You may think a little white lie never hurt anyone, but giving your car insurer the wrong information can put you at risk of invalidating your policy.
This could prove to be nightmarishly expensive in the event of a claim.
If you get caught, the insurer has the right to cancel the policy or charge the correct premium as a lump sum.
Divers who have had their policy cancelled will then have to declare this on any future applications, and could find it harder and more expensive to get covered.
Insurers can also refuse to pay out for any claim you make which means you could be treated as uninsured.
And depending on the severity of the lie, the driver runs the risk of being blacklisted by all major car insurers.
This could make it virtually impossible for the driver to obtain car insurance from the mainstream providers, and potentially get a cheap premium.
A lie in this instance does not have to be a blatant mistruth.
It could mean withholding a piece of information that the insurer would use in calculating the insurance premium or misrepresenting certain details to get a better price.
The most common falsified bits of information are:
It’s not worth calling your insurer up if you have brand new seat covers but if you’re modifying your car to add value to it – adding a great big exhaust, for example – you should let your insurer know.
Giving your insurer the wrong information about how you intend to use your car could also get you in trouble.
Insuring your car for “social, domestic and pleasure” use can cut your premium but may not mean you’re insured to drive to work.
Even if you drive to a train station daily before commuting to work, you would still need a “social and commuting” policy as you’re driving on the road in busy commuting hours.
And registering your policy as “social and commuting” only covers you to commute to one place of work.
So, if you’re using your car as part of your job, to drive to other sites as well as your usual place of work, you’ll need to insure it for “Business Class 1”.
For more information, take a look at our guide to classes of use.
Some people think it’s acceptable to buy insurance for their son or daughter, listing them as an additional driver as opposed to the main driver.
This strategy is known as “fronting”, which may result in lower premiums but insurers consider it fraud.
The person who drives the car most often should be listed as the main driver on the policy, and additional drivers should only be added if they drive the car occasionally.