Notes

Don't Lie on Your Car Insurance Application Forms
There's a curious - some would say quaint - Latin phrase some insurance professionals use to spell it out the relationship between insurer and insured. That phrase is uberrimae fidei and it means "utmost good faith". Quite simply, it means that the partnership is founded on both parties being totally honest with one another rather than telling any untruths - by commission or omission. In check here , it's the reason you don't lie on your car insurance applications.

Whether quaint or elsewhere, this idea of utmost good faith is so central to the principles of the insurance business that it lies at the heart of each insurance contract. In the absence of such honesty, the contract itself could be null and void. What website signifies, of course, is that unless you tell the truth on your car insurance proposal forms, the insurance can be declared invalid. Even though you've been paying the premiums each month, if the insurer can show that you've acted in anything significantly less than utmost good faith, with regards to making a claim, the policy could be declared invalid and you also find that you are uninsured.

This is a thing that could leave you not only seriously out of pocket, if you have to fund all repairs and damage yourself, but could also put you in serious breach of the law by driving while uninsured. Therefore, the message is pretty clear - don't lie on your car insurance applications.

One of the areas in which people seem tempted to be less than truthful pertains to previous motoring convictions. They quite rightly recognise that past infractions will undoubtedly be considered by the insurer when calculating the risks, potentially resulting in an increased premium due to this fact. In attempt to avoid paying the bigger premium, some people might be tempted simply to lie, or not to divulge the complete truth about their motoring convictions. In the event of an accident, especially someone to that your police are called and something involving a subsequent summons to court, it's likely that the driver's record will come out. With this in mind, there's a threat of the insurance company then declaring that the insurance coverage is actually invalid.

the inner circle trader review for car insurance cover are sometimes economic with the truth when assessing hawaii of their health insurance and their fitness to drive. If the automobile insurance application form asks for any type of medical declaration as to your fitness to drive, it will be extremely short sighted once more to lie about any of it. Still worse, of course, would be to have told exactly the same lies or even to have exercised the same deceit with the Driver and Vehicle Licensing Authority (DVLA) so that you can secure or keep your driving licence. This is the criminal offence, your driving licence would be invalid and, along with it, will be any insurance you had arranged.

When it come to car insurance applications it's best to be completely honest about modified vehicles. Modifications - especially those that alter the performance of the automobile - are key to the insurer's assessment of the risk of insuring the automobile. If they feel they've been misled, or lied to, the chances are that they can consider whether or not to honour the insurance contract in its entirety.

Jon McGovern is from Tescocompare.com [http://www.tescocompare.com], the insurance comparison site where one can compare car insurance [http://www.tescocompare.com] policy features and prices.
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