can they check if i really keep my car in a garage, how many miles i drive yearly, if this has an alarm etc ?
i did not drive in uk before so not sure if they can check my history in europe (how many years without claims, etc)
2007-01-05 09:30:19 · 13 answers · asked by dupcioszek2 d 1 in Cars & Transportation ➔ Insurance & Registration
Miles are irrelevant, they aren't worried about if its kept in a garage as they cannot refuse cover because you didn't put it in there one day and cannot prove that is not the cars as long as you have a garage. the alarm/immobiliser they can check though. It doesn't matter unless your car is recovered when stolen, but the savings are too small to be worth the risk of trouble.
If you have a smash without the immobiliser you said was in there your still covered unless the immobiliser you said WASN'T there caused the smash, other than that it's not an issue that could cause a crash so you are still covered. But if your car is stolen then recovered damaged but without the immobiliser your cover wouldn't be valid.
2007-01-05 11:35:06 · answer #1 · answered by Bealzebub 4 · 0⤊ 0⤋
I work for a well known insurance company and I can tell you that you may save a few quid by lying but in the long run the savings are minimal and the costs could be huge.
The first thing to understand is that for an insurer to void your claim/policy any loss will have to be directly linked to the lie you have told. For example if you tell the insurer that your car has an alarm when it doesn't, if your car is stolen they will look into the security and reject your claim completely - leaving you to pick up the entire cost. However, if you had lied about the number of miles you drive and your car is stolen this is unlikely to result in a claim being rejected.
Furthermore, insurers share details on fraud so if you are found to be fraudulent by one, you will find it hard to get insurance elsewhere, and if you do it will be very expensive.
With regard to no claim bonus, this is an established system in this country and insurers share info when you move companies. 1 year at one insurer = one year at another and companies often cross check this detail.
Overall - people think they can get away with it because they think they will never have to claim. If you don't get caught you may save £50 or so....but if you do you could end up paying for the rest of your life (personal injury claims can run into millions of pounds).
My advice is just be honest.
Finally - just a small point is that there is more to insurance than the price. just think...if you were buying a bottle of wine, would you expect a £3 bottle to taste as nice as a £10 bottle? It's only when you have to claim that you find out why some insurers are so much cheaper than the others.
2007-01-05 09:47:09 · answer #2 · answered by Anonymous · 1⤊ 0⤋
You are looking at this from the wrong way. The reason why the insurance companies ask wether the car is garaged or how many miles you drive is to get the prices down but if you answer dishonestly and someone steals your car from the side of the road outside of your residence then they won,t pay out for your loss as you did not keep your car in the way you said you did.The same applies with mileage, if you do more miles than you tell them and have an accident then they won't pay out because you have not been honest. I call these clauses "get out" clauses because if you don't tell the insurance people the truth they can use that as a reason to get out of paying you for losses. Summing up, if you are not honest with insurance companies then don't exect them to pay you or back you if anything happens to your car even if it wasn't your fault. They have more information all the time about people because it is all stored on computers and insurance companies talk to each other. If you really want to get insurance prices down then report all the lowlife scum that steals cars and those that drive with no insurance as that raises the cost for everyone else.
2007-01-05 20:55:33 · answer #3 · answered by Ian B 1 · 0⤊ 0⤋
If you don't claim for a theft then they won't care if you put the in a garage or not, if your car is stolen at night from outside your house and you claim then you'll have to explain why it wasn't in the garage. Milage you have some leeway over, if you say your car has an alarm it has to have one, if your car is stolen and then recovered and they find there was no alarm they won't pay out for any damage caused.
In order to qualify for a no claims bonus you have to prove that you have a no claims bonus in a qualifying country, they won't give it to you without proof.
If you wnt to reduce your insurance premium the best way is buy a cheap RHD car and only insure it 3rd party f & T until you have built up a no claims bonus legally.
2007-01-05 09:39:16 · answer #4 · answered by strawman 4 · 0⤊ 0⤋
Silly person. It is a matter of disclosure. Answer any question untruthfully, and you could end up with a denied claim. If you get a security discount, for instance, because it is parked in a garage with the alarm set, then the car is stolen from your yard and they discover you have no garage, they don't have to pay. This applies to home insurance as well as auto.
2007-01-05 17:09:01 · answer #5 · answered by Fred C 7 · 1⤊ 1⤋
In the event of a claim they can go in to further details (check with neighbours, ask to see service history, now check vosa which is the body that keeps mot information on file) to verify the questions you answered when taking out the policy but have no way of checking out of uk history.
2007-01-09 09:30:30 · answer #6 · answered by grindham 2 · 0⤊ 0⤋
If you don't tell the truth and something happens, for example, your car is stolen from outside your house (when you've told them it is in the garage) then you are not covered and you lose everything. Oh, and it's also a criminal offence (fraud) not to tell the truth for material gain (lower insurance premium).
2007-01-05 09:34:58 · answer #7 · answered by Anonymous · 0⤊ 0⤋
"superb" is interior the attention of the beholder. the standards are distinctive, for each man or woman. helpful, there are secrets and techniques the insurer won't enable you comprehend. each so often the agent will. until, of direction, you circulate direct, then you definately're performing as your guy or woman agent, and additionally you do not comprehend the secrets and techniques, to tell your self.
2016-10-30 02:37:10 · answer #8 · answered by Anonymous · 0⤊ 0⤋
I used to work for an agent. They can ask your mileage. If they find out you are not telling the truth they will probably cancel you, and it will be very hard to get coverage. They don't like liars.
2007-01-05 09:44:36 · answer #9 · answered by Nelson_DeVon 7 · 0⤊ 0⤋
my car is registered at another address lol its cheaper my mate has his car insured in cornwall if the police pull you up just say ur visiting all they are interested in is that the car is insured ive got upgraded alloys in a garage even tho dont have one 6000 miles a year do about 11,000 just litllte things whos to know
2007-01-05 11:10:03 · answer #10 · answered by Graham N 3 · 0⤊ 2⤋