Insurers can tell when you’re lying on your car insurance application

Lying on insurance

Nearly 500,000 insurance applications were confirmed as containing false information in 2018, either withheld or an outright lie, in an attempt to bring down the cost of quotes.

We don’t need to tell you that insurance cover based on anything other than the truth is null and void if it gets put through. Any untruths on your insurance, intentional or not, can get you into trouble. A change of address, change of job or anything else insurers ask about is important to disclose.

The dangers are real. If you’re found to be lying or blissfully ignorant of false information on your policy, at best it will be cancelled and at worst, you’ll be prosecuted for fraud. There are five main fibs that can see you caught out on your application.

How the car is used

This refers to what usage you put down: social, commuting, business or otherwise. If you commute, you have to disclose this. Insurers consider that commuters drive at the busiest times of day and are more of a risk.

‘Fronting’

A common trick for young drivers first getting on the road is to be a named driver on their parents’ policy. Insurers consider this ‘fronting’ to be fraud, given that in most circumstances, the young driver will, in fact, have main use of the vehicle.

Occupation

Different occupations carry different risks. Saying you’re something you’re not in order to get your quote lower is an obvious no-no. It’s also important to tell your insurer if you change your job.

Lying on insurance

Hiding past prangs

Your driving history is an indication of how much of a risk you pose to insurers. As such, they need to know about any recent accidents, even if you didn’t claim.

Hiding points

As above, your history indicates risk. As well as accident history, your history of road law obedience (or lack thereof) is important to an insurer. We don’t need to tell you that withholding information about points and convictions is not recommended.

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