Car Insurance Renewal - Declaring Children Under 16

SarahRichards34

Hi, my car insurance policy is due for renewal. However I have had a baby. It asks how many children I have under the age of 16, one child increases my policy by £60.00 a year. Do I legally have to declare this fact to the insurers? 

XRS200

You legally have to answer the questions asked.

I don't think all insurers ask that question.

Ayr_Rage

What do you think would happen if your child was injured in an accident and you had lied on the application?

DullGreyGuy

SarahRichards34 said:

Hi, my car insurance policy is due for renewal. However I have had a baby. It asks how many children I have under the age of 16, one child increases my policy by £60.00 a year. Do I legally have to declare this fact to the insurers? 

CIDRA requires you to answer all questions truthfully and completely. 

If you recklessly or intentionally make a false declaration then they can void your policy, keep the premiums and avoid any claim. If you carelessly make a mistake then its more complex but I find it hard to believe that anyone would think you carelessly forgot you have a baby.

Ayr_Rage said:

What do you think would happen if your child was injured in an accident and you had lied on the application?

Doesnt matter if it's their child that got injured, a strangers child, the car was stolen etc. There doesn't need to be any connection between the false information and the incident under the CIDRA legislation.