What are the risks involved if you do not tell your car insurers about any convictions ie drink driving?

Answer 1

That is called INSURANCE FRAUD, and it is a Federal offense.

It wouldn't work anyway. The rate they quote you is not guaranteed. Your insurance company will check your driving record before they validate your policy and they will change their good-faith estimate. It will be up to them as far as pressing charges.

Answer 2

Hi

Very simple: you are not covered. By not informing your insurance of fines or convictions you are rendering your insurance invalid. If you have an accident, the insurance company will refuse to pay and you can also be convicted for driving without a valid insurance cover.

Not a risk I would take!!!

C

Answer 3

The problem is if you are involved in an accident and they find out about the convictions They can invalidate your insurance
You are them personally responsible for 3rd parties damage + your own and you can be prosecuted for driving without insurance and depending on any injuries to 3rd parties you could spend time behind bars plus have a hefty fine

Now does it seem worth the risk

(ex driving instructor)

Answer 4

It is an offence not to disclose any information that is asked on an insurance policy questionnaire. If you choose not to disclose any convictions or impending prosecutions and you are issued with insurance, it is immediately null and void. Technically speaking you will NOT be insured and could be charged with fraud. The only way is to be honest, divulge any convictions or impending prosecutions. Some insurers will not insure you, others will, but at a premium.

Answer 5

Your insurance will be invalid.
So you will be paying for no benefit.

If you did try to claim on the insurance, you could be convicted of fraud, although a conviction for driving without insurance is more likely.

Answer 6

Your insurance will be invalid, and if you have an accident, you won't be insured.

You might as well not have any insurance at all rather than lie about because the end result is the same. The only difference is you're paying for one.

Answer 7

Thanks to computerized records checks, your insurer will note that you lied on the application and either refuse to insure you [that's the good news] or refuse to insure you AND make sure your name goes on one of those lists of risky customers [bad news]. All of the above will stick to you like glue... and then there's the famous question, "Have you ever been refused insurance?" Gee...pay high and stay honest while there's still a window of opportunity. Not telling your car insurance folks the soggy truth is about as sensible as retouching X-rays to make a broken leg go away.

Answer 8

Do you think insurance companies are staffed with idiots? They will do an extensive check of your driving history and when they find out, they will cancel your coverage and could prosecute you for providing false information on an insurance application. Or, you get into an accident and then they find out and void your coverage and you're really screwed.

Answer 9

If you are involved in an accident your insurance will be invalid so you have to pay for all repairs yourself, plus you could be done for driving without insurance

Answer 10

They will find out and may refuse to insure you which will mean you are driving without inssurance or they may suspend your insurance until you pay the full premium. It will I understand affect you for about 10 years

Answer 11

you could end up eating porridge or working for the rest of your life to pay compensation your policy is invalid but if you do some leg work you can get insurance quotes right down mine is £311.98 after a 16 month ban