It may be tempting to slightly alter your details when getting an insurance quote to get a cheaper price. But changing things like your job title, address, or how your car is used without being truthful is known as quote manipulation, and it can lead to serious consequences.
What is quote manipulation?
Quote manipulation means deliberately entering inaccurate information to reduce your insurance premium or to get a quote when you might otherwise be declined. Even if the changes seem minor, they can count as insurance fraud.
Examples include:
Using a safer-sounding job title that doesn’t reflect what you actually do
Giving your work address instead of your home address
Saying you park your car on a driveway when you actually park it on the road
Reducing your mileage or omitting details to make your risk look lower
Why is this a problem?
When you apply for insurance, we use your details to assess your risk and calculate a fair price. If your information isn’t accurate, your quote doesn’t match the reality—and that affects your cover.
Consequences of quote manipulation:
Your policy may be cancelled or declared void
Your claims may be denied, even if you’ve paid for cover
You may have trouble getting insurance in the future
The incident could be recorded in anti-fraud databases
What should you do instead?
Always provide honest, up-to-date information. If you're unsure how to describe your job or address, just reach out to us—we’re happy to help you get it right.
You can update your details at any time through your Marshmallow app. If your information changes after you’ve bought a policy, you must let us know as soon as possible.