Notes

Don't Lie on your own Car Insurance Application Forms
There's a curious - some would say quaint - Latin phrase some insurance professionals use to spell it out 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 one another and not telling any untruths - by commission or omission. In short, it's the reason why you don't lie on your car insurance application forms.

Whether quaint or elsewhere, this idea of utmost good faith is indeed central to the principles of the insurance business that it lies in the centre of each insurance contract. In the lack of such honesty, the contract itself could be null and void. What this means, needless to say, is that unless you tell the truth on your auto insurance proposal forms, the insurance could be declared invalid. Even though 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 making a claim, the policy can be declared invalid and you also find that you're 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 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 application forms.

One of the areas where people seem tempted to be significantly less than truthful pertains 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 consequently. In try to avoid paying the bigger premium, some people might be tempted only to lie, or never to divulge the entire truth about their motoring convictions. In website 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.

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

When it come to car insurance applications it's best to be completely honest about modified vehicles. Modifications - especially the ones that alter the performance of the automobile - are fundamental to the insurer's assessment of the risk of insuring the vehicle. If they feel they are 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 you can compare car
Homepage: https://www.instapaper.com/p/12394631