You pay for insurance to protect your most valuable assets—your car, your home, and your peace of mind. But did you know that certain actions (or inactions) can void your coverage without you realizing it?
At Bulger Insurance, we want you to be aware of the common—and sometimes surprising—ways people accidentally invalidate their auto or home insurance policies. Avoiding these missteps can save you from major financial stress down the road.
🚗 Auto Insurance Pitfalls
- Hiding past infractions: Failing to disclose speeding tickets or driving offences can result in policy cancellation.
- Not reporting accidents: Even minor accidents should be reported—omitting them could expose you to legal and financial risk.
- Undisclosed vehicle modifications: If you’ve altered your car, your insurer needs to know.
- Driving for Uber or deliveries: Personal policies generally don’t cover commercial use. Ask us about proper coverage.
- Driving illegally: Driving under the influence or without a valid license? Expect claim denials.
- Fudging mileage or address: Be honest about how far you drive and where you live—this info affects your premium and claim eligibility.
🏠 Home Insurance Hazards
- Running a business at home: Your homeowners policy may not cover business-related losses unless disclosed.
- Renovating without notice: Major upgrades can affect your coverage—let your broker know and keep your receipts.
- Vacant properties: Leaving your home empty for over 30 days without notifying your insurer can void coverage.
- Too many claims: Frequent claims can flag your file and potentially lead to non-renewal.
- Unreported tenants: Taking on a roommate or renter? Inform your insurer to ensure you’re still protected.
- Criminal activity or intentional damage: These are grounds for immediate policy termination—and possibly legal action.
✔️ Keep Your Coverage Safe
- Tell the truth. Always be upfront on applications and claims.
- Stay updated. Inform your broker about life changes, new drivers, home improvements, or job changes.
- Read your policy. Understanding your coverage can help you avoid unexpected denials.
If you’re unsure whether something might affect your insurance, just ask us! At Bulger Insurance, we’re here to help you protect what matters most—with no surprises.
Have questions? Contact us at info@bulgerinsurance.com or visit us in Edmonton.
