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Avoid the worry of your insurer not covering a claim!
GoCompare Car Insurance is warning motorists not to try and cut the cost of cover by lying about their driving and has highlighted five of the most common ‘white lies’ used by motorists!
Five fibs which could invalidate your car insurance:
How the car is used: There are three types of car usage: social; social and commuting; business use. Social usage excludes any travel to and from work or other business use so, if you use your car to get to work then you need to make sure your policy covers commuting. Insurers tend to charge a higher premium for commuting and business use because drivers are more likely to be on the road at the busiest times of day.
‘Fronting’: To get cheaper cover for a young driver, some parents arrange insurance for their son or daughter, listing them as an additional driver as opposed to the main driver. This is known as ‘fronting’ and insurers consider it fraud. The person who uses the car most often should be listed as the main driver on the policy, additional drivers should only be added if they drive the car occasionally.
Occupation: Your occupation and the way you describe it will impact on the price you pay for car insurance. You will also need to tell your insurer if you change your job.
Withholding information about previous claims or damage to your car: In addition to more serious accidents, you should declare details of minor knocks and dents – even if you didn’t claim for the accident.
Failing to own-up to penalty points or other driving convictions: Deliberately failing to disclose driving offences is fraudulent. Drivers should declare penalty points and other motoring convictions when applying for a policy. Drivers should also notify their insurer immediately of any penalty points received during the term of their cover – rather than waiting until it comes up for renewal.
Lee Griffin, Founder and President at GoCompare commented “Drivers need to remember to keep their insurer up-to-date with any changes over the course of their policy. For example, if they change their occupation, receive any motoring convictions or points or make any changes to their car. “The consequences of withholding or giving false information to obtain cheaper car insurance can be severe."
For more information on insurance declarations and non-disclosures visit: https://www.gocompare.com/car-insurance/declarations-and-non-disclosures/
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Genus Vehicle Solutions (Stirling)
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Genus Vehicle Solutions (Stirling) Ltd acts as a credit broker, not a lender. We are authorised and regulated by the Financial Conduct Authority. Registered No: 722796
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