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Telling the truth on
your insurance application


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Telling the truth on your insurance application

When buying insurance, it’s crucial to give accurate details to your insurance company. Our scientists have set up some experiments to examine the consequences of telling fibs…

The Insurance Experiments

Insurance top tips:
Always be truthful!

The price of insurance is based on how likely an insurer thinks it is you’ll need to make a claim. To work that out, they need to ask you some questions.

Telling fibs might change the price of your premium but it could also have serious consequences if you need to claim and even stop you getting a pay out at all.

Here’s the serious bit. Telling a deliberate lie to an insurer is fraud and can result in prosecution and a criminal record. Honesty is the only policy.

Insurance scientist collecting data
The Insurance Experiments

Useful information:
Knowing what’s important

You don’t have to know what matters – you just have to answer the questions you’re asked as fully and honestly as you can. If there isn’t a question about something, your insurer doesn’t need to know about it.

There will be different questions depending on the product you’re buying. Car insurers will want to know about your driving history and property insurers about your home security, for example.

someone submitting incorrect details for their insurance policy
scientist calling someone on her insured phone

What if I don’t know?

If you don’t know the answer to a question, don’t guess! The best thing is to get advice from your insurer on how to find out the answer, or to agree with them what the best response is for you.