Lying to Insurers - Acceptable Now?

kimplus8

I have a friend that made a claim on her car insurance, she had recently changed jobs and didn't even think to update her insurance police to reflect her new job which happened to be in a car garage.
Her claim was because she had been hit by an uninsured driver and the incident had been attended by the police as her front was smashed up and she was across a junction (other driver went through a red and hit her as she pulled out). Her insurance company refused to pay out for ages because according to them she should have informed them of her change of employment and her premium would have been increased to reflect this.
I don't know if she eventually got a pay-out as I moved to another town and I don't know her that well but I was so shocked that they could withhold payment because of this.
The other driver would have still been driving his car, uninsured and through a red light regardless of whether she had updated her employment details or not.
This sort of 'get out' clause should be stopped.

maddogb

dunstonh wrote: »

And most consumers are willing to commit insurance fraud.

really? seems a very bizarre thing to say...

dunstonh

maddogb wrote: »

really? seems a very bizarre thing to say...

Why? There was some research a few years back that asked people questions on insurance and it found most were willing to commit fraud when it comes to insurance. Ranging from minor non-disclosure through to intentional non-disclosure and inflating claims. IIRC, most of them didnt consider those things fraud. They felt it was part of the game.

maddogb

dunstonh wrote: »

Why? There was some research a few years back that asked people questions on insurance and it found most were willing to commit fraud when it comes to insurance. Ranging from minor non-disclosure through to intentional non-disclosure and inflating claims. IIRC, most of them didnt consider those things fraud. They felt it was part of the game.

why? because I believe there is a decent percentage of the population who are fundamentally honest, there is also a good percentage who wouldn't do it simply because it's illegal and then there are those who wouldn't do it for fear of the law so I struggle to believe "most" applies.

Quentin

Well. as far as car insurance goes...16% of motor applicants lie about their convictions (ie under declare them), and insurers reckon 23% of motor applications contain lies regarding accurate driving records.


That's a fair few for starters!

dunstonh

maddogb wrote: »

why? because I believe there is a decent percentage of the population who are fundamentally honest, there is also a good percentage who wouldn't do it simply because it's illegal and then there are those who wouldn't do it for fear of the law so I struggle to believe "most" applies.

That is very quaint and I wish it was true.

I couldnt find the survey online but I found another from L&G.
29% think it is acceptable to exaggerate a home insurance claim.
44% didnt believe exaggerating a home insurance claim was fraud.
62% of respondents thought that other people would exaggerate their claims.
Only 4% felt fellow brits were honest.

maddogb

dunstonh wrote: »

That is very quaint and I wish it was true.

I couldnt find the survey online but I found another from L&G.
29% think it is acceptable to exaggerate a home insurance claim.
44% didnt believe exaggerating a home insurance claim was fraud.
62% of respondents thought that other people would exaggerate their claims.
Only 4% felt fellow brits were honest.

So you are quite willing to debase the majority of consumers integrity over a set of statistics so obviously biased and distorted which have a very deep seated profit based motive to justify insurers penny pinching robbery of everyone in this country?
It's no surprise to see statistics like that, the levels insurers will stoop to to justify their obscene profits...and it's even more obscene how their employees will spew out the "it's company procedure" line to knowing full well the immorality of the actions they collude in.

GingerBob_3

dunstonh wrote: »

That is very quaint and I wish it was true.

I couldnt find the survey online but I found another from L&G.
29% think it is acceptable to exaggerate a home insurance claim.
44% didnt believe exaggerating a home insurance claim was fraud.
62% of respondents thought that other people would exaggerate their claims.
Only 4% felt fellow brits were honest.

The only relevant figure here, if any, is the first one, which states:


71% of people think it's not acceptable to exaggerate a home insurance claim.

dunstonh

maddogb wrote: »

So you are quite willing to debase the majority of consumers integrity over a set of statistics so obviously biased and distorted which have a very deep seated profit based motive to justify insurers penny pinching robbery of everyone in this country?
It's no surprise to see statistics like that, the levels insurers will stoop to to justify their obscene profits...and it's even more obscene how their employees will spew out the "it's company procedure" line to knowing full well the immorality of the actions they collude in.

oh dear. Tin foil hat for you.

magpiecottage

maddogb wrote: »

So you are quite willing to debase the majority of consumers integrity over a set of statistics so obviously biased and distorted which have a very deep seated profit based motive to justify insurers penny pinching robbery of everyone in this country?

If you think all insurers rob everyone does that not include you?

That being so the simple answer is to not bother insuring.

maddogb wrote: »

It's no surprise to see statistics like that, the levels insurers will stoop to to justify their obscene profits.

Why do you think profits are obscene?

You're not by any chance Jeremy Corbyn are you?