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The Association of British Insurers has said that many drivers lie on their insurance application forms, by providing false information in a bid to try and secure lower policy premiums. Drivers are warned that it is not only illegal to give fraudulent information, but that it could also mean that the resulting policy is actually void; if an accident occurs, then the driver may find that their insurance does not cover them, leaving them significantly out of pocket and potentially in trouble with the law.

The Association of British Insurers is the trade body that oversees the majority of insurance companies in the UK, and has been in the media a lot in recent months. They spearheaded a campaign to try and cut down on the number of whiplash claims that were being made, seemingly winning the support of the government who introduced a variety of new regulations and guidelines for such claims.

According to the group, it has become increasingly common for drivers to provide incorrect or inaccurate information when they are submitting their insurance applications, and that many drivers are doing so in the hope of securing lower insurance premiums. Information that has been found to have been submitted inaccurately includes the declaration of penalty points on a licence, where the car is retained, and who is the primary driver of the vehicle.

There are many factors that can influence car insurance prices. Everything, in fact, from the profession of the driver to their age, whether they have any penalty points on their licence, and even whether the car is kept down the drive, in the garage, or on the road at night, can have a huge impact on the policy premium that is charged.

It is illegal to lie, or provide fraudulent information, when applying for insurance, although it is unlikely that legal action would be taken. However, if a driver is involved in an accident, and the insurance company questions any of the aspects of a policy and the policyholder details, and it comes to light that incorrect information was provided, then they may refuse to pay out and the driver could be left with considerable bills to cover.