Notes

Don't Lie on Your AUTO 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 also it means "utmost good faith". In other words, it means that the partnership is founded on both parties being totally honest with each other and not telling any untruths - by commission or omission. In short, it's the reason you don't lie on your car insurance application forms.

Whether quaint or otherwise, 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 lack of such honesty, the contract itself can be null and void. What this means, needless to say, is that if you don't 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, in terms of making a claim, the policy could be declared invalid and you also find that you are uninsured.

This is something that could leave you not only seriously out of pocket, if you have to fund all repairs and damage yourself, but may possibly also put you in serious breach of regulations by driving while uninsured. Therefore, more info is pretty clear - don't lie on your car insurance application forms.

One of the areas in which people seem tempted to be less than truthful relates to previous motoring convictions. They quite rightly recognise that past infractions will undoubtedly be taken into account by the insurer when calculating the risks, potentially resulting in an increased premium therefore. In try to avoid paying the higher premium, some people might be tempted only to lie, or not to divulge the entire truth about their motoring convictions. In the event of an accident, especially one to that your police are called and something involving a subsequent summons to court, it's likely that the driver's record should come out. With this in mind, there's a risk of the insurance provider then declaring that the insurance coverage is actually invalid.

Some applicants for car insurance cover are sometimes economic with the reality when assessing the state of their health and their fitness to drive. If the automobile insurance application form requests almost any medical declaration concerning your fitness to drive, it could be extremely short sighted once more to lie about it. Still worse, of course, would be to have told exactly the same lies or even to have exercised exactly the same deceit with the Driver and Vehicle Licensing Authority (DVLA) as a way to secure or keep your driving licence. This is the criminal offence, your driving licence would be invalid and, along with it, would be any insurance you'd arranged.

When it come to car insurance applications you need to be completely honest about modified vehicles. Modifications - especially those that alter the performance of the car - are fundamental to the insurer's assessment of the chance of insuring the vehicle. 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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