they were prepared to take payment and issue a certificate and make my car legal to drive. Ok if you have a bump bla bla bla, its worth a chance, there must be loads out there doing this?
2007-10-19 09:00:30 · 24 answers · asked by BRIAN D 1 in Cars & Transportation ➔ Insurance & Registration
it sound boring but tell the truth you may very well get caught out you will loose your car, money, be taken to court and its bad bad news bite the bullet and pay the right amount like everyone else !
2007-10-19 09:03:43 · answer #1 · answered by Anonymous · 0⤊ 0⤋
If any of your details are wrong within your insurance policy, it will invalidate your policy.
What you have just done is given the insurance company money for a policy which legally isn't even worth the paper it is written on.
You should have just given the money to charity, because your insurance policy doesn't actually exist because it does not cover you for anything.
Insurers aren't nice, compassionate people who enjoy taking a risk on people and will honour every tiny little claim they get. Their fundamental role is to get your money, offer you an insurance policy, and hope that you do not make a claim. And they will try EVERYTHING possible to make sure they do not have to pay out, should you make a claim.
They have multimillion pound legal teams. If your policy comes under dispute, do you think you have a chance of winning a case against big sh!t lawyers who have already quite easily pointed out the undefendable holes in your application which have invalidated your policy, without any legal respite?
If I were you, I would write off the money you have GIVEN to your insurers (or at least ask for a refund) and re-submit an application, only this time, be completely truthful.
You are only cheating yourself, not the insurance company.
Moron.
2007-10-19 09:18:09 · answer #2 · answered by mick dundee 2 · 1⤊ 0⤋
I recently got a new insurance policy for my car and didn't mention an accident that I had cuz I thought that it had already been more than five years since it happened (which was as far back as they wanted me to go). They ran a check on my past driving record and discovered that the accident occurred less than five years ago, so they informed me about it a few days later and gave me the new premium and what I needed to pay to cover the difference.
It isn't a crime where they are going to throw you in jail or black flag you with every insurance company in the world. They should simply remind you of it and inform you that your going to have to pay more than what they quoted you before, and then you will have to send them a second payment to cover the difference.
More than likely they are going to find out about your accident and they will increase your premium accordingly. Depending on how long ago your accident was (lying about an accident that occurred a month earlier for example), they could take different actions that are more drastic though. Maybe that's what everyone else was referring to, I'm not sure. It really wasn't worthwhile to try to lie to them.
2007-10-20 00:11:32 · answer #3 · answered by Anonymous · 0⤊ 0⤋
If you don't declare all information at the outset it invalidates your insurance. If you get caught not only will your premium go up, some companies may never insure you at all and you face a huge fine, criminal conviction and suspended license. Its not worth it as the major insurance companies all have systems that talk to each other and you will be black flagged in the future as a poor risk. Own up now as in the long run all you will do is ensure everyone else pays a higher premium.
2007-10-19 09:15:45 · answer #4 · answered by StephE 3 · 0⤊ 0⤋
Your comment doesn't really deserve an answer but here it is - section 174 1988 Road Traffic Act
(5) A person who makes a false statement or withholds any material information for the purpose of obtaining the issue—
(a) of a certificate of insurance or certificate of security under Part VI of this Act, or
(b) of any document issued under regulations made by the Secretary of State in pursuance of his power under section 165(2)(a) of this Act to prescribe evidence which may be produced in lieu of a certificate of insurance or a certificate of security,
is guilty of an offence.
Please can I have your name and address so I can advise the police?
2007-10-22 03:22:53 · answer #5 · answered by welcome news 6 · 0⤊ 0⤋
One fundamental error in your statement - this would not make your car legal to drive. By lying to the insuarance company not only is the policy invalid and hence the car not legal but you are also guilty of attempting to defraud the insurance company. Double whammy if they nab you and you say its worth taking a chance but don't feel hard done to if someone beats the crap out of you, if you hit them and have no insurance.
2007-10-19 09:17:01 · answer #6 · answered by ShuggieMac 5 · 2⤊ 0⤋
Trouble is....every insurance company is linked to every other insurance company, so if in the past you've had a claim, or have suddenly 'aged' 10 years, or have forgotten to mention that your car is a GTi or similar, their system will flag it up eventually, and your insurance may be cancelled and you may find it hard to get insurance again.
Sleep well.
2007-10-19 09:11:44 · answer #7 · answered by Anonymous · 1⤊ 0⤋
Criminal offence to obtain insurance by lying!!! They may well issue the policy but will probably do a few basic checks soon after. The least they will do is to put your name on a watch list available to all insurers
2007-10-19 21:27:00 · answer #8 · answered by The original Peter G 7 · 0⤊ 0⤋
It's a bad idea. Insurance policies always say that they are void if they are based on inaccurate information. So technically you aren't covered, and if you got into an accident and they found out about your history from the DMV, they wouldn't pay for it.
2007-10-19 14:16:14 · answer #9 · answered by Anonymous · 0⤊ 0⤋
You need it to be 100% (or as close as you can inocently make it) beacuse otherwise you are paying for an insurance which won't cover you when you have an accident.
They always try to wriggle out of it even when you havn't lied but in your case you are just handing them their get out quick card on a plate.
2007-10-19 09:13:33 · answer #10 · answered by ? 6 · 1⤊ 0⤋
Yes but they are being found out - as you will be. If you have an accident and the Insurance Company realise you have been telling porkies - and they will- they won't pay out a penny and you will have to pay out loads of money. Can you afford it? Much better to be honest!
2007-10-19 09:11:41 · answer #11 · answered by coffee 5 · 1⤊ 0⤋