Motorist convicted for lying on his insurance form

25/06/2014

A motorist, who was found guilty of failing to disclose previous convictions when applying for car insurance, has today been given a 12 month community order and ordered to carry out 80 hours of unpaid work.

Birmingham Magistrates' court heard how on 24 October 2013, Mohammed Qadeer, aged 35 from Sparkhill in Birmingham, made an online application for motor insurance.

During the online application process, the insurance company asked the applicant to disclose any previous motoring or criminal convictions. Qadeer failed to disclose a number of his criminal convictions from 2006 to 2013. Had he disclosed these convictions, then the insurers would not have proceeded with his policy.

Qadeer also provided the insurance company with further incorrect information by not providing the address where he resided, but that of his mother's address in Alum Rock and that the car would be garaged there. In fact both properties are terraced houses and do not have a garage.

However, the insurance company terminated the policy when they were notified by the police of the defendant's previous convictions as well as the other false information that he had provided.

Qadeer was arrested and charged with fraud by false representation.

David Elliott, Acting Head of the West Midlands Crown Prosecution Service's Magistrates Court Unit, said: "We hope this prosecution sends out a clear message to all motorists that providing incorrect or misleading information on your insurance policy is fraud and, as such, a criminal offence.

"Any false information provided during the application process will result in the policy becoming invalid, which will ultimately mean that you are driving illegally on the public highway and therefore you are not only putting yourself in danger, but any passengers you may carry as well as other road users too.

"In this case, Mohammed Qadeer not only lied about where he lived, but also his criminal past. Under the Rehabilitation of Offenders Act 1974, individuals must declare any previous criminal convictions when asked to do so on such application forms.

"Qadeer thought by providing such misleading information to his insurance company would lead to his premiums being lower and he would be able to obtain car insurance. In fact what it has resulted in is a criminal prosecution and conviction instead."