When you go to get insurance for your car you will have to provide some details, not only about yourself, but the car as well. Sometimes it is only human nature to get the cheapest quote you can and for that purpose some people have been to know tell a 'little white lie' in an attempt to decrease the policy price. This is never a good thing to do, as the insurance companies who provide you with quotes do so basing it on the facts that you have supplied.
If for any reason you wish to make a claim and the insurance company finds out that the facts you gave them were incorrect they can (and normally will) refuse to honor your claim. So bear this in mind when talking to the insurance or brokerage company, or completing online quotation forms, as your policy might be invalidated if you don't answer the questions truthfully.
The following information will be requested by the insurance company, so to speed up your application it is a good idea to have all the information to hand. They will need to know the details of your and any other named drivers, what type of driving license you have, how long have you been in possession of your license. You will also have to disclose any driving have you incurred and if they are current.
You should also inform the insurers of any no claims discounts that you have, together with supporting evidence from any previous insurance company. As with any other forms of insurance you will be asked to provide the details of where you live and your postcode, as these will also affect any quotation they provide.
Now comes the time for questions about your car. The insurers will want to know the make and model of the car, whether it has manual or automatic gears, whether it is left hand drive or right hand drive and of course the registration number. Other questions will include the value of your car, or approximate current market value, and you will be asked how many miles you drive a year. They will want to know for what reason you are using the car, for example, is it just for domestic use or solely for work? or is it for a combination of both? Finally they will ask where you are going to keep the car when it is not being used. All of the answers you provide will be used to determine the cost of your policy.
Car insurance companies will also require that the car has a current MOT certificate, which is mandatory for cars three years old or more. You have to be in possession of car insurance and an MOT test certificate to enable the car to be taxed, so you'll need to take these into account to make your car legal to drive on public roads. Furthermore, if at any point during the course of your insurance cover any details about you or the car change, you have a legal obligation to notify your insurer.
