like car antlers.

“But drivers who want to get into the spirit of the season on their daily commutes, by transforming their car into Rudolph the Red Nose Renault, should probably think again if they want to avoid having a blue Christmas this year. Bah humbug, indeed.”

Those who have decorations covering their car windscreen may face fines of up to £100 and three points on a driving licence from police officers.

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However, in some extreme cases, this charge can even rise as high as £5,000 with officers entitled to issue up to nine driving licence penalty points.

It is also against the law to shine coloured lights at the front and rear of a car unless these are standard headlights.

Coloured lights are banned for fear these could distract other road users which could pose a major safety risk.

The lights could also distract you behind the wheel if they fall down or cover parts of the windscreen.

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  • Your car insurance policy could be invalidated

However, in some extreme cases, this charge can even rise as high as £5,000 with officers entitled to issue up to nine driving licence penalty points.

It is also against the law to shine coloured lights at the front and rear of a car unless these are standard headlights.

Coloured lights are banned for fear these could distract other road users which could pose a major safety risk.

The lights could also distract you behind the wheel if they fall down or cover parts of the windscreen.

Alongside the potential fines and loss of your car insurance, motorists could see themselves splashing more money on petrol costs with the modifications.

General Motors claims adding simple reindeer antler or a Rudolph nose can add to your overall fuel charges.

The added extras will cause efficiency to drop by one mile per gallon as three percent drag is added to the vehicle.

Tom Preston added: “It really seems no good can come from trimming up your car at Christmas.

“We say it’s probably best to be a bit of a Scrooge when behind the driver’s seat, and save the tinsel for the living room instead.”

Motorists are also warned to take care if they are transporting festive items such as a Christmas tree.

The Highway Code says motorists must secure a heavy load to their vehicle before setting off on a journey and road users will be stopped by police officers if these look likely to fall off. 

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