Do people lie about their age when joining breakdown cover

Mutton_Geoff

The insurers wouldn't be guessing that older people (or people in a certain age group) claim more or less than others, they would have reams of stats to see for themselves. Perhaps older people are more savvy about their cars and check the basics (oil, tyre pressures etc) more regularly? They may decide not to drive off when the engine's making a funny noise whereas perhaps someone with less driving experience might not recognise anything was amiss?

Car_54

Mutton_Geoff said:

The insurers wouldn't be guessing that older people (or people in a certain age group) claim more or less than others,they would have reams of stats to see for themselves. Perhaps older people are more savvy about their ca rs and check the basics (oil, tyre pressures etc) more regularly? They may decide not to drive off when the engine's making a funny noise whereas perhaps someone with less driving experience might not recognise anything was amiss?

Would they? AFAIK most breakdown companies won't know their customers' ages.

Dr_Crypto

I don't think I've been asked my age when buying breakdown cover. 

Grumpy_chap

I would not lie about my age, especially not for the small difference identified in this thread.  It could also back-fire if the link is made by insurance co to another more age-sensitive product where the correct age has been declared.

I have tried to think, though, about whether there is a variance in risk related to the individual's age (rather than the age of the car).  I suppose, my nephew is more likely to travel far at unsociable hours to a remote location with the car making a "funny noise" when he set off than my mother who does not like to drive at night or on the motorway and definitely won't use the car if there is any kind of light or noise she does not expect...  Perhaps that's it.

sweetsand

Car_54 said:

Homer_home said:

Sandtree said:

You are asking if people commit insurance fraud? Yes, absolutely, its why insurance companies have large counter fraud departments and work with the police to bring charges against the most prolific characters

Huh?

This is not about insurance fraud

Do you work for an insurance provider by some chance?

Providing false information to make a financial gain is fraud. Doing so in an insurance proposal is generally described as "insurance fraud".

However, that is not a legal term. In law there is simply fraud, which is an imprisonable offence. The courts do not distinguish between insurers and other fraud victims.

Good post hence every reason to answer every question honestly.

ATB

Takmon

CocoM2020 said:

Biggus_Dickus said:

burtons said:

I'm looking to buy breakdown cover so I thought about joining greenflag which is £82.88 but I thought it's strange they ask you're age so I put in I was 4 years older and it's £1.12 cheaper so do people lie about their age.

...Er’indoors has been lying about her age for years.

So have I 😂. Who honestly hasn’t? When you are under 18 you go older, then when you reach a certain age (it varies) then you go younger. 

I have given an incorrect age when someone asks me as a joke, but I've never genuinely lied to someone about my age in the hope they would believe it to be true. I find it odd that you think that most people would genuinely lie about their age because it's a bit of a weird thing to do, if i didn't want someone to know my age i just wouldn't tell them.