Press Release

For immediate release

Honesty is the best policy: 1 in 6 Kiwis have lied on their car insurance application

        • One in six (15%) Kiwis have lied on their car insurance application
        • Gen Z are most likely to lie about information relating to the driver
        • Tips for saving money on your car insurance

20 July, 2020, New Zealand –Thousands of Kiwis are at risk of having their car insurance claims rejected, according to research by Finder, a car insurance comparison site that has recently launched in New Zealand.

According to a Finder survey of 2,143 respondents, one in six (15%) New Zealanders have admitted that they were not totally truthful when it came to their car insurance applications.

This is equivalent to 552,000 New Zealanders who have lied on their applications.
Of those who were dishonest, one in three (36%) falsely claimed that they park their car in a garage when not in use.

A further 28% of those who admitted to lying on their application failed to list a driver on their policy.

Rounding out the top three insurance lies is underreporting the distances driven, with 16% of Kiwis knocking a few kilometers off their car insurance application.

Kevin McHugh, Finder’s publisher in New Zealand, has warned drivers that being deceptive on their car insurance application is going to hurt them down the track.

“Insurers do not take kindly to dishonesty. What may seem like a little white lie can end up costing you big if you need to make a claim.”

“The trap that people fall into is the prospect of a cheaper premium, combined with an ‘it won’t happen to me’ attitude.”

“This is a recipe for disaster that can leave you uninsured and out of pocket.”

The research found that the most common lie told by Baby Boomers, Gen X and Gen Y is about where their car was being kept. 52% of Baby Boomers said their car was parked in a garage when it wasn’t, while 45% of Gen X made this claim, as well as 39% of Gen Y.

Failing to list a driver was the most common lie told by Gen Z where 30% of respondents admitted to doing this.

Gen Z are also the most likely to lie about the age of the driver, with 20% claiming they have done so. This is compared to 18% of Gen X, 11% of Gen Y and just 7% of Boomers.

The Insurance Fraud Bureau estimates that insurance fraud in New Zealand has cost policyholders upward of $400 million across all insurance categories this year alone.

McHugh said that failing to declare information in your application can be considered non-disclosure when you come to make a claim.

“Honesty really is the best policy when applying for car insurance. There are other ways to lower your premium price that won’t come back to bite you down the line. Opting for a higher excess, parking your car securely under a carport or in a garage, and installing an alarm can all help to decrease the cost of your premium.”

“If you are unsatisfied with the cost of your premium, shop around and compare your options because a better deal could be just around the corner.”

Visit Finder to learn more about choosing the right car insurance for you.

Most common lies told by Kiwis on their car insurance applications*
I claimed the car was parked in a garage when it wasn’t36%
I didn’t list a driver28%
I underreported the kilometres driven16%
I lied about the age of the driver15%
I registered a business car for private use11%
I lied about the address10%

Finder NZ survey (tick all that apply)

*% of those who admitted to lying on their car insurance application

Tips for saving money on your car insurance

  • Take advantage of discounts. When looking at providers, check to see if there are any discounts available. This could be a loyalty discount, a new customer discount, or even a discount for signing up online.
  • Pay a higher excess. Insurers assume that if you are willing to pay a higher excess that you are less likely to make a claim. This will help bring down the cost of your premiums. Make sure you’re able to cough up that higher amount if you were to make a claim though.
  • Restrict certain drivers. If you can be sure that your car won’t be driven by high risk drivers such as learners or under 25s, this will often lower your premium. It is important to note that if your car is damaged while being driven by a restricted driver, you will not be covered so consider this option carefully.
  • Compare your options. Doing your research pays off so be sure to get quotes from a number of insurers to get an idea of what’s out there. If you’re not happy with your cover, don’t be afraid to switch!


For further information


The information in this release is accurate as of the date published, but rates, fees and other product features may have changed. Please see updated product information on's review pages for the current correct values.

About Finder

Finder is a global comparison site, now available in New Zealand. Each month, 90,000 consumers turn to Finder to save money and time, and to make important life choices. In New Zealand we compare credit cards, mortgages, travel insurance, shopping deals and more.

Our free service is 100% independently-owned by three Australians: Fred Schebesta, Frank Restuccia and Jeremy Cabral. Since launching in 2006, Finder has continued to expand and launch around the globe, with offices in Australia, the United States, the United Kingdom, Canada, Poland and the Philippines. For further information visit

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