does anyone know if motor insurance companies know if the details you put in are correct or not??? just asking beacuse it so expensive if you dont have at least 1 yrs no claims. Would they be able to find out if i put i had 1 years no claims when i exactly havn't?????
2007-08-19 08:29:23 · 20 answers · asked by Sammi 1 in Cars & Transportation ➔ Insurance & Registration
All insurance companies will ask for proof of no claims discount. They can also check the Motor Insurance Database to see if you have had any claims, any policies cancelled by the insurer and to see if all your details match up with those you provided to a previous insurer, e.g. if you tell your current insurer you have 6 points on your licence, then fail to disclose these to your new insurer when they are still valid, they can check and consequently cancel or void any policy with them. Bottom line...don't lie, you will get found out
2007-08-19 09:34:31 · answer #1 · answered by dh06111 2 · 1⤊ 0⤋
Yes. They will check.
They will ask you to supply proof of your No Claims entitlement.
If you cannot, they will ask for the details of your last insurer so they can get it themselves. If you have signed documents and they find out you have falsified information on the documents, they will cancel the insurance and may prosecute.
More people risk having no insurance at all than giving false information.
Of course, having no insurance raises the penalties even higher. The police will always prosecute and you could face a prison sentence and a huge fine.
2007-08-19 13:08:39 · answer #2 · answered by Rob K 6 · 0⤊ 0⤋
Lying on an insurance application can get your policy CANCLED here in the US, which will lead to purchasing state run insurance (costs about 70% more than private). Also, if you are in a collision the insurer has the right to DENY any claim due to false information given at the time of purchase. Want to roll those dice?
2007-08-19 13:13:52 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Put it this way they can check details of insurance with other companies very quickly, so if you do not show up they will know. In any event they will ask who insured you previously.
I can't remember the Latin tag but it means utmost good faith so if you know or should know something which may increase an insurers loss you are obliged to declare it. If you do not the insurer can in severe cases repudiate the policy
2007-08-19 09:16:06 · answer #4 · answered by Scouse 7 · 1⤊ 0⤋
They might check, they might not. Thats not the problem, your problem is when you crash the car and have to claim on your insurance.
The company will not pay up, they dont pay up if any tiny little bit of information you gave them is incorrect.
So that leaves you in a bit of a hole, because not only have you got to pay for your car to be repaired or replaced, you will be locked up for having no insurance.
Then you will know what expensive insurance is when you have at least 3 points and a conviction.
Even if you dont crash in your first year you will have one years NCB more than you should have.
You claim with that and you will not have any cover either.
Just be honest, its really not worth lieing in the long run.
2007-08-19 08:56:42 · answer #5 · answered by futuretopgun101 5 · 1⤊ 0⤋
There's no getting away from the truth nowadays. Any details would be on a central computer system available to all insurance companies. Tell the truth because when you're found out you'll pay the price... especially if you have an accident.
2007-08-19 10:49:58 · answer #6 · answered by Anonymous · 1⤊ 0⤋
Do not lie say I don't know. Fraud is looked at very seriously. Insurance is expensive. No insurance you will be sued by some ones family your car killed when you foot slipped off the brake. Yes they check the data bases department of motor vehicals and local police departments for speeding tickets and running red lights no insurance tickets. Insurance can be cut by taking defensive driving course. Having a security system with starter interupt or immobilizer or Lojack.
2007-08-19 08:40:01 · answer #7 · answered by John Paul 7 · 1⤊ 1⤋
yes - they would find out. They have access to your DMV records and most records for any other insurance company you've been with (as far as accidents are concerned).
If you've been in accidents - you may have been 'indexed' on what we call ISO.
Besides...is lying worth it? Material misrepresentation on an insurance application is fraud. Fraud charges can be brought against you.
::shrug: life is too short to recover from a bad rap like that.
choose the right.
~jifr!
2007-08-19 10:22:35 · answer #8 · answered by Jifr 4 · 1⤊ 0⤋
They absolutely will know. Whenever you get into an accident it goes into a database that all insurance companies can access. What you are attempting to do is illegal and called insurance fraud- and you wont get away with it.
2007-08-19 08:47:26 · answer #9 · answered by Anonymous · 1⤊ 0⤋
companies ask for proof of your no claims discount either when the policy starts or if you make a claim. please son't lie as, if you have an accident your insurance could be invalid which won't help with the cost of repairs or if you injure a third party !!
2007-08-19 08:40:50 · answer #10 · answered by Anonymous · 1⤊ 0⤋