Not declaring previous drink driving ban

If you have false or inaccurate information on the application form for insurance purposes, there's a high chance that your insurance may be invalidated when you make a claim. Most drivers are under the impression that being careful on the road will keep them from having an accident and therefore fail to disclose important information (convictions, where car is kept etc) when getting quotes for car insurance. Unfortunately, accidents can happen anytime without any warning and when a claim is made to the insurer, this is the time when the latter starts to make checks on all the information you supplied on the insurance quote. If there's anything false or inaccurate, they will invalidate your insurance to protect them from having to make payouts for the damage caused by the accident.

If you did not disclose your drink driving ban on your car insurance quote, everything may seem fine until the day you make a claim. At the moment, you are paying a premium to the insurer and not asking anything back, so they will not really make checks on you. However when and if you make a claim, then they will need to pay out and that's when the thorough checks are made and you will then have no insurance cover (as the insurer will invalidate your insurance) and the police will charge you with driving without insurance as well. So think carefully before you give false or inaccurate information for insurance purposes.