actually
Actually, your insurers will still pay out all third-parties claims in the event of an accident. Its their legal responsibility to do so, and as long as the paper certificate is still in existance (they havent asked for it back and destroyed it) you are covered third-party no matter how much you have lied to them.
What WILL happen thoughis that any cover ABOVE third party will be voided, so damage to yourself, your own car or property (assuming you are TPFT or fully comp) will not be paid for.
In the event of being lied to, they are not too happy, and will recover whatever they have paid out to the third parties directly from you. Bear in mind that minorly rear-ending someone in a modern car normally requires several thousand pounds of bodywork repairs (big plastic bumpers, crumpled boot floor and fancy water-based metallic paints)and 99% of people claimfor whiplash which generally pays AT LEAST 1.5k per passenger, you will be looking at a hefty bill.

The increase on your premium for declaring any points or convictions is normally not that much unless you are under 21 or a serial speeder / accident clutz. Your problem though is that nce the lie is started, you cant suddenly come clean to your current inurers, they will probably tell you to piss off, so you will need to cancel your policy or wait till renewal time, change insurers and start afresh with the truth.
(dave likes cheese, Thu 10 Jul 2008, 19:36, Reply)