Disclosure

Insuring your motor vehicle

Traffic Offences and Vehicle Modification

When insuring a motor vehicle you should disclose:

All traffic offences, including fines (ie. speed camera and other "instant fine" offences that do not go to Court), as well as non-driving related charges (ie. driving a vehicle without a current warrant of fitness or registration).
All vehicle modifications that are not in accordance with the vehicle's original specifications. This may include (but is not limited to) engine, body, paintwork, wheels and tyres, suspension, and "internals" such as stereo, and seats.
Insurers are interested in any modification which may increase the likelihood of a vehicle being involved in an accident (ie. something which makes the vehicle go faster), make the vehicle a more attractive theft target, or more expensive to repair.
Your insurer may ask a separate question about driving disqualifications. If they do you must disclose any period of driving disqualification no matter when it happened.

A disqualification may result from a specific offence such as drink driving, an accumulation of demerit points, or a non-traffic related offence (ie. a person can be disqualified from driving if they use a vehicle when committing a crime such as burglary).

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