Car Insurance: Do I Have To Declare All My Points

kingstreet

As I mentioned in a similar thread the other day, some insurers ask for the immediate disclosure of any change in your circumstances, including the conviction for a motoring offence.

You MUST read the conditions of your cover and disclose accordingly.

This is the disclosure section from the Policy Booklet of a well-known car insurer;-

8. Your duty of disclosure

You must tell us immediately if any of the following happens:
• you change your car
• you make modifications or changes to your car which improves its value, performance, appearance or
attractiveness to thieves. This includes, but is not restricted to, changes to the engine, engine management
or exhaust system, changes to the wheels or suspension system, changes to the bodywork, such as spoilers
or body kits or changes to the windows, such as tinting
• you want to use your car for a purpose not included in your Schedule
• you become aware of any medical or physical condition of any driver covered by your policy which may affect
their ability to drive
• you or any other driver covered by your policy are convicted of a motoring offence other than fixed-penalty parking offences
• you or any other driver covered by your policy is involved in an accident whilst driving another vehicle or
suffers a loss, such as a theft, of any other vehicle or makes a claim on any other motor insurance policy
• you change the address at which you normally keep your car
• you or any other driver covered by your policy are convicted of any offence relating to fraud, arson or dishonesty
• you or any other driver covered by your policy change occupation
• you change your annual mileage.
• you or any other driver covered by your policy cease to be a permanent UK resident

We may then re-assess your cover and premium. If you do not tell us about any relevant changes, we may:
• reject or reduce your claim; or
• declare your policy null and void