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HomeCar Insurance ResourcesLying to Your Insurance Company About Your Address

Some individuals think it is okay to lie or give false information to their car insurance providers to obtain lower insurance rates. However, what many people do not understand is that they are actually committing fraud. If your insurance provider discovers you have not been honest about providing factual information pertaining to your address, age, or other pertinent information you will be facing serious consequences. 

What Happens if You Lie About Your Address on Car Insurance?


If you are caught lying to your insurance provider about your address, you could be facing fraud charges, fines, and penalties, not to mention the cancellation of your car insurance policy. 

How Do Insurance Companies Verify Address?

While it is not exactly public knowledge how insurance companies verify addresses, it has been said that some insurance companies use database tracking. 

What Happens if Someone Uses Your Address For Insurance?

If you knowingly allow someone else to use your address for falsifying information to their car insurance provider, you are also committing a crime. 

What Happens if You Don’t Change Address on Car Insurance

If you fail to report an address change to your insurance provider, you may face policy cancellation. If rate evasion is suspected, the consequences could be much worse.

Do I Have to Change My Address on My Car Insurance?

Yes, you are required to advise your car insurance provider of your change of address within 6 days of the address change.

What Changes Should I Be Advising My Insurance Provider About?


According to the Financial Services of Ontario, you should provide your car insurance provider with any changes made in the following:

  • Address change
  • Additional drivers of the vehicle
  • In the use of your vehicle, for example, beginning to use your vehicle to deliver pizza etc.
  • Adding or removing vehicles from your policy
  • Changes in the principle driver
  • Selling or transferring ownership of the vehicle(s)
  • You are no longer eligible for a discount you have been receiving
  • The principal driver or any other covered driver under the policy has received a driving suspension
  • Change in marital status
  • Change in employment
  • Any other changes you are unsure about

Address on Driver’s Licence, Ownership, and Car Insurance

In Ontario, you have 6 days to change your address on your driver’s licence. Your vehicle ownership, driver’s licence, and car insurance should all reflect the same address. If you park your vehicle on a regular basis somewhere else other than the address listed on your car insurance policy, you must notify them. 

How Insurance Providers Can Detect Address Evasion

There are several ways an insurance provider can detect address evasion. Following an accident, if the insured driver attends clinics, medical appointments, physiotherapy treatments all in an area that is not located close to the home address the driver provided to the insurance company, this can be a red flag. Most people who are injured, visit medical locations close to home. Typically the driver will also attend a car rental company in their home area. If the insurance provider notices that all this type of activity is taking place far away from the home address listed on the car insurance policy, chances are, they have given a false home address in order to attain a lower insurance rate. Other ways insurance providers can detect false address is through the drivers:

  • Bank location and records
  • Cell Phone records
  • Credit card records

Another strong indicator that a client has provided a false address is the inability to describe the location and identifying factors. If a client can’t tell you if it’s a one or two storey place, or what is the nearest highway,  it will be obvious that they don’t live there. 

It’s Not Worth Lying To Your Insurance Provider

things to know

It doesn’t make any sense to lie to your insurance provider or to provide false information in order to save money on your insurance premium. The ramifications that will follow should you be caught falsifying information will end up costing you a lot more money in the long run. If you are involved in a car accident and submit a claim where the information on your car insurance policy is knowingly incorrect a number of things can happen to you. The following is a list of consequences you may or will face:

  • Car insurance policy deemed invalid
  • Paying large sums of money out of pocket for personal injuries and property damages
  • Criminal charges, possible jail time, and a criminal record
  • Hefty fines and fees
  • Difficulty or not being able to obtain car insurance in the future
  • Becoming responsible for the inflation of insurance premiums for other honest drivers
  • Suffering a separation or divorce due to convictions, impact on family and friends

Why Do People Lie to Their Insurance Providers About Their Address?

One of the key factors in determining a driver’s rate of risk to the insurance companies is their residential location and where they park their vehicles. There are certain areas that are deemed as high-risk areas due to vandalism and theft occurrences, as well as high traffic areas, subjecting drivers to a higher risk of collisions. One of the cheapest locations for car insurance for example is a farm up north. The chances of theft, vandalism, and collisions is far less, which reduces the risk for the insurance provider. There are many drivers out there that are aware of this fact and therefore choose to lie to their insurance providers to obtain a much lower insurance rate. However, as indicated above, lying to your insurance provider could end up costing you so much more in the end. 

When Should You Advise Your Insurance Provider of An Address Change?

If you have advance notice that you will be moving, it’s a good idea to give your insurance provider a head’s up with a known effective date of your move. Once you have physically moved contact your insurance provider as soon as possible to confirm your new address. This will keep you in good standing with your insurance provider.


  1. Pedro Vega 7 February 2021 at 5:45 pm - Reply

    I know a person. She may have her insurance address in a different location.

  2. John 17 March 2021 at 7:37 pm - Reply

    I definitely know a person who is lying about their address . It’s my wife’s older brother ! And he is waiting on a big settlement right now .. of course this puts me in a very Awkward position , because I don’t want to go through a divorce over this or have my own insurance affected ..

    • Common Sense 14 June 2021 at 12:04 pm - Reply

      This is not a site to nark on people. Keep that info to yourself if you are not going to do anything about it. There is no reason it would affect your insurance and your wife is petty if she would divorce you over her brother’s falsification.

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