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 describe the partnership between insurer and insured. That phrase is uberrimae fidei also it means "utmost good faith". In other words, it means that the relationship is based on both parties being totally honest with each other and not telling any untruths - by commission or omission. In a nutshell, it's the reason why 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 in the centre of each insurance contract. In the absence of such honesty, the contract itself could be null and void. What this signifies, of course, is that if you don't tell the truth on your car insurance proposal forms, the insurance can be declared invalid. Despite the fact that you've been paying the premiums every month, if the insurer can show you've acted in anything significantly less than utmost good faith, with regards to creating a claim, the policy can be declared invalid and you also find that you're uninsured.

This is a thing that could leave you not merely seriously out of pocket, when 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, read more is pretty clear - don't lie on your own car insurance applications.

One of the areas where people seem tempted to be less than truthful pertains to previous motoring convictions. They quite rightly recognise that past infractions will be considered by the insurer when calculating the risks, potentially resulting in an increased premium consequently. In try to avoid paying the bigger premium, some people may be tempted simply to lie, or never to divulge the complete truth about their motoring convictions. In case of an accident, especially someone to that your police are called and one involving a subsequent summons to court, it's likely that the driver's record should come out. With this thought, there's a threat 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 operate a vehicle. If the car insurance application form requests any kind of medical declaration concerning your fitness to operate a vehicle, it will be extremely short sighted once more to lie about any of it. Still worse, needless to say, is to have told 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 a criminal offence, your driving licence will be invalid and, alongside it, would be any insurance you had arranged.

When it arrived at 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 are misled, or lied to, the probabilities are that they can consider whether 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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