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Don’t Lie To Get Cheaper Women’s Car Insurance
By Kym
Many women are coming around to the benefits of buying their auto from women’s car specialists in order to receive cheaper rates. However, with the recession in full swing you might be tempted to allow a few fibs into your policy in order to secure an even cheaper premium. The problem is that not only is this against the law, you can also invalidate your policy by not telling the truth. Here are the top items that are most popular on the fib list, and things you should definitely not lie about.
Convictions
If you’ve had a previous driving conviction, even a minor one, then you must declare that when you’re looking for a new quote from a women’s car company. Most companies will ask if you have had any motoring convictions in the last five years. It is important to remember that a conviction will count from the time you were convicted, not the time of the incident. So if you were caught speeding in January but weren’t officially convicted until March then you have to count five years from March to decide if you fall within the category or not.
Mileage
There are usually two mileage categories which you will have to fill out when applying for women’s car insurance. The first is the number of miles your car has already driven; the second is the expected number of miles you will drive annually. Cars with a lower mileage will have a lower premium
but, in the event of an accident, insurers can easily check the number of miles your car has done and a discrepancy can be enough to void your policy, leaving you with an expensive bill to pick up.
Health
This is of vital importance not just for women’s car quotes but for your safety also. If you fail to declare any health issues on your policy, or worse to the DVLA when applying for your driving licence, then you are committing fraud and could go to jail. Serious health issues such as epilepsy are something that both your insurer and the DVLA must know about.
Customisation
Although car customisation is stereotypically in the domain of the male driver, female drivers are increasingly looking to altering their vehicles from the norm. If you have made any modifications to your car which take it outside of the normal manufacturer’s specifications then your insurer needs to know about it. Policies differ between women’s car companies, and some will not make adjustments to your premium for “aesthetic” modifications, but if the car’s performance is enhanced, then this will attract a higher rate of to compensate.
In the end, taking a risk with your car is simply not a wise move. Your is a safety net for when things go wrong and giving insurers a reason to whisk that safety net away from you when you need it most can be a very painful experience.
Kim has 2 years experience in the Car insurance industry. She enjoys writing articles on various topics.
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