iincorrect information

What Happens If I Provide Incorrect Information on My Insurance Application?

Get more insurance information here

The Importance of Accurate Information

When applying for insurance, whether it's for your car, home, or any other asset, it's of utmost importance to provide accurate information. Doing so ensures that the policy is tailored to your specific needs and circumstances. But what happens if you unintentionally, or intentionally, provide incorrect details? Let's discuss the implications.

Potential Policy Invalidity

One of the primary concerns with supplying false or inaccurate details is the potential for your policy to be deemed invalid. If your insurer discovers that the information you provided doesn't align with reality, they may argue that the contract was formed based on false pretences. This could lead to:

Rejected Claims: If you need to make a claim and the insurer finds discrepancies in the details you provided, they might refuse to pay out, leaving you with potentially significant out-of-pocket expenses.

Increase in Premiums

Insurers calculate premiums based on risk. If you initially received a lower premium based on the false information, but the insurer later discovers the truth, they might retrospectively adjust your premiums. This means you could end up paying more, both for the past and future periods of insurance.

Difficulty in Securing Future Insurance

Insurance providers in the UK share information through various databases. If one insurer flags your policy due to discrepancies in the application, it could make it more difficult for you to secure insurance in the future. You might face higher premiums or, in extreme cases, find that some insurers are reluctant to offer you a policy at all.

Legal Implications

Whilst it's rare, providing false information on an insurance application can, in some circumstances, be considered a form of fraud. If proven, this can carry legal penalties, including fines and, in severe cases, imprisonment.

Correcting the Mistake

If you realise that you've made an error on your insurance application, it's best to notify your insurer as soon as possible. Most insurers will appreciate your honesty and may allow you to amend the details without significant repercussions. However, this may result in an adjusted premium based on the updated information.


Accuracy is paramount when completing insurance applications. The implications of providing incorrect details can be far-reaching, affecting not just the validity of your current policy but potentially your ability to secure insurance in the future. Always double-check your details and ensure you're presenting a true and complete picture to avoid any complications down the line.

Note: This article offers general advice and may not cover specific situations. Always consult with a professional or your policy documentation for detailed guidance.

Get more insurance information here

Liability Insurance       Cyber Insurance     Courier Insurance     Liability Insurance      

What happens if ...

my flight is delayed?     my greenhouse is damaged in a storm?     my heir dies before me?     my holiday caravan gets damaged?     my holiday is cancelled?     my home is burgled?     my landlord is not insured?     my tenant defaults on the rent?     my insurer goes bankrupt?     I put wrong information on an application form?     I drive without insurance?     I forget to renew my pet insurance?     I have a car accident abroad?     I have a foreign no claims bonus?     I am injured in a rented car?     I change jobs and lose health insurance?     I make a claim for subsidence?     I make a home insurance claim from abroad?     I miss a car insurance payment?     my business suffers from an unexpected event?     my home suffers from flood damage?     I let my home insurance lapse?     my pet causes an accident?     I have no liability insurance?     I underestimated the value of my home contents?     I get a critical illness?     I get food poisoning abroad?     I have a pre-existing medical condition?     I hit a pedestrian in my car?     I lose my travel documents?     I lose my mobile phone?     I am injured at work?     I need surgery abroad?     I rent my house on airbnb?     I use my car for business?     my business is sued?     my car is vandalised?     my child is ill abroad?     my computer is hacked?     I forget to inform insurers of convictions?     I am involved in a hit and run event?     I cancel my insurance early?     I fail to declare car modifications?     I have an accident in a rented vehicle?     my tenant damages my property?     I cancel my holiday at the last minute?     I accidentally damage another person's property?     I rent my car out?     I buy a car with outstanding finance?     A tree falls on my property?