Car Insurance - Can I Lie?

Insco

Erm, there's obviously plenty of Insurers who do not want to pay out and that why the Financial Ombudsman Service is so busy

Natterjack definitely do not lie about your address.

Shop around would be the best advice if you want to try to avoid the £200 - try an independent insurance broker.

dunstonh

Erm, there's obviously plenty of Insurers who do not want to pay out and that why the Financial Ombudsman Service is so busy

... handling the minority of cases which have gone to complaint. The vast majority of claims are settled with little or no issue to the policyholder.

Oscar_The_Grouch

Agree with dunstonh. The company I currently work for have averaged less than 0.1% of claims being referred to the FOS (I know because they all come across my desk first) and I have not lost a case in 14 months.

One policyholder also decided to take the company to court after losing with the FOS and lost there too.

The only advice I can give you is "don't lie". It will come back to bite you in the end.

Jojo_the_Tightfisted

If you lie about where the car is kept to gain financial advantage, why should any Insurer trust you in the event of a claim? You might, for example, tell them that the car was stolen whilst at your parents' and you were just in the living room - it's perfectly feasible to suggest that, as you have lied already, you got plastered at the boozer, tried to drive it home and crashed into the vilage pond before reporting it as stolen. Plenty of people do.

And no, I'm not suggesting you would personally do anything of the sort, but why would the Insurer see it any differently?

Lying = Bad Bad BAD IDEA

Steve1981

NatterJack_Toad wrote: »

LOL!

Stupid question, huh?

But the fact is last year I had no years claims bonus.

This year I have 1 years no claims bonus.

You'd think I'd get a better deal, right?

Wrong.

Because I've changed addresses it's shot up by almost £200. Which is complete and utter BS.

I even live in a nicer area.

What's the deal with that?

Should I just enter my old address?

oh course you can, its called fraud

Steve1981

firesidemaid wrote: »

i had a similar problem - car crime etc is linked to postcode areas.

i moved house halfway through a policy year, rang them up out of courtesy and they wanted to add on another £70 for half a year so i moved.

the quote includes the risk for parking it at your address and driving it round your area - if you shop around (as per martin's guide on car insurance) you will get a better deal. remember car insurance premiums generally will increase each year anyway to some extent, cost of living etc.

it really isn't worth the lie, honestly;)

And obviously remember that just because a policy is cheaper it doesn't mean its an equally as good policy

Woby_Tide

NatterJack_Toad wrote: »

I even live in a nicer area.

Nicer area, nicer cars to steal, no self respecting thief is going to be seen dead in a tatty old cavalier or mondeo from the worse area......

lisyloo

Nicer area, nicer cars to steal, no self respecting thief is going to be seen dead in a tatty old cavalier or mondeo from the worse area......

Not sure if you've looked at the stats but it certainly used to be the case that 14 year old cars were most at risk.

Newer cars have much better security.
If it's kids doing it and joy riding then the tatty cavalier with little security is exactly what they will go for.

I've broken into an old car before (to move it from blocking my garage).
It was a piece of cake and I know absolutely nothing.
I did no damage btw (before anyone says anything) - just moved it.