No matter whether you’re looking for quotes through an insurance comparison site, an insurance provider or an agent, you’ll need to answer a lot of questions before an accurate price can be given. It doesn’t matter who you seek a quote from, it is important that you have all the information you need before you submit your application. This will make the process much easier than if you need to search for each answer individually.
Information about You
All details about your driver’s license, including type, length, and any points, will be required. All named drivers for the vehicle on the policy will need to provide these details. A car insurance history will also be required. You will need to provide a complete record of all claims you have made, the amount of your no-claim discount, and any names of insurance companies that can verify this information. As well, you will need to give the full address and postcode of the property where you live.
Details About Your Vehicle
It is vital that your vehicle is insured. Questions will be asked about your vehicle’s registration number and make, model, value, storage location, and how often you drive it each year. The insurance provider will ask you questions about the purpose of your vehicle. This could include whether it is being used solely for social activities, commute, domestic use, or for work. You must not lie or exaggerate the truth, no matter what. If your insurance provider finds out that you have not provided the correct information, you could lose your entire policy.
Legal Requirements
Any car older than three years must pass the MOT test. You will need a certificate to prove that it passed. You can’t tax a vehicle if you don’t have a MOT certificate or car insurance certificate. It is illegal to drive a car without all these documents. According to the Road Traffic Act, you must have insurance coverage in case of any injury or damage you cause while driving your vehicle. If your policy is subject to change, you must notify your insurance provider. This applies to any traffic citations or driving offenses you may have, and any modifications you make to your car. However, it is best to consult with your agent before making any modifications. This is known as ‘utmost goodness of faith’. This means you have to immediately inform your insurance company about any information that may be important to your policy. This means your insurance company assumes that all details in your policy are correct. You run the risk that your claim will be denied if any of these details are incorrect.
Fronting
Fronting is a very common offense against car insurance policies. This happens when a parent lists his or her child as the named driver on an insurance policy, but the child is the actual primary driver. The vehicle may also be owned and registered to the child. Young drivers may find insurance premiums cheaper if they are the owner and registered holder of the vehicle. However, if this is discovered by your insurance provider, they can either reject your claim or cancel your policy altogether.