Car insurance is one of the largest financial expenses associated with driving a car. It can be expensive for many drivers, particularly younger drivers and those who have made claims in the past. This is why many motorists shop around for the best price. Prices can vary between companies. It can be difficult to get a quote or compare policies, especially when you have to provide the insurer with information about your vehicle and personal circumstances. It is important to ensure that all information provided to the insurer is accurate. Driving illegally could be as simple as providing incorrect information or leaving out vital details from your application.
False information to obtain a policy for car insurance is against the law. Many people make this mistake and end up in serious trouble. People withhold information because they think it will save money on their car insurance. This is a problem because you could end up in court if you give incorrect information, either intentionally or unintentionally, about your car.
For example, motorists who have endorsements on their driving license find that their premiums are higher or they are denied coverage for their vehicle. They will receive a lower quote if they don’t tell the insurance company that they have endorsements on their driving licence. The quote was based on inaccurate information and is not accepted by insurance companies or police in the case of an accident.
The insurance company won’t be able to tell you that you gave incorrect information when you purchase car insurance. If you file a claim on your insurance, they may ask for documentation to support your original claim. They may refuse to cover you if they find that your details differ from the ones on your policy. Fraud could result from you not providing the correct details when you purchase vehicle insurance. Fraudulently obtaining car insurance could lead to you being prosecuted and liable for very high fines. The original, expensive car insurance quote could look much more attractive if you have the right information.
You may be asked to provide your insurance documents to police in a number of circumstances. They can charge you if you fail to show them a valid policy certificate. This could be considered illegal driving and a violation of insurance. It is mandatory that anyone who causes or permits a vehicle on any road or public space in the UK has valid insurance against at minimum third-party risks. This applies to parking your car, or leaving it on a public street. It is also against the law to allow someone else to drive your vehicle without insurance.
It is essential that you provide accurate information when applying to car insurance. This will help avoid being charged with a criminal offense and paying large fines. Even if all the information you gave at the time you purchased your premium was correct, the insurer must know any changes or additional information. This includes modifications to your vehicle or the possibility of another driver driving your car. You should not assume that all circumstances will increase your premium. It is important to consult with the insurance company if you have any questions.