| UK car insurers have reported an increase in the | | | | Forgetting to disclose information doesn't |
| number of individuals providing incorrect or false | | | | necessarily get you off the hook so make sure |
| details when they take out an insurance policy. | | | | you don't unintentionally commit fraud. Check the |
| Telling a few fibs in order to lower the price of | | | | finer details and remember to inform your |
| car insurance premiums may seem like an easy | | | | insurance provider of any changes to your |
| way to save money but fudging the facts can | | | | address, name or other important policy |
| end up being costly in the long term. | | | | information. |
| Several different factors can increase or | | | | Car insurance scams are also something to be |
| decrease the price of an insurance policy. For | | | | aware of. Professional fraudsters try to dupe |
| example, a car that is parked in a garage may | | | | insurance providers out of thousands of pounds in |
| cost less to insure than one parked on the street. | | | | a variety of ways. |
| It might seem like a good idea to stretch the | | | | A classic maneuver by scam artists is to cut in |
| truth about such a detail but in reality this would | | | | front of your vehicle and then brake sharply, |
| constitute as insurance fraud which holds serious | | | | causing you to crash into the rear end of their |
| financial and legal implications. | | | | vehicle. You appear to be the driver at fault and |
| Fraud is committed when a false insurance claim is | | | | must file a claim with your insurance company to |
| submitted or an insurance application is completed | | | | pay for treatment of any alleged injuries as well |
| using untrue or incomplete information, even | | | | as repair of the other vehicle. |
| down to finer details such as your contact details. | | | | In order to protect yourself from car insurance |
| Other common occurrences of fraud include not | | | | fraud keep a disposable camera, pen and some |
| disclosing driving convictions or previous claims, | | | | paper in your glove box so you can accurately |
| not telling insurers about modifications that affect | | | | account for any accidents you are involved in. |
| a car's safety or value, or providing a false | | | | Photographs are particularly useful when trying to |
| address to where the car is stored. | | | | protect yourself against insurance scams and if |
| If you are applying for an insurance policy using | | | | you are involved in an accident, whether you think |
| the internet or over the telephone then pay | | | | it is staged or not, try to record as much |
| attention to details and make sure all the | | | | information as you can about all details of the |
| information you provide in noted correctly. It is | | | | situation. |
| possible for omissions to happen accidentally and | | | | If you think you've witnessed car insurance fraud |
| you might not even realise some of your details | | | | then contact you insurance provider immediately |
| are incorrect unless you double check everything. | | | | and you may want to contact the police as well. |