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Lying on car insurance to police when stopped?

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Lying on car insurance to police when stopped?

Postby boyden » Fri Jul 13, 2012 3:06 am

if a person lied about the age on a car insurance policy and stopped by the police ..what would happen i understand if someone were to do this that they could not claim if crashed and would probely lead to criminal charges.
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Lying on car insurance to police when stopped?

Postby amaury » Fri Jul 13, 2012 3:16 am

Most likely it would lead to possible criminal charges for fraud (would cause you no end of grief in the future with job, loan and mortgage applications to name but a few), could land you with a massive bill for expenses incurreed by whoever you crashed into (could be many thousands if you crash into them and break their back or something), your own insurer would in any case ask to see a copy of your licence and would most likely void your insurance due to you obtaining insurance by deception (basically fraud, again I can not stress how serious this is - fraud is a criminal charge and will pretty much screw your life up).

I'm not saying you are, but if you were to give your insurer a wrong date of birth, the most likely at the start of the policy they'd ask for a copy of your licence anyway, and they would certainly ask for this is a claim was made against you.

Just be 100% honest with everything and it will cause you a LOT less heartache in the future.

If everyone in the UK had been 100% honest with motor insurance companies until today, insurance would cost a HUGE amount LESS than it does today :/
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Lying on car insurance to police when stopped?

Postby platt » Fri Jul 13, 2012 3:32 am

It depends upon how big of an age difference you use. 1 yr, probably nothing. If you're 18, look 25 and used 25, your policy will probably cover damages to other's property, but not yours. Lying to get cheaper insurance results in no insurance coverage. But usually insurance companies ask for a driver's license for a driver's record check. And that check might have your birthday on it. So, if they wanted to, the insurance company/agent could collect your premiums with no intention of paying out (not likely) in case of accident citing that you lied on your coverage. The agent gets his commission and you get nothing. The police don't have the details about your age on your policy. Probably the most they have access to is the name of the company, policy number, expiration date & status, name of insured & address, and description of the insured car. Your proof of insurance card has the same info.
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Lying on car insurance to police when stopped?

Postby gofraidh » Fri Jul 13, 2012 3:39 am

It depends upon how big of an age difference you use. 1 yr, probably nothing. If you're 18, look 25 and used 25, your policy will probably cover damages to other's property, but not yours. Lying to get cheaper insurance results in no insurance coverage. But usually insurance companies ask for a driver's license for a driver's record check. And that check might have your birthday on it. So, if they wanted to, the insurance company/agent could collect your premiums with no intention of paying out (not likely) in case of accident citing that you lied on your coverage. The agent gets his commission and you get nothing. The police don't have the details about your age on your policy. Probably the most they have access to is the name of the company, policy number, expiration date & status, name of insured & address, and description of the insured car. Your proof of insurance card has the same info.
The age is on the driving licence and the police would know as soon as they see the car before even pulling it over.

As the car has no insurance because the age is wrong the driver will get minimum 5points, minimum £200 fine and the car will be seized. The insurance will be cancelled by the insurance company and that would mean getting insurance again would be almost impossible so getting the car back from the impound will be fun.
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Lying on car insurance to police when stopped?

Postby haslet » Fri Jul 13, 2012 3:42 am

The police would contact the insurer, tell them what has happened, and ask the insurer if they would still honour cover under the circumstances. In the majority of cases, if not in all cases, the insurer would not honour cover as they make it quite clear to you when you apply for the insurance that giving false information or withholding information could invalidate the insurance. They also ask you to check all the details on your documents when you receive them, so even if the first time it had been a genuine error, you would have been aware when you got the documents.

If the insurer tells the police that they would not honour cover, the police will charge you with driving without insurance. If stopped at the roadside, they will seize your car. You would have to pay a fine of around £200 and would get 6 points on your licence. You would also have to pay recovery and impound fees to get your car back. The difficulty is that to get your car back, you need insurance, and if you go to an insurer and tell them that you had a policy cancelled for giving false details to a previous insurer and you also have 6 points for no insurance, most insurers would turn you away, so unless you are prepared to pay silly money for someone who will take on high risk insurance, you don't get your car back.

Insurers are clamping down on people who lie to them. They have recently got together and formed the Insurance Fraud Bureau made up of former police officers. They are showing that fraud wont be tolerated by using people as an example. They are taking them to court and getting them charged with obtaining insurance by deception which is a fraud conviction and can be punished by a prison sentence as it is a criminal offence rather than a motoring offence.

Just out of interest, even if the police never stop you, what would you do if you have a claim? The insurer will always ask to see your licence, so unless you have also lied to DVLA which is serious fraud, you would be stuffed as soon as you tried to claim. If another vehicle is involved, the insurer of that vehicle would sue you as they can't claim off your insurer if it's void. Who will fight your case for you if it goes to court? The insurer wont, and solicitors can be very expensive.
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Lying on car insurance to police when stopped?

Postby fresco » Fri Jul 13, 2012 3:46 am

Lies always come unraveled when we least expect them to. Maybe not this time but when you least need it to happen.. I think it is tied to Murphy's Law. "If something can go wrong; it will go wrong."
I live by the creed that "Nothing happens in God's world by mistake; and it happens in God's time, not mine."
Before I got that creed I lied all the time and eventually my entire life came apart and I had to choose between finding God and killing myself. Incredibly, I thought it over for several years before decidng to seek God first.
I am so glad I did. Had I chosen the other course, this page would be blank today.;-)
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Lying on car insurance to police when stopped?

Postby gonzalo59 » Fri Jul 13, 2012 3:57 am

Just on a practical note- my insurer did not at any time ask to see my licence after a major accident.

Neither did the police.

The insurer did want the MOT certificate when the car was written off.

Maybe things have changed as this was a few years ago.
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Lying on car insurance to police when stopped?

Postby andi » Fri Jul 13, 2012 4:01 am

It would be impossible, because insurance companies aren't stupid, they want to see a copy of your drivers licence, or at least contact the relevant authority to check the details, so you would never get insurance in the first place.
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Lying on car insurance to police when stopped?

Postby eston » Fri Jul 13, 2012 4:07 am

Your insurance is void, therefore driving whilst uninsured. The vehicle is seized and impounded. if not collected and storage fee paid by someone with the relevant documents it goes in the crusher.
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Lying on car insurance to police when stopped?

Postby alwynn » Fri Jul 13, 2012 4:10 am

krama it always comes back on you, best to be honest at all times.

There lots of ways to lower your insurance
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