Isn’t there something about it being material to the claim.
So if I don’t declare a new stereo, and then the stereo gets nicked, I’m in trouble. But if I don’t declare that I’ve fitted a roof rack (go on, who’s done that?) and then someone bumps into me in a queue, then the mod has made no difference to the claim so they can’t refuse to pay out.
Something like that – it’s a while since I worked in insurance.
Being ignorant of the fact that your car has had its BHP boosted by 50% may be more relevant than not knowing if your little roof spoiler was standard or not.
When I worked in sales it was barely believable how many bog standard Mercs were on the road. 😆
Thats how I understood it. Its rare that insurance is completely void but it may impact the amount paid out if the false declaration is related to the claim.
Yeah – I said ‘void’ simply for brevity but you’re right. Of course, if you’re lying about mods and optional extras to keep the cost of your insurance down then you’re probably lying about other things as well. (You said 5000 miles per year and really do 20000? Car garaged every night when the garage is actually a junk room? Forgot to declare the two SP30s? It all adds up and there tends to be a point when the company will void it. Probably when they realise that Mum’s Renault Clio is actually a heavily modded 17 year old boy’s daily drive? 😆 )