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Common lies people tell in hope of getting cheaper car insurance

Patrick Christys
Jun 25, 2019

Lying comes more naturally to some people than others. Fraudsters, con-artists, estate agents...any of my ex-girlfriends.

But lying to get cheaper car insurance is an absolutely terrible idea. 

A study by LexisNexis Risk Solutions found that some motorists are willing to massively stretch the truth to try and secure cheaper overall cover.

Some fibs are easier to spot than others. For example, the bloke who said he had off road parking right outside his front door...despite living on a sixth floor flat.

But, all joking aside, it's a terrible idea to lie when it comes to your car insurance.

It could invalidate your cover and leave you footing the bill when some Doris smashes into the back of you on the M1.


Research shows two fifths of drivers using a no claims bonus/discount on multiple vehicle.

Another lie drivers are telling is changing information regarding their occupation or age on a car insurance application to lower the cost of the premium.

Around 35 per cent of 18-34s are most likely to try this tactic, found the research.

Martyn Mathews, Senior Director of Motor Insurance, U.K. and Ireland, at LexisNexis Risk Solutions, said, “Honesty is always the best policy.

"Drivers risk their policy being cancelled and any claims refused if they are found to be less than truthful with their insurer.

“Not only does this leave them at risk of funding their own repairs in the event of damage to the vehicle, but it could also make it difficult for them to obtain insurance from any other provider in future.

“Younger drivers tend to pay the highest premiums because they are proven to be the riskiest so it’s easy to see why this age group are more likely to stretch the truth than older drivers. 

“Our research does suggest an urgent need for much more awareness and education of the risks of supplying inaccurate information to their insurance provider.

“In most cases, drivers providing false information do so without realising the potential consequences. 

"As an industry, we need to do more to help consumers understand the value of cover and the importance of providing full and accurate information to their insurance provider.”

Lies big and small which some motorists think are acceptable:

1. 40 per cent - Using the same no claims discount/bonus on multiple vehicles 

2. 18 per cent - Reporting a hit-and-run accident when they damaged the vehicle 

3. 17 per cent - Changing information regarding their occupation or age on a car insurance application to lower the cost of the premium,35% of 18-34s are most likely to try this tactic 

4. 17 per cent - Letting a driver not listed as a named driver on the policy drive their vehicle 

5. 16 per cent - Using a different address (family member or a friend)  to lower the cost of their premium 

6. 14 per cent - Omitting previous claims information on a car insurance application 

7. 12 per cent - Exaggerating the severity of a personal injury (e.g. whiplash) to increase the amount of money paid out 

8. 12 per cent - Changing the number of years of valid no claims discount/bonus 

9. 12 per cent - Exaggerating the damage to a vehicle to increase the pay out 

10. 11 per cent - Reporting a different driver than the one who caused the damage to make a claim 

11. 11 per cent - Receiving a payment for a claim made and then re-reporting the damage later 

12. 10 per cent - Intentionally damaging or abandoning their vehicle to claim a total loss and get the vehicle replaced

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When did you last switch your car insurance provider?

Last year 65% of customers didn't switch their car insurance to try and get a better deal.