How to avoid getting in hot water over your car insurance application
Be wary of telling porky pies to your insurer
Everyone tells a white lie once in a while: ‘yes darling, you look lovely in that dress’, or ‘no problem, I’d love to come into work on Sunday!’. But you need to be careful about telling them to your insurers.
Being in any way untruthful when you submit your car insurance application will mean your insurance is invalid - and could get you in even more trouble than that.
ABI annual detected insurance fraud report (2017) showed that insurers detected 449,000 applications which they confirmed or suspected were dishonest.
The most common cause is lying in your application, or even just withholding information - with many motorists not even realising they’ve done anything wrong.
Here are a few errors to avoid to make sure you’re not just another statistic, compiled by GoCompare.
- Make sure you’re honest about how the car is used. If you list it as for ‘social’ use, that excludes any travel too or from work, so make sure you’re covered for your commute. It might make your policy more expensive, but it’s better than getting prosecuted for fraud.
- Don’t get clever with how you list your occupation, either. Your job will influence how much you pay - but don’t try to get too clever with your phrasing, or you could find yourself in a spot of bother.
- Don’t withhold any information about previous claims. The quick saving may seem appealing in the short term, but your provider will always find out, and you could find yourself in serious trouble.
- Similarly, failing to disclose driving offences or penalty points is fraudulent. It’s always better to be open about past misdemeanours.
- Finally, don’t be tempted by “fronting”. This is where parents arrange cover for their children, listing themselves as the primary driver of the vehicle, and registering their kids as secondary drivers in order to save money on pricey policies for younger drivers.
Insurers consider this to be fraud - it isn’t worth the risk.
If you’re looking to get clever with your car insurance and want to save as much money as possible, don’t risk committing fraud. Head to A Spokesman Said and search for the cheapest deals for you.
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But these battles cost us money. You could help us fund these fights by using our price comparison site, A Spokesman Said for your energy, car insurance and household bills.
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