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How much can i lie on my car insurance? watch

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    How much can i lie on my car insurance and still get away with it?

    I ask because i wish to save money
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    always say your car is keep in a secure locked garage. but thats about all you can lie about.

    oh and some modification are not worth stating on the insurance
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    what would you wish to lie about?

    When my BGT was a 4 cylinder it had a stainless steel exhaust. However, it was identical to the mild steel pattern so it was a mod and it wasnt. I didnt see fit to declare that as the only change was the material the thing was made from. There was no performance increase it just lasts longer!

    SO, what are you considering keeping to yourself?
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    The easy answer is "nothing - it's fraud". If caught you could be done for it.

    The more truthful answer is you can get away with some minor mods, etc as long as they dont really affect performance. But most things which affect the performance or value of the car should be mentioned.
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    Mileage, if it's kept in a garage or not, err..some mods you can get away with.

    Not really worth it though tbh mate.
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    i wouldn't. most insurers read forums too
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    (Original post by JC.)
    what would you wish to lie about?

    When my BGT was a 4 cylinder it had a stainless steel exhaust. However, it was identical to the mild steel pattern so it was a mod and it wasnt. I didnt see fit to declare that as the only change was the material the thing was made from. There was no performance increase it just lasts longer!

    SO, what are you considering keeping to yourself?
    I don't have any fixed ideas just curious as to what can be gotten away with to help save those pennys! Hell, i don't even have the car yet!
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    Keep it as standard as possible and fit an alarm.
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    (Original post by john trfc)
    always say your car is keep in a secure locked garage.
    I actually tested that (out of pure interest) and it made no difference what so ever with Churchill.

    I just did a quote and amended it 3 times for road, drive and garage and my quote was the same every time :hmmmm:
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    (Original post by Cortez)
    I actually tested that (out of pure interest) and it made no difference what so ever with Churchill.

    I just did a quote and amended it 3 times for road, drive and garage and my quote was the same every time :hmmmm:
    Maybe it doesn't actually reduce your premium, but say your car is stolen whilst parked on the road outside your house, and you stated that it would be kept in your garage, they may not wish to cover you...? I don't know, just a thought.
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    (Original post by Flash6289)
    Maybe it doesn't actually reduce your premium, but say your car is stolen whilst parked on the road outside your house, and you stated that it would be kept in your garage, they may not wish to cover you...? I don't know, just a thought.
    Yeah so might as well say it's on the road all the time then really and it's not much of a suggestion to the op to save some pennies.

    Saying that, it might actually reduce your premium with other insurers.
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    I'd say it was the age factor that caused the "where is it parked" issue not matter.

    Now I'm over 25 *sigh* where you keep it makes a huge difference.
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    on mine the actual value i placed on my car made no difference at all. Also, it was cheaper for me to go fully comprehensive than just third party(!). and would have cost me more to say i had 2 jobs (irrelevant of what ones i chose)

    That was through swinton.
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    ive gotten away with not declaring a previous accident as my excuse was that i was only a named driver and so didnt think it would affect my insurance. now ive got my 1 NCB with them i doubt theyd be bothered if i told them anyways.
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    Like the guys said, if you declare facts that aren't 100% accurate it's fraud and you may find that they won't cover you in the event of something happening.
    Having said that, being creative is something most people do to an extent, look at having another (experienced) driver on like a parent, even if they're unlikely to drive it much, look at excess (although you'll have to pay it so that one could come back to bite you). Employment can be a huge problem - if I register as a weather forecaster, a civil servant an MoD employee or someone that works on a military instalation I get four VERY different quotes (oddly, only one group noticed that the car was kept in a secure area - armed guards and all that). All are true, for a given value of true.
    Addresses are probably the main worry, if it's insured at your home address and it gets broken into at uni you might get grief from the company, but look into policies where you can have the car at a different location, although that in itself can drive up your premiums.
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    The cheapest premiums go to CofE Vicars.
    So if you want cheap car insurance...
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    ...But does anyone here want to be a vicar???
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    I'm a church organist...
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    ummmm. Im looking more to becoming owner of a multinational, and simply buying an insurance company!
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    to be honest, if the insurers can get away without paying up in the event of a claim, they will. they will check your car for things you havent told them about, ive even heard of someone not getting a payout for a theft from the car because it was parked on the roadside when the policy said it was garaged. so dont bother lying about what youve got or havent got on your car. tell the truth. apart from the fact lets say your got a great big exhaust/wheels/bodykit on your car and you have an accident involving another vehicle. . mr insurance is going to come and have a look at your car to value it - and what does he find? something you didn't declare. so what happens here is: your insurance is void - you get no money. you get reported to the police - and either get points, a fine or your licence taken off you - or all 3, and the person you had a crash with doesnt get any money either cos you are in effect an uninsured driver and he or she will have to claim off there own instead of yours and there premium goes up for something youve done. its really not worth lying about anything, even if its just he tinyest thing. insurance isn't cheap and its a rip off especially for the older, cheaper cars yes, but at the end of the day you have to pay it, like it or not.
 
 
 
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