We've got heaps of guides to help you find the right car insurance

How non-disclosure affects your car insurance claims

non disclosure car insurance claims

Whichever insurance type you’re considering, it’s your ‘duty to disclose’ and best answer the questions when applying or renewing your car insurance.

Insurers use this information to decide whether to insure you, and on what terms, so it’s pretty important to get it right.

If you do not answer truthfully, or withhold information, your insurer may reduce or refuse to pay a claim and/or cancel the policy. If you are fraudulent, they may also treat the policy as if it never existed.

You must disclose every matter, that you know (or could reasonably be expected to know) is relevant. For example:

  • minor criminal offences
  • minor traffic offences
  • previous rejections for insurance cover
  • previous claims for insurance due to a robbery

In all these circumstances the failure to disclose might later affect your ability to claim.

Keep your details up to date

Non-disclosure could be as simple as forgetting to tell your insurer if your circumstances change. For example if you added a spoiler to your car to make it go faster (therefore exposing yourself to more risk), or, if you moved house and parked your car on a busy street instead of a locked garage.

If your lifestyle circumstances change – remember to keep your insurer up-to-date.

What to do if your claim is rejected on the basis of non-disclosure?

If your claim is rejected you should firstly find out what information is missing, you may have a good reason for not disclosing the information at the time. Perhaps you were not asked and weren’t aware the information was important. See if you can appeal the claim, and if not you can file a complaint with the FOS.

Compare car insurance

Whether you’re getting car insurance for the first time, or looking to make a few savings by switching providers. It’s always a good idea to use a comparison website like compareinsurance.com.au to compare a few car insurance quotes before you decide on one to buy.

  • Highly recommended

    Compare over 50’s car insurance

    Insurance companies use many different factors to calculate your premiums and your age is just one of them.

     

    ... Read more.

  • Highly recommended

    Car insurance: All you need to know

    Buying a car is a big deal and, after spending your hard earned money on your dream machine, you need to make sure you are protected in the event of an accident.

    Nobody thinks it will happen...... Read more.

  • Highly recommended

    Compare comprehensive car insurance

    The most thorough form of insurance on the market and offers the best protection for your much loved car.

     

    ... Read more.

  • Highly recommended

    The ins and outs of No Claims Discounts!

    A No Claims Discount (NCD) is a discount applied to your premium because of good driving and good claims history.

    Building up this discount is one of the best ways you can reduce your premiu...... Read more.

  • Highly recommended

    7 secrets to successful car insurance claims

    Accidents happen every day. Perhaps you were avoiding the neighbour’s cat and drove into a tree? Or that lamp post was closer than you thought? When your cars off the road there’s all th...... Read more.

  • Highly recommended

    Storm and hail damage advice

    Did you know repair bills from hail damage can be as high as $5,000, and that cars are regularly written-off due to storm damage?

    Comprehensive car insurance will cover your car for any d...... Read more.

  • Highly recommended

    Car insurance FAQs

    We know that your policy is confusing, that’s why we’ve provided you with a few frequently asked questions to help you make the right decision when it comes to buying your cover.

    ... Read more.

  • Highly recommended

    Cheap car insurance: top tips to help you save!

    Whether you’re looking for a new policy or thinking of renewing an existing one, using our comparison can save you time and money.

     

    ... Read more.

  • Highly recommended

    Young drivers: get cheap car insurance

    Irrelevant of how well you drive if you are under 25 your premiums are likely to be expensive. Here's 6 tips to help young drivers reduce their premiums.

    ... Read more.

  • Highly recommended

    How non-disclosure affects your car insurance claims

    Whichever insurance type you’re considering, it’s your ‘duty to disclose’ and best answer the questions when applying or renewing your insurance.

    ... Read more.

  • Highly recommended

    Car insurance checklist

    Follow our checklist so you can apply for car insurance quickly and easily.

    ... Read more.

  • Highly recommended

    How telematics reduces car insurance premiums

    Until now, a few good ways to reduce your premiums included adding security devices to your car, driving safely to increase your no claims discounts, and owning a standard model vehicle…but t...... Read more.