The common lies that cost drivers for car insurance
Robert Brown • February 20, 2019
We’ve all been guilty of telling the odd white lie to make some circumstances easier, whether to spare a loved one’s feelings or to avoid a sticky situation in our personal life.
We can strongly advise that lying on your insurance is almost certainly not the way to go, however. Go Compare have released a set of the most commonly used lies by customers when purchasing car insurance and we can personally confirm that a small fib on any of these questions is likely to cause you real problems when making a claim.
Your job
It might seem odd to lie about your occupation in an effort to lower the cost of your insurance, but your job does have an effect on how costly your premium will be. Even so, it’s not worth the potential hassle or problems that can come with offering false information to your insurer.
Past damage or claims
Whilst it’s inherently important to notify your insurer of any major incidents or accidents that you’ve experienced, it’s also key to make sure that you declare any minor dents or knocks, even in the event that you didn’t make a claim. It’s vital for insurers to get a full picture of any damage that your car has suffered in order to help them make the right decisions when it comes to processing claims; failure to do so can make that process far more difficult.
Previous convictions or points
Past driving offences and penalty points have to be declared, both during your policy and when applying for a new one. Failing to disclose both of these to your insurer can land you in hot water and could see your policy become invalidated, or even cancelled.
Car use
This is one of the most common fibs told by drivers; how the car will be used during the term of their policy. Depending on how your car will be used, whether that’s for social, social and commuting or business use is key as it will decree how you will be charged. For instance, those using their vehicle for social and commuting use will typically expect to pay more due typically using the road during peak periods.
Fronting
Plenty of parents will arrange for their child to be listed as an additional driver on their policy to lower their premium, but the person who uses the car the most must be named as the main driver. Assign your child as an additional driver when they will, in fact, be using the vehicle the most is known as fronting, which insurers consider to be fraud. Again, to save a bit of money, it’s simply not in your best interests to do so.
We all understand the need to keep an eye on your finances, but these practices are proven to cause problems for drivers when they try to make a claim. Make sure that you truthfully represent yourself when sorting out your policy and save yourself some major bother down the road!
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