Never needed to - the 'little fibs' don't know much off the premium anyway. I got quotes for keeping my car in a locked garage, on the drive, and on the street, and the difference amounted to less than 5% between the 3 (£50 in my case).

The same went for limited mileage policies - if I limited my mileage to 10,000 miles then I only saved £50 over having a 20,000 mile limit, and only another £25 for an unlimited mileage policy.

This & last year I went with Liverpool Victoria and went for the full package, business use, social & domestic use, commuting, unlimited mileage, parked on the road in Liverpool and it still worked out less than £1000.

£1000 sounds a lot, but when you consider the cheapest I could find 2 years ago was £1400 (and I tried about 50 companies), and I have had a £3k claim since then, it was a bargain.

It's just not worth the risk to someone who has a lot more than £50 to lose in the long run. Not that the guy who came to assess my damage even looked at the mileage, or ask where it was parked, etc. He didn't even check out the actual damage, just wanted me to lift the bonnet for a suspension damage claim?!?!?!

Not entirely related but along the left hand/right hand thing, we had a card through yesterday morning, gas engineer called. Wendy rang to see what problem was, supervisor said engineer would be back asap, they'd had a report of a serious gas leak.

He came back, nearly missed him again as by time I got to door he was on car park about to leave.

Asked him about gas leak, who'd reported it and he said no report, new meter reader had been round, didn't know gas meters inside on this estate, couldn't reconcile electric meter reading with his paperwork, so reported we'd taken gas meter out and were stealing gas. Engineer knew different and thought it was funny, but what a waste of everyones time!

Ok so you lot have never told a small lie! Are you sure? How many people garage the car every night when they speak to the insurance company but in reality don't always bother? This kind of lie is very common, in fact a mate of mine admitted to it the other day.

It can't be compared to driving without insurance.

I have told a lie or two. When I was younger I failed to disclose modifications I had made to a car to my insurer. Foolish I know and I wouldn't dream of it know, unless it was undetectable, like an reprogrammed ECU.

Also I had my insurance cancelled once. I had been involved in two own fault accidents in my first year of driving. A couple of years later someone decided to pull out in front of me and I was unable to avoid a collision. My insurer informed me that they would process my claim against the other driver but would have to cancel my policy with them because until it was determined who was at fault I had in effect three own fault accidents in the last 5 years. This was the icing on the cake. Not only had some fool smashed my car up, my insurance also went up, although only in the short term.

A year or so later when I changed companies I was asked if I had ever had an insurance policy cancelled, to which I replied no. Not deliberately, it just didn't occur to me at the time. I thought they meant because of loss of license or something like that. It wasn't untill years later that I realised that it applied to my situation as well. Still I got away with it and haven't had another crash since, touch wood!

i agree but at the moment im the only driver on my policy and to put my girlfriend on it it went up £850!!!!! at the mo i pay £875 fully comp   so i said leave her off BUT if she drives it she is insured because she is fully comp on her car so she is covered

thats the nearest ive come to lying   although she wont drive my car shes scared of someone keying it up and having to tell me that my babys scratched lol

darren

i dont know if its ment to be that way but on top it is shaped like that i havent seen any bm stamps on it so it might a after market one i didnt fit it i would be interested to find out if it is genuine bm part???

darren

Mmmmm Mmmmmm ?????????

you got me paranoid lol

darren

That's why I changed mine to LED's. Hopefully, now the fresnel lens is sealed into the spoiler, it won't have to come off (well certainly not for a bulb change).

Andy