Insurance firms have small print for a reason and they would love to get out of paying compensation wherever possible. For this reason, you need to give them no opportunity whatsoever to withhold payment and this means being completely honest with them.
You must declare anything that is relevant to the type of insurance you are taking out. If you are taking out travel issuance then you must be honest about what you will be doing on holiday and any possible risk factors.
If it is home insurance that you’re after then you must be completely honest about any possible risks to your home. This includes burglaries and the safety features of your home. You cannot say you lock the windows if you don’t and never lie about any part of your house. If there are security issues then you must declare them to avoid being either left without cover or even prosecuted.
Car insurance is the main area of concern here and this is the one type of insurance which gets people lying the most. It may be the most common type of insurance but you still have to be honest. Your annual mileage estimation, the purpose of your vehicle and any modifications also have to be declared.
Staying on the subject of car insurance, if you lie about who the main driver really is, you will face criminal charges. There is a huge temptation when filling out a form to stretch the truth but never cross the line. If you lie then your policy will be invalid.
The same honesty policy extends its way to health insurance too and your eating and exercise habits must be 100% truthful. You cannot run rings round insurance firms who can employ private detectives if they think you are lying on their forms. Be honest also about any previous health problems that you may have encountered.
Insurance firms consider it stealing if you lie on their forms with the scope of cheaper premiums and they will hunt you down for your dishonesty.
