Insurance 'Fibs'

[zeXile]

I know its not advisable to lie on your insurance, but when it comes to the "how long have you owned" part, would it still invalidate your insurance to say youve owned a car for longer? How would they know youve lied.

I ask because a friend is buying his brothers car from him, the brother has owned it for years.

Thanks

[vit4]

Any information knowingly supplied as incorrect would invalidate insurance if proved.

The name & corresponding dates on the car's ownership history would be pretty concrete to prove it false information.

[zeXile]

ah ok, is it worth him mentioning that the car was his brothers for years, or is it more to do with having experience driving that car

[aw51 121565]

"Hello DVLA, option 1 please. Hello? Option 3 I need to press the number for my choice? OK." *beep*.

"Swines hung up on me, hey ho!"

Tries again.

*sundry beeps according to the options given* "Hello, yes, XYZ insurance company here... yes, a car with the registration number AB12 CDE, when was the last change of keeper?"

Or...

www.directgov.uk (or whatever) --> vehicle enquiry page --> input details on the right page --> date of last change of registered keeper.


Incidentally, insurance companies sometimes give a discount if you've owned the car for longer than a certain amount of time (for Lancaster Insurance, I think it's a year), so being economical wih the truth might not be the most positive move .

[Motorrad]

Disclose every word of truth. Not complicated.

[Boba Fret]

So if we have to be completely honest and truthful with them, why can they not be with us. for eg...

Customer: Why has my premium rocketed when I have had no claims or points in the last year
Insurer: cash for claims....hire cars.....blah blah blah.

When in reality what they should say is

"Because as a company we have an obligation to our shareholders and therefore we have to rip you off to cover our asses"

[Kiltox]

Boba Fret said:

So if we have to be completely honest and truthful with them, why can they not be with us. for eg...

Customer: Why has my premium rocketed when I have had no claims or points in the last year
Insurer: cash for claims....hire cars.....blah blah blah.

When in reality what they should say is

"Because as a company we have an obligation to our shareholders and therefore we are milking hire cars, compensation claims etc for all they are worth so that our subsidaries make money even if we don't"

EFA

[Noger]

zeXile said:

ah ok, is it worth him mentioning that the car was his brothers for years, or is it more to do with having experience driving that car

If your friend didn't own it, then I fail to see what the problem is.

Unless he is seeking to reduce premiums, then an insurer would not be able to refuse to pay, as the misrepresentation would not have induced them, and anyway is likely to be innocent.

[98elise]

Noger said:

zeXile said:

ah ok, is it worth him mentioning that the car was his brothers for years, or is it more to do with having experience driving that car

If your friend didn't own it, then I fail to see what the problem is.

Unless he is seeking to reduce premiums, then an insurer would not be able to refuse to pay, as the misrepresentation would not have induced them, and anyway is likely to be innocent.

Nor me, does it even affect premiums?

[Kiltox]

98elise said:

Nor me, does it even affect premiums?

It affects premiums with Admiral Group insurers - owning a car for over a year provides a reduction

[The Black Duke]

Just a thought, does that make all the people buying their car in a basic hire purchase plan or PCP liers when they say for example they have 'owned' their car for one/two/three years as technically they don't own the car until the last payment is made. Surely the correct question on the insurance questionnaire should be "How long have you been the registered keeper of the car?". Just a thought so sorry from straying away from the question slightly.

[nobodyknows]

As the owner & registered keeper are not the same thing, could he not have owned the car but only recently registered it in his name? I guess that's probably an offence in itself?

[The Black Duke]

Nope there is certainly no offence there. You can be the owner of a car and your kids could be the registered keepers.

[Kiltox]

anonymous said:

[redacted]

I specified Thatcham 1 for my Laguna but the documents that came out to me said Manufacturer Fit...... so I don't know the answer to your question

[Kiltox]

Assuming you have the certificate which states your alarm is Cat 1 I see no issue with declaring it as such though