Can a dirty car really affect your insurance?

We’ve all been there. You finally get around to washing your car, only for it to be splattered with mud the moment you pull back onto the road. This is particularly frustrating in winter, when keeping your car clean feels like a losing battle. But beyond appearances, could a dirty car really put your insurance at risk?

A bit of mud on your car’s bodywork won’t affect your insurance, but if dirt builds up in the wrong places, you could have a problem on your hands.

For example, if your windscreen is so dirty that it affects your view of the road, that could be classed as an obstruction that then affects your insurance. In the event of an accident, your insurer may question whether poor visibility played a part, and could reject your claim.

To stay on the safe side:

• Keep your windscreen clear and your washer fluid topped up

• Make sure your mirrors and windows are clear before you set off

• Check that your number plates are visible and not covered in grime

More than just being good habits, these are legal requirements. If you’re stopped by police and they can’t read your number plate, you could face a fine.

If your number plate can’t be read because it’s dirty and you’re involved in an accident, your car might not be legally compliant and an insurer could reject your claim.

Be aware that anything hanging from your rear-view mirror, like air fresheners or decorations, can be a distraction. So, if your insurer believes something inside the car affected your ability to see clearly, they could reject a claim on that basis.

Even small things like windscreen stickers or suction-mounted sat navs can cause issues. If they’re in your life of sight, they could lead to a failed MOT, or worse – a denied claim after an accident.

If you’re driving with a dog in the car, they need to be properly restrained. A pet who’s not secured in the proper way can pose a serious distraction and, in the event of a crash, could cause injury to themselves or others. If your insurer thinks an animal contributed to an incident, they may not pay out.

While The Highway Code doesn’t specify how pets should be restrained, seatbelt harnesses, pet carriers and dog guards are all suitable options.

There’s no law against driving in flip-flops or crocs, but your shoes must allow you to operate the pedals safely. If your footwear is deemed inappropriate and contributes to an accident, it could affect your claim.

The AA recommends that you don’t drive while wearing shoes with poor grip or a loose fit ^[1] (like sandals, high heels or backless styles). Just make sure you’re wearing something comfortable and secure that gives you proper control.

Your car doesn’t need to be spotless, but it does need to be safe. Anything that impacts your ability to drive clearly and confidently – from a dirty windscreen to a dangling air freshener – could put your insurance at risk.

A quick check before you set off can make all the difference. It’s a simple way to protect everyone in the vehicle, and your cover.

At Everywhen, we work with you to find cover that fits. To speak to our team, call 01792 522 622.



[1] Best shoes to drive in and is it illegal to drive barefoot | The AA


Consistent with our policy when giving comment and advice on a non-specific basis, we cannot assume legal responsibility for the accuracy of any particular statement. In the case of specific problems, we recommend that professional advice be sought.