Not Declaring Previous Drink Driving Ban

It says on this site if you do not declare a previous driving ban then the insurance company probably won't pay out for any claim you try to make. Is that the only drawback? Does the insurance company check with the police or dvla to see if you have been banned? For example, say now I could afford 2 grand insurance declaring a ban so I neglected to tell the insurance company knowing myself that was just going to leave the car in the garage for the year hence knowing I would not need to claim! Would they still find out that I had failed to disclose the correct information about my ban?

Thanks

Question by John on 19th Jun 2009 at 06:45

John,

If you have false or innaccurate information on the application form for insurance purposes, there's a high chance that your insurance may be invalidated when you make a claim. Most drivers are under the impression that being careful on the road will keep them from having an accident and therefore fail to disclose important information (convictions, where car is kept etc) when getting quotes for car insurance. Unfortunately, accidents can happen anytime without any warning and when a claim is made to the insurer, this is the time when the latter starts to make checks on all the information you supplied on the insurance quote. If there's anything false or innaccurate, they will invalidate your insurance to protect them from having to make payouts for the damage caused by the accident.

If you did not disclose your drink driving ban on your car insurance quote, then you may be fine until the day you make a claim. At the moment, you are paying a premium to the insurer and not asking anything back, so they will not really make checks on you. However when and if you make a claim, then they will need to pay out and that's when the checks are made and you will then have no insurance cover (as the insurer will invalidate your insurance) and the police will charge you with driving without insurance as well. So think carefully before you give false or innaccurate information for insurance purposes.

Answer by Gices on 19th Jun 2009 at 15:34

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