What Happens If I Give Incorrect Information?

Incorrect information can change the premium, policy terms or outcome of a claim. What the insurer may do depends on what was wrong, whether the mistake was reasonable or deliberate, and what it would have done if given the correct information.

Correct a mistake promptly

Contact the insurer as soon as you notice an error. Explain the correct facts and ask for an updated schedule. The insurer may amend the premium or terms, charge an administration fee, or say that it cannot continue the policy.

What happens during a claim

If an error is discovered after a loss, the insurer will consider whether it was relevant to the risk. Depending on the law and circumstances, it may pay the claim in full, reduce it proportionately, apply different terms, or refuse it. Deliberate or reckless misrepresentation can have more serious consequences.

Information that commonly matters

Typical examples include the main driver, address, occupation, vehicle use, annual mileage, claims and convictions, named drivers, modifications and where the car is kept. Answer the questions asked rather than trying to decide for yourself what the insurer should consider important.

Fronting and deliberate false information

Fronting occurs when somebody is falsely named as the main driver to obtain a cheaper quotation. That is different from making an honest typing error. Deliberate deception can lead to cancellation, recovery of claim costs and information being shared for fraud prevention where lawful.

If you disagree with the insurer

Ask for the decision, evidence and calculation in writing. Correct inaccurate records and make a formal complaint if the response is unreasonable. An eligible unresolved complaint may later be referred to the Financial Ombudsman Service.